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The Credit People

The Credit People: Your Credit's Superheroes

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The Credit People: Your Credit's Superheroes

The Credit People are “just your everyday credit superheroes.” The Credit People was founded in 2001, and for over 15 years, it has been helping people fix their credit scores. The Credit People promises the lowest fees in the industry, with 24-hour account access and an unbeatable satisfaction guarantee.


Interactive website
Satisfaction Guarantee
Team of certified representatives


Monthly plan is pricey
Not accredited by the BBB


Quick Stats

BBB Rating
Customer Service
Phone and email
Initial Fees
Money-back guarantee
Monthly Fee

About The Credit People

The Credit People has helped over one hundred thousand people with their credit problems and promises and estimated credit score increase of 53-187. However, some customer reviews have reported an over 200 point increase. The Credit People is not accredited by the Better Business Bureau but has a C+ rating.

The Credit People has a team of Fair Credit Reporting Act (FCRA) certified agents that are trained in credit repair laws. After subscribing to The Credit People’s plan, they will give you access to your credit reports and simultaneously start fixing your credit.

The Credit People has a customer satisfaction guarantee and promises results in less than 60 days. Its results highlight 78% customer eligibility for auto loans, 71% for home loans, 81% for new credit, and finally 74% approved for refinancing. In addition, their Unbeatable Satisfaction Guarantee allows you to cancel your monthly plan and get a refund for your last month if you have not received any results.

The Credit People Services Feature Brief

Below is a brief of the best features and services provided by The Credit People:

  • Straight Forward Monthly Pricing
  • 24hr Account Access
  • Toll-Free Customer Service
  • Free Credit Reports and Scores
  • Score-Driven Results®
  • Unbeatable Satisfaction Guarantee®
  • Unlimited Disputes
  • Creditor Communication
  • Debt Validation
  • Inquiry Validation
  • Certified FCRA
  • Help Beyond Credit Reports

How Will The Credit People Repair Your Credit?

The Credit People’s team will start with reviewing your credit reports and giving you 24-hour access to all of them. Then, they will start cleaning up the errors in your reports that have damaged your score. Finally, when any change occurs on your credit reports, you will be alerted to it.

Some penalties The Credit People will help remove from your reports are:

  • Late payments
  • Identity fraud
  • Collections
  • Repossessions
  • Charge-offs
  • Student loan issues
  • Tax liens
  • Judgments
  • Bankruptcies
Bankruptcy removal from credit reports is only reported at a 30% success rate.

What will your account provide?

The Credit People will provide you with educational resources to help you improve your credit score. In addition, your account will allow you to view your credit reports at any time with no extra charge, and finally, you will see any updates that your creditors are seeing on your reports.

Who Is It Good For and Who Is It Not?

The Credit People’s services are best for people with simple credit problems that need negative items removed from their reports, in addition to great customer support and service. On the other hand, it is not the best option for people who need future protection for their credit scores, and also those with complicated credit problems such as bankruptcies which only have a 30% success rate of being removed from credit reports.

The Credit People Plans and Prices

The Credit People offers two membership plans, monthly membership, and a flat-rate membership.

  • Monthly membership: $79 per month, with a $19 one-time fee.
  • Flat-rate membership: $419 for a six-month membership.

Customer Support

The Credit People offers free consultation by phone or email. You can reach their team at:

Free resources are available on their website, such as helpful FAQs and a help zone. The help zone offers you a credit resource center and secrets for great credit.

Final Thoughts

The Credit People offers basic credit repair services with transparent plans and prices. It has a great customer support team that will work with you along the way. Its satisfaction guarantee offers you free cancellation and a refund for your last month’s payment if you do not see any results.

How much does its plans cost?
Can I track my progress?
Can I get a refund with The Credit People?
How do I reach customer support?
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