Your credit score plays a significant role in the interest rates you get on loans, what credit cards you’re eligible for and even how much you’ll pay for utilities. If your credit score is less-than-perfect — and, according to Experian, 16% of the population has poor credit, meaning a score between 300 and 579 — you may be considering working with a credit repair company like The Credit People to boost your credit.
Based in Utah, The Credit People was launched in 2001. The company says it has processed over 310,000 credit reports since its inception, but customer reviews are mixed, and its services can be pricey.
In this review, learn about The Credit People’s services, pricing structure and reputation. All rates and fees are current as of March 14, 2024.
The Credit People at a glance
- Number of available options: Three plans, standard, premium and premium flat rate
- Cost: $99 to $599 per month
- Credit score impact: Some clients report boosts of 50 to 100 points
- Ratings:
- Better Business Bureau: C+ rating and a 2.67 rating out of five from customers
- TrustPilot: 2.5 out of five
- Time: 45-60 days
Who is The Credit People
The Credit People is best for those who have poor credit with inaccuracies on their credit report who don’t have the time to dispute the charges on their own. As with all credit repair companies, you can legally do all of the things that The Credit People advertises on your own, but working with The Credit People may be a good idea if you’re busy and short on time.
Who shouldn’t use The Credit People?
You shouldn’t use The Credit People if the negative information on your credit report is accurate; no credit repair company can remove accurate, current negative information from your credit reports, so there is little these companies can do to help you. And if you’re low on cash, using a credit repair company may not be a cost-effective strategy; you can do all of the things The Credit People does on your own for free or at a very low cost.
| Pros | Cons |
| Satisfaction guarantee | Plans can be expensive |
| Discount for couples | Limited range of services |
| Free consultation | Poor customer reviews |
Types of services The Credit People provides to help improve credit
The Credit People is a credit repair company, meaning it helps people review their credit reports and remove inaccurate or outdated negative marks. According to the company, some clients see their scores improve by as much as 100 points within 60 days.
The company offers the following services:
- Credit reports: Through The Credit People client portal, you can view your credit reports from the major credit bureaus in one place on an ongoing basis.
- Credit report disputes: If there are mistakes or unauthorized accounts on your credit report, The Credit People will dispute those accounts with the credit bureaus on your behalf.
- Late payment removal: The Credit People says it can remove late payments from your credit report, even those that are 30, 60, 90 or 120 days late.
- Debt validation: The Credit People will send debt validation letters to creditors on your behalf; these letters are sent to debt collectors requesting proof that you owe the debt.
| The Credit People Credit repair services | Standard | Premium | Premium Flat Rate (Six-Month Commitment) |
| Credit Report Disputes | Yes | Yes | Yes |
| Credit Monitoring | Yes | Yes | Yes |
| Late Payment Removal | Not available | Yes | Yes |
| Debt Validation | Not available | Yes | Yes |
How The Credit People’s fees work
The Credit People has three plans: Standard, premium and premium flat rate. You pay the fee for the standard and premium plans on a monthly basis, and you can cancel at any time. With the premium flat rate plan, you get six months of service, but you must pay an upfront fee.
- Standard: $99 per month
- Premium: $119 per month
- Premium Flat Rate: $599 for six months of access
There is a trial period available; you can set up an account and start your service for just $19. After the first seven days, if you’d like to continue, you’ll be charged $99 per month (or more if you opt for a higher-tier plan).
Couples may qualify for a discount; If you sign up and your spouse signs up within three days of placing your order, you’ll receive $20 off each of your first payments.
How does working with The Credit People impact credit score
Results of working with The Credit People will vary based on your starting credit score, the issues on your credit report and the success of the dispute and debt validation processes. According to the company, some clients increase their scores by 50 to 100 points, and it claims that 78% of its users were approved for auto loans after using its services.
How long does The Credit People take to improve credit score
Everyone’s situation is different, but The Credit People says most people see results in 45 to 60 days.
