The Credit People provides hope to those in bad credit situations and shares how better credit awaits them in the future. With 15 years of experience, the Credit Pros have helped over 100,000 people with their credit. The firm states that everything they do is centered on providing the highest quality service with unmatched benefits for potential and current clients.

The Good

The Credit People provide clients with all 3 credit reports AND all 3 credit scores from the credit bureaus completely free. Also, the firm focuses on ensuring that clients receive the highest credit score increase they can possibly achieve. The Credit People have many great features, such as:

Price

Potential clients can choose to either pay $59 a month, on a month by month basis, or $299 for a complete six-month credit repair program. This is much lower than most credit repair companies.

No Hidden Fees

The Credit People are very transparent. Their pricing details are all on their website. Potential clients can try out their service for 7 days for only $19 and continue for $59 a month. There are no hidden fees or extra costs.

Satisfaction Guarantee

The Credit People offer a 100% satisfaction guarantee. The firm claims “you’ll never pay for anything you aren’t happy with.”

Member Resources

Clients have 24 hour online account access, which is a great resource for members. In addition, there is a blog and educational material for potential and current clients to learn more about credit repair services.

The Bad

There are things those interested in The Credit People should be aware of. While The Credit People handles the credit case with little to no client work (meaning the client does not have to be an active participant), it is important to note the following:

Case Set-Up Cost

The first 7 days of service cost $19 to get case setup.

Limited Package Options

No premium packages offered, just different payment structures.

Pricing Options

There is no “pay-per-deletion” pricing option.

The Bottom Line

The Credit People have a very affordable price for their services and a 100% satisfaction guarantee. Combine this with tons of positive reviews and no hidden fees and the Credit People prove that they are a great option for credit repair. There have been some consumers that have experienced slow removal times, but they are few. We recommend The Credit People for their experience and for standing by their services. Those who choose to sign up with The Credit People will not have to worry about communicating with the creditors as that will be handled by their assigned credit specialist.

Frequently Asked Questions

How much does The Credit People Services Cost?

The Credit People offer a monthly and Flat Rate membership:

  • Monthly Membership – $59.00/month – This contains all of the necessary credit repair services including unlimited disputes, inquiry validation, debt validation, free credit reports, and more.
  • Flat-rate Membership – $299 for 6 months – This plan contains all of the necessary services to successfully repair your credit. The plan was created for people who do not want a monthly fee, but a six month flat rate plan.

Does The Credit People allow me to enroll more than one person or my whole family?

Yes, The Credit People do allow you to enroll more than one person. However, they will need to create their own account. If they are signed up within the first three days following your order, then you will receive a $20 off your first monthly payment. The discount is only applicable to the first payment. There are no discounts available for the flat-fee membership.

How does The Credit People repair my credit?

The Credit People will contact the three main credit bureaus in order to make sure that all the information on your credit report is accurate. The Credit People team that is assigned to your case will review your credit report and report all inaccuracies in the dispute process.

Does The Credit People provide Credit Monitoring?

The Credit People offers basic credit monitoring to its customers. They make sure to pull your credit report, help you keep track of your credit scores, and receive regularly scheduled credit reports.

How long will it take before I start to see results with The Credit People?

The Credit People state that customers will begin seeing initial results within the first 45-60 days. The average length to have a full credit repair results is approximately between six to seven months. However, the time varies with each customer due to the varying total number of negative items that need to be removed.

What results can I expect from The Credit People?*

The Credit People has only published a few statistical results on its website. They state that customers are able to begin seeing results within the first 45 to 60 days. They do not state the customers average results. They only state that they have helped customers credit score go up as little as 20 points to qualify for a home loan or 200+ points for customers who had really bad credit.

*Please note that individual results will vary. No company can legally guarantee any result to a client’s credit score. Customers should understand that they may not receive the same results

How can I contact The Credit People?

You are able to contact The Credit People by:

Phone: or by visiting their site.

More Information

Published Results

The Credit People have not published very many statistical results on its website. Here are the results available to customers:

  • Customers will begin to see results within 45-60 days.
  • They have helped customers increase their credit scores 20 points to be able to qualify for a home loan or 200+ for customers with really bad credit.

