The Credit People Review
Updated April 21, 2023

The Credit People Review: How Does The Credit People Work and Is It Worth It?


We may receive a commission if you sign up or purchase through links on this page. Here's more information.

Your credit score is an important component of your overall financial health.

A bad credit score can impact your ability to buy a car, purchase a home, or even rent an apartment.

If you have a history of bad credit including late payments, a large amount of credit card debt, or accounts in collection, it can be tough to tackle your credit history and raise your score all by yourself.

The Credit People is there to help raise your credit score and get your finances back on track.

The team at The Credit People will thoroughly review your credit report and will work on your behalf to raise your score.

When you sign up for credit repair services from The Credit People, you’ll start to see results in as soon as 60 days.

In our The Credit People review, we’ll show you what The Credit People has to offer and why you should sign up today.

The Credit People Review

The Credit People was founded in 2001 with the goal to be the industry’s best credit monitoring and repair service available.

With hundreds of thousands of consumers helped to date, The Credit People works hard to fix your credit score by disputing errors, ensuring that your credit is being reported fairly, and creating a personalized action plan based on your credit profile.

Your credit report records virtually all of your financial history and is maintained by multiple credit reporting agencies.

The Credit People will work with you to review your credit report and repair your credit history.

Improve Your Credit With The Credit People

Credit repair services are there to make sure that your credit report is accurate and fair, and The Credit People is there to help fix credit errors and give you strategies to raise your credit score.

There may be things on your report that are inaccurate, or simply don’t belong there.

If you don’t regularly check your credit report or if you’re not sure how to dispute and remove errors, your credit score may be impacted.

Rather than spending the time to review your credit report, check it for inaccuracies, and dispute errors through credit reporting agencies and creditors, The Credit People does it all for you.

With one low monthly payment, The Credit People will help you take back control of your credit and maximize your credit score.

How Does The Credit People Work?

The first step in repairing your credit is to sign up for The Credit People.

When you sign up, you’ll need to provide your personal information, including your social security number so The Credit People can access all three of your credit reports.

The Credit People uses state of the art data encryption to keep your information safe.

Access to All Credit Reports on One Platform

After signing up, you’ll have immediate access to all three of your credit reports right through your online profile, so you can see exactly what is impacting your credit score.

The Credit People will immediately assign a representative to start working on your credit profile to fix errors and raise your score.

They’ll also craft a personalized improvement strategy tailored to your financial profile.

You’ll receive tips and suggestions on ways you can maximize your score by paying off debt and using your credit wisely.

Representatives Search for Errors and Questionable Items

The representative assigned to your account will also begin to thoroughly review your credit report and work on your behalf to remove errors and negotiate collections accounts.

If they see any errors or questionable items, they’ll work to have them removed or validated if necessary.

The Credit People will continually monitor your credit report for late payments, collections, repossessions, inquiries, identity theft, judgments, and bankruptcies, so you’ll always have someone working to help your credit.

They will also work until they’ve achieved the best results for you, meaning you can cancel at any time once you’re satisfied with your credit results.

Free Credit Consultation

Knowing where your credit stands is the first step in improving and repairing your credit score.

To help you make smart financial decisions and to help you realize the benefits of The Credit People, you can sign up for a free, no-obligation credit consultation.

Simply sign up for the consultation on The Credit People’s site, and a representative will contact you to review your credit information.

This is a great way to learn if The Credit People is right for you and just how helpful the team can be.

What’s Included With The Credit People

The Credit People has a fantastic lineup of services that are included in your membership at no additional cost.

Where most other credit repair services charge you for each additional feature, The Credit People charges one low monthly fee for all of its services, making it a straightforward, easy to understand pricing structure with no hidden fees or unwelcome surprises.

Your account will include a detailed credit report, your credit scores from all three reporting agencies, and a dedicated representative to help repair your credit report.

Additional Features

In addition to these amazing features, you’ll also receive:

  • 24/7 account access to see your updated scores and reports.
  • Access to toll-free customer service report.
  • Unlimited disputes on your reports.
  • Dedicated communication between your The Credit People representative and your creditors.
  • Additional financial help beyond credit information.

The Credit People was designed with you in mind.

Whether you’re in serious need of help with your credit report or you’re looking for occasional credit report monitoring, The Credit People can help.