The Credit People’s ratings and reputation
The Credit People’s reputation for customer service and customer satisfaction is murky. It has a C+ rating from the Better Business Bureau (BBB), and customers complained on multiple review sites about not seeing results even after paying for The Credit People’s services for several months.
| The Credit People Ratings | |
| BBB | 2.67 out of 5 |
| TrustPilot | 2.5 out of 5 |
| ConsumerAffairs | 3.7 out of 5 |
| Complaints Board | 1.0 out of 5 |
Are their risks with credit repair through The Credit People?
The Credit People has been in operation for over 20 years, and it’s a legitimate business. However, its services can be expensive, and there’s no guarantee that the company will be effective.
The Credit People, nor any credit repair company, cannot remove accurate negative information from your credit report. And you can dispute inaccuracies or unauthorized accounts on your own at no cost.
Other services The Credit People offers
Unlike some credit repair or debt relief companies, The Credit People doesn’t offer other services like identity protection or debt consolidation.
Compare The Credit People
| First work fee | Monthly fee | Credit monitoring & Credit disputes | Cease and Desist Letters | Debt Settlement | Credit-Builder Loans | |
|---|---|---|---|---|---|---|
| Current Selection The Credit People | $19 | $99 to $119 | Yes | No | No | No |
| Credit Saint | $99 to $195 | $79.99 to $129.99 | Yes | No | No | No |
| The Credit Pros | $119 to $149 | $69 to $149 | Yes | Yes | No | Yes |
| Sky Blue Credit | $0 | $79 to $99 | Yes | Yes | No | No |
| Current Selection The Credit People | No |
|---|---|
| First work fee | $19 |
| Monthly fee | $99 to $119 |
| Credit monitoring & Credit disputes | Yes |
| Cease and Desist Letters | No |
| Debt Settlement | No |
| Credit Saint | No |
| First work fee | $99 to $195 |
| Monthly fee | $79.99 to $129.99 |
| Credit monitoring & Credit disputes | Yes |
| Cease and Desist Letters | No |
| Debt Settlement | No |
| The Credit Pros | Yes |
| First work fee | $119 to $149 |
| Monthly fee | $69 to $149 |
| Credit monitoring & Credit disputes | Yes |
| Cease and Desist Letters | Yes |
| Debt Settlement | No |
| Sky Blue Credit | No |
| First work fee | $0 |
| Monthly fee | $79 to $99 |
| Credit monitoring & Credit disputes | Yes |
| Cease and Desist Letters | Yes |
| Debt Settlement | No |
Is The Credit People right for you?
If you have issues with your credit, such as you were the recent victim of identity theft and accounts were opened under your name, you may want to consider using The Credit People to handle disputing those issues if you’re pressed for time or simply want to avoid the hassle of doing it yourself.
Otherwise, The Credit People can be expensive, and reviews tend to be quite mixed. You may have better results — and save money — by disputing issues on your own and working to improve your credit.
Frequently asked questions
Is The Credit People a legit business?
The Credit People is a legitimate business that has been in operation since 2001.
How much does The Credit People cost?
The Credit People’s services range in cost; its lowest-cost plan is $99 per month, and its most expensive plan is $599 for a six-month commitment.
Does The Credit People have a service guarantee?
The Credit People boasts a satisfaction guarantee; you can cancel at any time, and you won’t be charged for that month’s service. However you won’t get a refund of the fees you paid for previous months.
Who owns The Credit People?
The Credit People is owned by Duo Studios Incorporated, and it’s based in Cottonwood Heights, Utah.
How do I reach The Credit People customer service?
If you’re an existing customer, you have 24/7 access to an online portal where you can monitor your progress. For any questions you may have or new customers, you can reach customer support by phone or email:
- Phone: 866-382-3410
- Email: question@thecreditpeople.com
EDITORIAL DISCLOSURE: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.