Price Breakdown

The Credit People only has one $59/month package. This includes:

  • All necessary credit repair resources, including attorneys and complete credit bureau reporting
  • A personal online dashboard
  • Score tracker and analysis
  • Mobile apps
  • Text and Email alerts
  • TransUnion Credit Monitoring

How It Works

Step #1: Sign Up Process

When you sign up, your credit reports will automatically be pulled for review. You will receive a welcome email and a phone call from The Credit People. Then you will be given a special secure online account to keep track of the progress on your credit. The Credit People’s representatives will begin to create a custom credit repair case. 

Step #2: Dispute

Now the real work begins. The experts at The Credit People will interact directly with the credit bureaus to have those items that are inaccurate and negative removed from your credit reports. They will then stay in contact with the credit bureaus to ensure the appropriate action has been taken.

Step #3: Results

All you have to do at this point is sit back and watch the progress. The Credit People’s experts will continue to repeat the dispute process until all as many negative items can be removed from your credit report. They say most customers will begin to see improvements within the first 60 days. As they continue to work, you will have access to an online account that will keep you updated with all results.

What to Expect When Signing Up

What to expect when signing up online?

Before you go to signup here is a few things to expect before you visit The Credit People’s website.

  1. You will be brought to their webpage with a two different options to getting started.
  2. By clicking “Get Started, SIGN UP” you will go through a simple 3-step process.
  3. First, you’ll be asked for contact information including: first and last name, email, phone, address and zip code.
  4. Before moving to the next step you will need to click what payment method you will be using.
  5. Next you will proceed to enter in your payment info to process the $59.00 fee for monthly plan or $299 for the 6 month flat-rate plan, as well as a $19.00 first time fee.
  6. The last step is to comply and sign regarding The Credit People’s legal agreements.

After that be ready to receive an email and a call from a representative.  Then you will be on your way to repairing your credit. Make sure to come back and leave a review of your experience.

What Can Be Removed?

The Credit People are able to remove any false or incorrect information on a customer’s credit report. These negative items include (but are not limited to):

  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgments
  • Repossessions
  • Closed Accounts
  • Bankruptcies
  • Negative Statements
  • Liens

However, an important point to remember is that The Credit People can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. The Credit People cannot remove negative items that are 100% accurate and free from error.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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Call our recommended rep over at The Credit People below.

1-(855) 755-5596
Or you can visit their site by clicking here.

168 The Credit People Reviews

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  1. User Score

    10

    November 9th, 2016 Chicago, IL

    I used their service this year and had fantastic results. I was referred by my cousin who I admittedly didn’t trust at first but I am very happy with the outcome. I would recommend them too now. Thanks!!!

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  2. User Score

    10

    August 9th, 2016 Chicago, IL

    Just got off the phone with you, and as I said, i’m really thankful for what you’ve done so far! I’m going to wait a little longer to go car shopping as you suggested, but I can’t wait to go in there and NOT be ashamed of my credit for the first time! Thank you again!

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    7 2

  3. User Score

    10

    July 11th, 2016 Matawan, NJ

    Great service…I cancelled recently and it’s only because my credit is in great shape and things went awesome. I don’t need the service anymore but they did a really great job. Thanks!

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    7

  4. User Score

    10

    July 6th, 2016 Matawan, NJ

    The credit people were referred to me by someone who used them before. I do not know what other services are like but they have been very professional and have made steady progress with my credit. I have an account where I can see the improvements and they do a great job keeping me informed. its a good service.

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    5

  5. User Score

    10

    July 5th, 2016 Plano, TX

    I had a very good experience with the credit people. They have such a friendly staff and my credit was a handful to say the least. I did a lot of research before I chose them and they did exactly what they said they would. I received my scores and got access to my account, then they were off and running. I just checked in but it was very easy. I have told several people about their service and am got really great results. Thank you.

