The Credit People Review—Can They Fix Your Credit?

Credit People review

It doesn’t take much effort to get in the poor credit lane, but it certainly gets a fair amount of work to improve your credit scores. When you are looking for a credit repair company to help solve your predicament, you want to corroborate they are legitimate and live up to their promise.

After all, they handle sensitive information, and no one wants to trust personal data to scammers.


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The Credit People Review


It is a company that advertises credit repair services to individuals, such as monitoring credit reports, freezing credit reports, filing disputes, or negotiating with credit bureaus.

If you purchase through our partner links, we get paid for the referral at no additional cost to you! For more information, visit my disclosure page.

Table Of Contents

What Is a Credit Repair Company?


How to Choose the Best Credit Repair Company for You

Choosing the best credit repair company for you can be a difficult task. There are many factors to consider when deciding the best company for your needs.

The first factor to consider is whether the credit repair company is accredited by the Better Business Bureau (BBB). A BBB accreditation means that there are no complaints against the company, and they have a good track record.

The second factor to consider is how long the credit repair company has been in business. When companies have been in the market for a long time, they have more experience and provide better service than newer companies that may be less experienced.

The Credit People Overview

The Credit People is a credit repair company that has been around since 2001. They offer an affordable and efficient credit repair service and credit restoration.

They stand out because they have expertise in disputing negative or incorrect items in your credit score.

This company has built a decent customer base because they brilliantly pair affordable prices and services that accomplish what they promise.

How Their System Works

Credit repair companies use almost the same system. Their aim is the same: helping raise your credit score by ensuring fair credit reporting and a detailed breakdown of your credit reports.

When you hire The Credit People,they contact the credit bureaus or collection experts to run your dispute.

Their team of experts is in charge of the entire process, and they’ll update you through their online portal, so you can be informed at every step of the process.

How to Get Started

The service is pretty straightforward, the same as their signup process. You can register online in a few minutes using your best email account.

They have credit monitoring included in their credit repair service, which will help you save some money without effort. Their prices are affordable, and they offer good customer service, no wonder they are so popular.

The People Credit Features

Let’s do a quick stop on their outstanding features first. When you register for their service you’ll be entitled to the following.

An Online Account:

If you are like me, you’ll probably want to watch over your credit repair process.

The Credit people provide an online account where you can check your data and progress 24/7, so you won’t miss a single thing!

Free Access to Credit Reports and Scores:

Everyone likes a freebie! The Credit People provide free credit reports and scores from Experian, TransUnion, and Equifax. No extra charges or hidden fees.

Unlimited Credit Disputes:

It is another feature that you have to love. One disadvantage of most credit repair companies is they limit the number of disputes you are entitled. Credit people offer an unlimited number of disputes.

A 90-Day Money-Back Guarantee:

Honestly, it is something to look for when you hire a service. When a company has a money-back guarantee, they are telling you they trust their product.

With The Credit People, you can cancel anytime and get a monetary refund.

The Credit People Services

Now it’s time to dive into the services in detail, so you can be certain of what they can do for you and decide if you entrust then your credit repair task.

Ongoing Credit Reports

You can get your credit reports on credit, but you are limited to one per year.

It is not advisable to get your credit report only once a year. It is something you want to monitor closely, especially if you have some big projects in mind.

When you use The Credit people, you can access credit reports from the three major bureaus regularly.

Credit Report Disputes

You have an ally in the Credit People to run your credit disputes successfully. Remember, whenever you find an inconsistency in your report like closed accounts reported as open, the same debt listed more than once, or accounts with an incorrect current balance, the credit people will dispute representing you.

Late Payment Removal

The Credit People works in your best interest. They’ll contact your creditors to remove the late payments on your credit reports. They have a solid success rate even for up to 120 days of late payments.

Debt Validation

They take the hard work of validation letters off your shoulders. Likewise, they take charge of the entire process for you.

Additional Free Services

As you can see, the list of what they offer to all their paid clients is substantial. There are other benefits you can access, even when you are not part of their customers.

Free Consultation

You can access a free consultation by calling 866-382-3410 to get and answer for all your comments and questions. They have a trained and efficient customer support team, so you’ll get excellent attention even if you’re not a paid client.

Downloadable Guide

When you access their website, you can access their free “Secrets to Great Credit” guide. Despite being free, it is a great source of information, so don’t miss the chance.


You can access their blog for some self-education on personal finances. Their topics are relevant and easy to read, truly a valuable source of information for public access.

The Credit People Plans and Pricing

They have outstanding features paired with an outstanding price. They give the option to pay monthly or annually.

  • Access the Standard Monthly plan for a monthly fee of $79. There is a one-time set-up fee of $19.
  • The Standard Flat Rate plan costs $419. Without monthly or setup fees for six months of service.

Do they Have Special Discounts?

Yes, they do. There’s no better idea than to sign up as a couple, that way you can team up and get a discount of $20 on the monthly fee for your first payment.

To be eligible, you must sign up your spouse after you complete your order, or in the three following days. The discount is not available for flat rate membership.

What Can Be Removed From Your Credit Report?

Are There Any Alternatives to the Credit People?

Are Credit Repair Companies Legitimate?

This is a question that many people ask. Sometimes they doubt hiring these companies because they think they are scammers or operate in a gray area.

Let me tell you, the answer is yes. Credit Repair Companies are not only legitimate but 100% legal. However, like any other service, some companies perform so poorly that they give the credit repair industry a bad reputation.

The golden rule is always to do your research and do a quick background search.

Sure, there are other credit repair companies. Considering that you always have to look out for scammers, try to find a credit repair company that has built itself a solid reputation. Do your research, it is always better to take some time before rushing in.

That being said, I can think of three alternatives to The Credit People:

  • The Credit Pros
  • Lexington Law
  • Credit Saint
  • UCES

To Conclude

Considering credit people’s services, pricing, and solid customer support, I can say The Credit People is a good choice if you are looking to improve your credit score.

Their services are accessible and straightforward, they support you through the entire process, and they also let you monitor everything from your account.

Have you tried The Credit People?

Let me know what you think in the comments!



Joe Troyer

Joe Troyer is the Founder of Digital Triggers. He is leading expert in all things Internet Marketing: Pay Per Click Marketing, Search Engine Optimization, Google Business, Reputation Management, Landing Page Conversion, and Call Tracking.

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