As we mentioned, you’ll get all of The Credit People’s credit report services for one low monthly price of $89 per month.

On top of the already low price, it costs even less to get started.

The startup fee for your The Credit People account is just $39.

When you look at pricing for other credit repair services, you’ll quickly realize that they charge much more than a monthly fee.

On top of a monthly fee, which is often more than The Credit People’s monthly fee, you may have to pay for your initial scores and reports, as well as your ongoing updated credit reports.

This can mean hundreds of dollars just to start, and much more than $89 per month for credit repair and monitoring services.

With The Credit People, you’re getting the best services possible at the best price.

The Credit People Guarantee

The Credit People also has an impressive satisfaction guarantee.

Their goal is to help you achieve better credit and higher credit scores, and if you’re ever unsatisfied with the services you’ve received, you can cancel at any time without any fees or penalties.

The Credit People stands by their services, and if you’re unsatisfied and cancel, you won’t be charged for the current month.

There are no hidden fees or extra costs and you pay as you go, giving you the freedom to start and stop your service when you want.

The Credit People also has a dedicated customer support team to help you with any questions or concerns you may have while on your credit repair journey.

Secrets to Great Credit

Go beyond credit monitoring and repair by downloading The Credit People’s free document, Secrets to Great Credit.

This informative document goes over the basics of credit, but also shows you the various ways that poor credit history can impact you.

Bad credit impacts much more than your ability to buy a car or home.

Learn from Experts

You’ll also learn practical ways to improve and maintain your credit score from experts in credit monitoring and repair.

Beyond the personal plan you’ll receive from your account representative, you’ll also find other powerful action plans you can use to get your credit back on track.

Even if you’re not signed up for The Credit People, you can download this document completely free of charge.

Is The Credit People Worth It?

If you have poor credit and you’re not sure how you can improve your score, The Credit People is extremely valuable.

Not only is it less expensive than most other credit repair services, but you’re also getting expert help and advice from industry leaders at no additional cost.

Increase Your Credit Lines

Raising your credit score unlocks opportunities to access higher lines of credit, purchase a car, or purchase a home.

When thinking about returns on investment, the small fee that The Credit People charges for their services is well worth it when your credit is improved and you’re able to secure lines of credit and large purchases.

Navigating credit reports and credit scores can be difficult and confusing, and when there are errors and inaccuracies involved, it can become even more complex.

Achievement Statistics

Here are some of the amazing results that The Credit People has been able to achieve:
32% average increase in credit scores.
71% of users were approved for home loans after using The Credit People.
78% of users were approved for auto financing after using The Credit People.

Rather than spending your time and energy trying to negotiate and dispute your credit report, let the experts at The Credit People handle it for you.

Is The Credit People a Scam?

With any paid service, there are people out there who may feel like The Credit People is a scam.

Looking through the testimonials, as well as what The Credit People offers and what they stand for, it’s easy to see that The Credit People is a safe and legitimate credit repair company.

They offer an industry-leading customer satisfaction guarantee, allowing you to cancel at any time and get a refund for the current month.

No Contracts

Additionally, they never require customers to sign a contract or agreement, and you’ll pay for services on a month to month basis rather than all at once up front.

These two signs alone, the customer satisfaction guarantee and the month to month no-contract billing, indicate that The Credit People is a legitimate service that was truly designed to help consumers raise their credit scores.

Your Information is Safe and Secure

While you do have to enter your sensitive personal information such as your social security number, The Credit People keeps your information safe.

Your contact information is never sold to third party partners or to marketing companies, and your credit information is always secured.

Why We Recommend The Credit People

Many consumers don’t realize the importance of their credit score, not only for large purchases for homes and cars, but for other things such as renting an apartment or even securing a job.

The Credit People lets you take back control of your credit by offering credit repair and monitoring services at one low monthly cost.

The Credit People: Conclusion

Credit report errors can severely damage your credit score, and if you don’t regularly monitor your credit report and dispute errors, your credit score could be negatively impacted without you even knowing it.

In addition to finding and disputing errors on your report, The Credit People also ensures that your credit information is being reported fairly, and will fight on your behalf when it is not.

When it comes to credit repair services, The Credit People is leading the way to make expert credit repair services affordable for everyone.


Logan Allec, CPA

Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.

Back to top  
Notify of

Inline Feedbacks
View all comments