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    3

  6. User Score

    7

    June 14th, 2016 Houston, TX

    I am currently the victim of identity theft,and being in a position to find a place of my own my credit score could play an important role as-too whether or not I can celebrate my recovery in a place of my own! 18-months TOMORROW! PRAISE the LORD OH MY SOUL!

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    5 2

  7. User Score

    10

    June 10th, 2016 Plano, TX

    My credit score is up 116 points! I am SO happy with what they have done with my credit. I signed up about 4 months ago and there was steady progress each month. I asked them for a reference purchase a home and I am hoping to qualify now. Thanks!

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    8

  8. User Score

    4

    June 8th, 2016

    Patti
    I have been with “The Credit People” since last July almost a year. I have only had one item removed from all 3 credit bureau’s and that item was easy. I had been late once with this credit card and they were able to get that off. My other items I have several more I have 2 settlements but have paid off and they can’t get those taken off. They have not helped me to my satisfaction.

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    9

  9. User Score

    10

    May 24th, 2016 Plano, TX

    they were so much better than the last company I was with. they were professional and easy to get ahold of when I needed something. they helped me get clearance for my new job which required a credit check. they helped improve my credit and get it to a great shape. I tried another company before them and they just wasted my time. the credit people did actually help me and I would say if you’re interested you should sign up and try the credit people.

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    5 1

  10. User Score

    10

    May 17th, 2016 Los Angeles, CA

    GREAT SERVICE! I tried credit repair before with another company and it did not go well. I have now used the credit people and they have been outstanding. The service takes the same time as any other service I would think but I always was kept informed and they were really helpful. I started with a lot of bad credit from a divorce (I pretty much let everything go) and they get things back on track. I have started rebuilding my credit now and this was a huge part (my credit) that I was not wanting to deal with. It was really easy and Im telling you to give them a try if you need help with your credit.

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    2

  11. User Score

    10

    May 12th, 2016 Chicago, IL

    Huge THANK YOU to The Credit People for exceeding my expectations! I just showed my mom where to sign up online so look for her too!

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    2

  12. User Score

    10

    April 15th, 2016 Columbus, OH

    They raised my score 43 points in five months!! They really do help get you results!

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    18

  13. User Score

    10

    April 7th, 2016 Chicago, IL

    I found this company on this site, and told myself if they did a good job I’d come back and say so. Well, I’m coming back to say so! So happy I went with them, and that I can start fresh with my credit. Highly recommended!

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    18

  14. User Score

    10

    February 29th, 2016 Aurora, IL

    The credit people are awesome! The most affordable company and amazing results. Only 4 months in and my credit has drastically improved. I was just approved for a car loan I couldn’t get before the Credit people helped me out!

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    4

  15. User Score

    10

    February 26th, 2016 Homestead, FL

    I’m very pleased with the service, my credit was in bad shape. I’m about to close on a house. The service is excellent and fast.

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    48

  16. User Score

    10

    February 26th, 2016 Mount Dora, FL

    I signed up with The Credit People and was so thrilled to speak to very pleasant and understanding people. They were there for me to answer all my questions and help me every step of the way. They raised my credit score as well.

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    18

  17. User Score

    10

    February 18th, 2016 Plano, TX

    I want to thank the credit people for what an awesome job they are doing. I have been very impressed and the fees are very reasonable for the results they are getting for me. I have passed on their info to several realtors and lenders in my local area. They have heard me sing praises about the results and have asked for information to pass on to their clients. Thank you!

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    16

  18. User Score

    9

    January 30th, 2016 Matawan, NJ

    I could easily give them a 10, but I wasn’t receiving their email responses initially which was important at the time. Regardless, they were great. thanks.

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    1 1

  19. User Score

    10

    January 29th, 2016 Phoenix, AZ

    Signed up about 5 months ago and my score is up over 90 points. I just needed to get to 680 but Im going to stay on for 2 more months to see if I can get just a bit more improved. Its been a really good experience, they’ve been always helpful.

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    22

  20. User Score

    9

    January 27th, 2016 New York, NY

    I’ve been with them for a few months now, they have already helped and taken some stuff off my credit.. my score’s going up..we’ll see!

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    31