The Credit People Reviews
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About The Credit People
The Credit People helps you raise your credit score and improve your reports through credit repair services. Its online portal and interactive website provide free, continuous access to your reports and scores, and its certified representatives assist with your credit repair process. The company currently offers pay-as-you-go pricing backed by a satisfaction guarantee.
Visit www.thecreditpeople.com- Pay-as-you-go pricing
- Online accounts with progress tracking
- Unlimited challenges to all three credit bureaus
- Higher monthly price than some competitors
- No physical locations or in-person help
Helpful Reviews
What is The Credit People?
The Credit People is a credit repair company that provides educational resources to help customers improve their credit scores. It helps minimize bad credit by disputing errors and aged debts (from student debt charges, foreclosures, etc.) with the reporting agencies. The Credit People has a team of FCRA-certified agents trained in credit repair laws.
Your online The Credit People account is available 24/7 and provides:
- Unlimited challenges to all three bureaus
- Monthly score refreshes (on premium plans)
- Access to your full credit reports (on premium plans)
How does The Credit People work?
If you have errors on your credit report, you can register for an account with The Credit People on its website. Once you sign up and pay for your membership, The Credit People’s team reviews your credit and gives you access to your full credit reports and scores from the major bureaus.
The Credit People then starts cleaning up any inaccurate or unverifiable items that are damaging your score. Penalties the company works to dispute can include:
- Late payments
- Collections
- Charge-offs
- Bankruptcies
- Repossessions
- Tax liens
- Identity fraud
- Student loan issues
- Judgments
You have constant access to your credit score, so you can see how and when it improves. The Credit People says most customers start seeing credit improvements within 45 to 60 days, though results vary and no company can guarantee a specific outcome.
The Credit People pricing
The Credit People offers transparent pricing and promises no hidden fees. At the time of publishing, it offers two primary monthly memberships and one flat-rate option:
- Standard monthly membership: $99 per month plus a one-time setup fee of $19.
- Premium monthly membership: This advanced plan costs $119 per month and offers more frequent report refreshes.
- Premium flat-rate membership: You can pay $599 upfront for six months of service, which eliminates monthly billing.
If you are signing up with a spouse, the company offers a discount at the start of a monthly membership. Instead of paying full price for both individuals, each partner receives $20 off their first payment.
FAQ
Does The Credit People give you access to your credit reports?
Yes, The Credit People gives you full access to your credit scores and reports monthly on premium tiers.
Does The Credit People have a service guarantee?
Yes, the company advertises an unbeatable satisfaction guarantee.
Does The Credit People offer couples’ plans?
Yes, customers can receive $20 off each first payment when they add a spouse within the stated signup window.
How much does The Credit People cost?
As of this publication, its standard plan is priced at $99 per month and its premium plan at $119 per month on a pay-as-you-go basis. It also sells a $599 six-month premium membership for those who prefer a flat rate.
Still have questions?
Is The Credit People legit?
Yes, The Credit People is a legitimate credit repair company that employs FCRA-certified agents to help improve your credit score. It's a long-running service with online account access, dispute support and a satisfaction guarantee. If you need to improve your credit score and can afford the monthly fees, the company’s services provide a professional alternative to DIY credit repair.
The Credit People Reviews
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- 4,916,450 reviews on ConsumerAffairs are verified.
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Reviewed Feb. 22, 2026
I am currently a customer and really wish I would have done more research on this company. I did not know they were not accredited with the BBB. I have also seen numerous bad reviews about this company. Might have to start thinking about going to Credit Saint in the next couple of months if I don't start seeing results. I will say their customer service goes above and beyond to help you out.... Going to hang in there a couple more months and give them a chance.
Reviewed Nov. 8, 2025
I achieved nothing during my time with this company, my score kept hovering between 500 and 550 for almost a year until I decided to terminate my contract with them and sign up with Creditmasonrepairs, you can search the name on the web. I added 145 points in just three months with Creditmason. My late payments from 2021 and 3 collections were taken off following a smooth process, something I initially thought was impossible.
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Reviewed Oct. 12, 2025
4 months of nothing. I have a few negative items in my credit, basic ones, and this company cannot remove not even one dispute. How they still in business? Do not waste your money on this company. Our team are reviewing other companies as well, after we finish our research will do a YouTube video talking about this company and other soon.
