The Credit People Review [2024]: Improve Your Credit or Get Your Money Back (2024)

You may not realize it, but there are a lot of times in life when your credit matters. If your credit score is less-than-stellar, you may struggle to qualify for home loans, car loans, and even credit cards.

The Credit People is a credit repair service that claims it can boost your score by as much as 187 points. In fact, the company reported that 78% of its customers were approved for car loans after using its services.

If you’re considering signing up for The Credit People’s credit repair services, here’s what you need to know first.

The Credit People plan basics

An overview of The Credit People

The Credit People is a credit repair company. It was founded in 2001 and is based in Utah. The company works to provide hope to those in bad credit situations and share how better credit is a possibility. Since its inception, the company has reportedly helped more than 100,000 people improve their credit scores.

The Credit People’s customers are people who need to boost their credit scores to qualify for forms of credit, such as home loans, auto loans, or student loan refinancing. The company claims it can deliver results in fewer than 60 days after you sign up for their services. And they report that customers can expect their scores to increase by 53 to 187 points.¹

What credit repair services does The Credit People offer?

The Fair Credit Reporting Act provides protections that allow you as an individual to dispute negative items on your credit report that are inaccurate, incomplete, unverifiable, or misleading. You can dispute these items directly with reporting agencies. Any items that cannot be verified must be deleted.

While you can dispute credit report errors independently, it can be time-consuming and confusing. That’s where credit repair companies come into the picture. Instead of filing the disputes yourself, you can hire a professional service like The Credit People, and the company will manage the dispute process for you.

The Credit People works to remove the following types of items from your credit history:

• Late payments
• Charge-offs
• Foreclosures
• Judgments
• Repossessions
• Closed accounts
• Bankruptcies
• Negative settlements
• Liens
• Collections

When you sign up for credit repair services with The Credit People, you can choose between a monthly plan and a flat rate membership. They offer transparent pricing and promise no hidden fees. Here are the service levels offered by The Credit People:

• Monthly plan:One-time $19 setup fee; $79 per month after that
• Flat-rate membership: $419 for six months

Once you sign up, you’ll receive a welcome email and phone call from The Credit People. You’ll also get access to an online account to track your progress and view your credit reports from the three major credit bureaus — Experian, Equifax, and TransUnion. In addition, as a customer, you’ll be able to access your credit reports for free anytime.

The Credit People will immediately begin working on improving your credit for you. Its services include:

• Disputing questionable accounts: The Credit People will review your credit reports and dispute any questionable accounts, such as accounts that may not belong to you or fraudulent accounts that someone may have opened under your name.
• Removing late payments: The company will negotiate with your creditors to delete late payments from your credit reports.
• Debt validation: The Credit People will work on debt validation with your creditors to ensure that any outstanding debt listed on your credit report is valid and belongs to you.
• Creditor communications: The Credit People will handle all creditor communications, helping you save time.

What we like about The Credit People

• Quick results: Although every situation is unique, most customers see results within 45 to 60 days.
• Free seven-day trial: You can try out The Credit People's services for free for the first seven days. The trial includes a free credit consultation and monitoring services.
• Spousal discount: If your spouse signs up for The Credit People after you sign up, you’ll receive $20 off each of your first monthly payments. The discount is available only for monthly payment plans. You are not eligible for the discount if you’re on the flat rate membership plan.
• Satisfaction guarantee: The Credit People offers a satisfaction guarantee. If you’re on a monthly plan, you can cancel at any time, and you won’t be charged for that month’s fee. The company will also refund you for your previous month’s payment.

What The Credit People could improve

• No identity monitoring or account alerts: To maintain good credit, identity and credit monitoring services are useful. Unfortunately, The Credit People doesn’t offer account monitoring or account alerts, so you’d have to use another service for assistance in protecting yourself from identity theft.
• Complex credit issues may be too difficult: The Credit People is useful for minor credit issues. If you have a history of more complex credit problems, such as foreclosures, repossessions, or bankruptcies, the company may not be as effective. Although the company stresses that it will take every measure possible to attempt to have these issues removed from your credit report, the percentage of successful removals is relatively low in these areas.

What The Credit People customers are saying

The Credit People, backed by Duo Studios Incorporated, is a small company. As such, the Credit People is not accredited by the Better Business Bureau and is not included in the Consumer Financial Protection Bureau database of complaints.

In the few customer reviews left with the BBB by customers, some users complained they didn’t see results after several months with the service or were dissatisfied with company responsiveness to questions and issues. With such a small number of complaints, it’s hard to say for sure what the customer experience is like, and the company did post responses with its explanation of each situation.

The Credit People customer service

The Credit People’s customer support is available by phone at 866-382-3410. You can also email any questions to questions@TheCreditPeople.com.The Credit People doesn't offer online chat services, but customers can manage their accounts on The Credit People's website.

FAQs about The Credit People

Bottom line

If you’re working on how to manage your money and you need to improve your credit but are short on time, The Credit People can dispute credit issues for you and work directly with your creditors. You can opt to pay a monthly fee and cancel at any time, and The Credit People is backed by a satisfaction guarantee.

However, other credit repair services may be more robust, offering extra features such as identity protection and credit report alerts. If you’re looking for a more comprehensive service or simply comparing what’s available in the world of credit repair, check out our picks for the best credit repair companies.

Disclaimer: All rates and fees are accurate as of Sept. 23, 2022.