The Credit People Review for 2024


  • Free Phone Consult
  • Founded in 2001
  • Guaranteed Results or Your Money Back
  • Couples Receive $20 Off Each on First Payments
  • Cost: $19 Set Up – Only $89 per month – or $379 all-inclusive for 6 months

For those looking to get started repairing your credit but who are leery of having to pay a monthly fee, The Credit People offers a viable alternative with great results.

The Credit People is a reputable credit repair company that offers several ways to get started. For those who prefer the traditional route, there is a $19 setup fee and a monthly rate of $79 per month, which is very reasonable for credit repair.

For those who want to avoid paying every month, The Credit People also has a flat rate program for just $419. There are no setup fees for this plan, and it covers all work done for you for a full six months. There are no ongoing monthly commitments.

The Credit People’s flat-rate pricing has a six-month satisfaction guarantee, so you can get a refund at the end of 6 months if you aren’t satisfied.

Another way this credit repair company stands out is that they get your initial credit reports and credit scores for you for free. This is a time-saving step that can be very important for people who need help with their credit right away.

Introduction to The Credit People

Having the option to prepay for credit repair services upfront can make it easier for people with limited funds month-to-month. In addition, the money-back guarantee and flexibility on pricing make The Credit People a solid choice.

The Credit People Reviews from Past Clients

“I tried another credit repair company in the past that charged a monthly fee, and it seemed like I was always the one doing the work! With you guys, everything was taken care of, and I saw results with my credit score in just a few months. Thanks for helping me qualify for my new loan!” — S.R.

“I never believed credit repair could work before until I signed up with Credit People after reading a few positive reviews. There are so many scammers out there. I was reassured that there was a 100% money-back guarantee and that I didn’t have to pay for any month of work that I didn’t approve.

So far, I’m very pleased! My new credit score is already saving me thousands in interest payments and I can’t wait to see how much more improvement I can get.” — A.S.

Thanks for helping me with this! I knew how credit repair is supposed to work, but I’ve never had the time to do any of it on my own. With your people, the entire credit repair process was fast and professional. A++ review from me.” — J.L.

While The Credit People currently has a Better Business Bureau (BBB) rating of C+, we don’t believe that to be indicative of their service. Most of the customer reviews on other online review sites are overwhelmingly positive.

Frequently asked questions about The Credit People

How does The Credit People work?

To get started, you simply pay $19. First, the Credit People get your credit reports and credit scores for you. Then, they load them into your online account, create a strategy designed personally for you, and start working on your credit immediately.

You’ll be given login access to your account where you can see your credit reports and all three of your credit scores. Then, one of their credit repair specialists will begin working to repair your credit right away.

Most people start seeing improvements to their credit score in less than 60 days and continue to improve their credit each month for as long as you’re with them. The Credit People will continue to work on your credit history until they’ve accomplished the best results possible for you. You can also call customer service to cancel your credit repair service at any time.

How long does it take them to repair my credit?

Every client’s situation is different. How long it takes depends on how many negative items are on your credit report and the responsiveness and cooperation of the credit bureaus and your creditors.

Once you get signed up, and they’ve reviewed your credit history, it will be easier for them to give you an estimation of how long it will take based on past clients’ results.

Do The Credit People offer a guarantee?

Yes, they stand behind their credit repair services 100%. The Credit People completely guarantee your satisfaction and have made their credit repair service risk-free. If you choose the month-to-month credit repair program, you can cancel at any time, and you will not be charged for that month of service.

That assures you that you will never have to pay for anything that you’re not happy with. If you decide to go with their flat-fee pricing, you will have a full 6-month money-back guarantee.

What items can be removed from my credit report?

Is it possible to remove a bankruptcy, student loans, late payments, repossessions, hard inquiries, paid collections, judgments, charge-offs, etc.? The answer is “yes” to all of those items. While it is not guaranteed that they will remove anything, it is possible to have any of those items removed.

Once items are deleted, can they reappear?

It doesn’t happen very often; however, it is possible that a negative item that was recently deleted can show back up on your credit report. This is because the FCRA requires that the credit bureaus inform you before they re-report a previously deleted listing.

They also have a limited time of 5 days to re-report the item once it’s been removed. Re-reporting the item after that is a violation of the FCRA, which is why they rarely re-report items.

woman on laptop

Where is The Credit People located?

The Credit People are located in Orlando, Florida. However, they serve the whole country, so it is unnecessary to visit their offices in person. Everything can be handled online or over the phone.

How much does it cost?

The Credit People have 2 payment plans. The first is a pay as you go, cancel anytime. You can try out the credit repair service for 7 days for just $19. After the 7-day trial, if you like the service, you can continue for just $79 per month.

Or you can sign up for a complete 6-month program for just $419. Again, your satisfaction is completely guaranteed.

Do The Credit People offer a discount for family members or couples?

For the flat rate membership plan, The Credit People offer a discounted rate of $359 for each person for 6 months. For the monthly membership plan, they discount the 1st month to $59 for each person. Either way, signing up as a couple will save you $40.

What is their phone number?

You can reach the Credit People at (866) 875-1478 during business hours. If calling customer service after hours, you can leave a message.

What are their call hours?

Customer Service hours are 9 am – 5 pm CST. Sales hours are 24 hours/7 days a week.

How do I cancel with The Credit People?

It’s easy to cancel and with no further obligation. Just give them a call, tell them you want to cancel, and you won’t be billed further.

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Meet the author

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