Reviewed Sept. 8, 2025
SO FAR-UNIMPRESSED. I began my agreement with The Credit People on July 7, 2025. The website is easy enough to navigate and that’s the best I can say about the company at this time. Here’s what’s gone on in the two months I have been a client with the company:
• I felt I needed professional help with only one derogatory comment on my credit report. It was a big one though. Hyundai Motor Finance (HMF) reported me as being late with a final payment and that my account was written off. The scenario is a little more complicated than that with payment due dates conflicting between a hard copy invoice and an on-line statement. They also reported my account as written off which it was not. Those comments dropped my score by about 50 points. My initial dispute using Experian’s on-line dispute process yielded an immediate, no. Their response was a one line statement from HMF that “they have investigated the information I have described as inaccurate and the disputed information is accurate as reported.”
• That’s when I contacted The Credit People. I explained to the phone representative that this was the only thing I wanted them to handle because I knew I had some very old late charges. In signing up, their web site says “tell us your goal”. That was my only goal!• As I was unemployed three years ago, I did have some late charges reported back then but I told the representative that I didn’t care about those. They insisted I should care as they could be affecting the way lenders view my credit even though before this problem with HMF, my score was over 750 and rising every month. I was told that lenders do look at old late charges regardless of the score. I said if they wanted to work on those, they could but they were legitimate late charges and even if they could get them removed, I know that as late charges get older, they have limited impact on my current score.
Noteworthy is that before this problem I was able to get one of those low interest auto loans offered by Toyota to their most credit worthy customers. So years old late charges didn’t bother them. I told that to the phone representative who sarcastically said congratulations.
• Throughout the two months I have been with The Credit People, I get very little feedback from them. As a matter of fact, their audit trail” shows:
o 7/7/25-Sign upo 7/20-All credit bureaus are processing the dispute
o 7/29 and 7/30-They acknowledged receipt of some documents I sent them to help them build the proof of my case.
o 9/3-“disputes sent to all credit bureaus” I guess that means they received a negative response on the first round although I was not informed by them. I did get something directly from Experian denying the removal of a years old Well Fargo late charge.
I have no idea what disputes were submitted. Were they the old late charges?
Was it the Hyundai late charge and what are they saying to prove my case?
• It didn’t appear that The Credit People were taking my case seriously. At least, that’s the way it appears to me. Without feedback, other than the fact that my case was submitted (again) on 9/3. I began working on I on my own and stopped sending The Credit People any more documents. Here’s what I did:
o I e-mailed the CEO of Hyundai Motor Finance. Not surprisingly, I received no response. I did share this E-mail with The Credit People in advance of sending it and that was the last thing I shared.o I resubmitted my disputes to the three credit bureaus with far more documentation this time and citing The Fair Credit Reporting Act (15 U.S.C. §1681i) which entitles me to a more comprehensive explanation of their decision as they did not indicate what they considered to be inaccurate the first time which yielded the one line statement “they have investigated the information I have described as inaccurate and the disputed information is accurate as reported.”
o This dispute was submitted on August 24th and as of September 7th, I still have not received a response, Experian does send e-mails that they are working on it. Transunion and Equifax have not. Optimistically, my first lame and undocumented dispute, which was only to Experian, yielded a negative response in just a few days, and now it’s been more than two weeks (I know they have 30 days) I am assuming with my stronger and better documented dispute that they are taking it more seriously and they are working on it.
o I contacted an attorney that specializes in credit matters. He offers a free consultation. He was very impressed with my case and said I could probably sue for monetary damages but it will cost me at least $5,000 to take the case. I told him I just want to get the negative posting removed and I will continue working on it on my own.
My concern is that The Credit People is treating my case as it would a “garden variety” late charge using whatever “cook book” justifications they use for customer’s being late with a credit card bill. Although, with virtually no transparency, I don’t know how The Credit People is fighting my case as my case is different. I was hoping that professionals could repair what I and the attorney I consulted with, consider to be illegal. I have not yet cancelled my agreement with Credit People in the off-shot chance they are doing something. My next payment comes out on September 11th and I am vacillating whether I should go for one more payment.
Reviewed May 23, 2025
For months, I was a client of The Credit People, hoping to see an improvement in my credit score. However, their satisfaction guarantee promotion is a blatant lie. It's no surprise that they resort to fake reviews to boost their star ratings. All they did was deduct money from my account every month, without any tangible results. What's more, their lack of transparency about the information they send to the credit bureaus is a clear sign of their dishonesty.
Reviewed April 3, 2025
Absolutely no work was done, I kept asking to see the letters/disputes they were sending and I was told some excuse as to why they couldn't send me the letters I was paying for them to send on behalf. Made me question their service and made a mental note of a red flag. Kept seeing the notice that disputes were sent in but it has been 6 months now and only 1 item was removed and I had to help them with that. They don't update you on any response to any disputes. You have to figure out that because no items were deleted/removed that their letters were not effective at all.
They do respond to emails fairly quickly but no other work gets done for the money. They only respond to say they will send in more disputes aggressively. Seems as though if this company has been doing credit repair for a long time they would be more skilled/professional at removing items in a shorter period of time or just removing items at all. I am way beyond the 90 days I was originally told to see results. I am completely dissatisfied with the service and do not recommend them to anyone at all. Please do not waste your money on this company you would be better sending in your own letters for more results. My credit score is still the same as when I started.
Reviewed Feb. 18, 2024
Honestly, this company response to your email really quick is the reason why I Gave them 1 star instead of saying 0 star. Highly Not recommend pay up all your money upfront, signup up for 6 months but instead sign up for 1 month at a time until they remove a inquiry then pay for a month once at a time until they did their job. The fact that every single hard inquiry that I report to pay POLICE got removed not because Credit People helped me remove it. I have to take matters into my own hands. They can't even remove a late fee from American Express Credit Card under $40 and it still stays on my credit report! Such a simple task that a credit report company is able to do. The only be with it or the double I giving them is that they removed the Credit Card that Chase pulled me twice that I think I'm the one who removed by visiting Chase bank several time complaining and Chase bank did write a letter to Experian but I will have this credit to Credit People just for the heck of it.
Reviewed Feb. 1, 2024
I been with them for 7 months. I have not seen anything done. I been waiting. It seems like they take your money and do nothing. They won't kept you informed about about it. I think it time to try someone else, nothing getting done.
Reviewed Oct. 2, 2023
I dealt with this company for roughly 5 months, in that time frame I had 1 negative item removed off my credit, as I communicated with a gentleman that was very rude arrogant he would continue to tell me to be patient, this company only wants to take your money, which I don’t mind paying but seeing results as a consumer makes you feel good about spending your money. I would avoid these guys at all cost
Reviewed April 14, 2023
Hired them to help me raise my credit score. I was not getting updates or seeing any results so I would contact them for updates and I was told just to wait a little longer and I would see changes. I never saw any changes never saw any improvements. They did not communicate what was going on. Very disappointing. Total waste of time and money.
Reviewed Feb. 3, 2023
They removed 13 negative items and I couldn't be happier! I didn't think they would remove that many but they did and they didn't charge me an arm and a leg either so I'm a happy camper. Will definitely recommend!
Reviewed Jan. 31, 2023
I know they say you get what you pay for but they also said why pay more when you can pay less. Lol. My credit was jacked! So I started looking into credit repair. Some of these companies wanted to charge $150 per month! I'm kept looking online and found The Credit People for only $79 per month. You really can't beat that. They offer the same as those higher companies if not more!
Reviewed Jan. 26, 2023
Talk about a mess! My son and I have the same first and last name but our middle names are different. I started receiving all these calls from collection agencies. I told them they had the wrong Miguel. They said ok, hung up and I thought that was the end of it. Then one day, I looked at my credit report and saw all of these negative accounts on my credit reports! I called them back like hey! You have the wrong Miguel. I'm Miguel J. My son is Miguel A. I told them I could provide proof that I'm not the right Miguel. One of their collections representatives made a comment like how do I know you're not the only Miguel. I offered to send in my birth certificate and my son's birth certificate to prove it. She gave me a fax number to send in proof. About three months go by and I didn't hear anything from them. I called the collection agency again and the number was disconnected!
About 7 months later, I get more calls from another collection agency. I go through everything telling them that I'm Miguel J. and that they have the wrong Miguel. They asked that I send in proof. Again, I hear nothing from them. I check my credit report and each account is now being reported about 3-4 times! My score dropped more and more. I was trying to refinance my house but I couldn't. My niece told me she was working with The Credit People and to give them a call. I offered to send in my birth certificate too just to prove that I wasn't the only Miguel. They told me everything would be ok. They've cleared about 6 of the collections accounts off my reports and I'm almost done now. These people are saints!
Reviewed Jan. 24, 2023
In college, I received a bunch of credit card offers. As a broke college student, I thought it would be great to sign up for a few. I got approved for the American Express Platinum Card. I had no idea that it was a charge card meaning I had to pay the balance in full and I also didn't realize it had an annual fee of over $500! Of course, I couldn't pay it so they shut the card off and sent it to collections. I thought that meant I got away with it. As a finance major, my professor told us that certain higher level positions would also require that we maintain a certain credit score and that bad credit could be the reason why we were denied for certain positions.
When I went home, I saw letters from the collection agencies that the cards. I called them and set up payment arrangements. Once I paid the balances in full, my credit score dropped! I then learned that just because you pay off the balance doesn't mean the bad credit goes away and that I should have negotiated a pay-for-delete. I didn't know that. I called the collection agency and they said there's nothing they could do. They only had to report to the credit bureaus that I paid the balance.
I searched online to see what else I could do about bad credit and saw several links for credit repair. I tried one company but it seemed like they were just taking my money. They had poor customer service and it would take days to hear back from them. I looked up their competitors and saw The Credit People had a higher rating so I called them. I called them a few times just to make sure they would answer. They were very responsive so I took the leap to sign up with them. They have been very nice and prompt. I love that I can log in to see what they're working on and they're always there if I have any questions.
Reviewed Jan. 23, 2023
I was discharged last year. Came back home and my wife decided she wanted to have a family. We applied for a loan and they told me that I had a Chase and AMEX account in collections. I've never even banked with them before. Come to find out, one of her family member's used my information while I was deployed. I called the collection agencies to explain it and told them I'd send in all my military information so they could see that I wasn't the one who opened the accounts. After six months, nothing. The collections were still on my credit and they just kept giving me the runaround.
Well, we found out that my wife was pregnant and we really wanted to leave. One of my officers told me to look into credit repair. I searched on the internet and found a few companies. I ended up going with The Credit People because they didn't cost as much as the others and they have a guarantee. Well, already, the Chase account has been removed from my credit report and now we're just waiting on the AMEX to come off. I'm glad I decided to do something about it. Soon I'll be able to get into a home. Thank you Credit People.
Reviewed Jan. 3, 2023
I lost my home back when the market crashed. I spent a lot of money on credit cards and made some bad choices but it was either that or be homeless. I got a better job and started paying down all my debt. In 2020, they said that interest rates were low and it was a good time to buy a house so I decided to give a shot. They pulled my credit and saw all the stuff on there from 2008 and 2009. I thought all of that stuff should have been gone but it wasn't. There was even some stuff on there that I didn't do. I tried one credit repair company but they wanted $1,300 upfront and that was too much for me. Kept searching and found The Credit People. They were very nice and actually listened to an old man haha. I signed up with them and haven't been happier.
Reviewed Dec. 8, 2022
I went through a nasty divorce! I mean nasty! I ended up filing bankruptcy just so me and my baby wouldn't be put out on the streets. After it was all done, nobody would rent me a place so I had to move in with my sister and her two kids in a two bedroom apartment! I had to give up almost everything I had! I got a second job and was making good money so I decided I wanted to get a place of my own. They all said I passed the income check but it was my credit which really sucks because if you have the money, what does it matter? But I get it. Credit is credit. I found The Credit People online. It took about a year to get everything cleared up but next month, I will be officially moving into my own place! I could not have done this without The Credit People! Thanks so much!
Reviewed Dec. 7, 2022
I worked with The Credit People because my husband and I was trying to refinance our house and we didn't get approved which is crazy. We got my husband's credit reports and see that they put my son's bad credit on my husband's report. They have the same first and last name but their middle name is different. I couldn't believe that they would still put this on my husband's reports! I had a friend who was working with The Credit People and she told me to give them a try. I really like how nice they were and they didn't make it feel like I was lying when I explained that it was our son's credit history. I was so pleased that I signed up with them to help me get some old stuff off my credit too!
Reviewed Dec. 7, 2022
I found the credit people back in December 2021. I was trying to get a house but they ran my credit and found four collections on my credit. I never used my credit before so I don't know where the collections came from. I told the credit people about it. A really nice girl told me, "Don't worry about it." In about five months, my credit was clean. Now I just have to build my credit which is easier now because I'm not getting turned down for credit cards anymore. I got my first credit card in June and now I'm just waiting a few more months for the activity to report to the bureaus.
Reviewed Nov. 4, 2022
Signed up for credit repair services with The Credit People, EXTREMELY unsatisfied and zero progress on my credit score. They claimed they did their part, but did not provide proof. They did not provide any updates on progress and the website provide no information. Was told I would receive updates from credit bureaus via US Mail, never received anything. Total scam and a waste of money, Their GUARANTEE of money back for unsatisfied service is a Joke and a total lie. Don't fall for the lie, not one item fixed or removed. ZERO DONE TO MY FILE, from August 2022- Nov 2022 and they claim they have done work. Quickly charge your card for nothing to be done. YOU HAVE BEEN ADVISED YOU’LL WASTE TIME AND MONEY, and they will tell you their money back guarantee doesn't work like it being advertised on their page and why you should trust their services. You have been warned.
The Credit People Company Information
- Company Name:
- The Credit People
- Website:
- www.thecreditpeople.com