The Credit People Review | 2023

Overview | The Credit People Review

Boost Credit Scores from 53 Credit Points to 187 Credit Points in the first few weeks – Just Magical.

The Credit People started in 1999, serving financial help for people such as debt validation, inquiry, and other finance-related issues. In the following years, they also broadened addressing issues like low credit scores. 

The Credit People Features

  • Free Credit Scores and Reporting
  • Thousands of Satisfied Customers
  • Straightforward and Low Monthly Fees
  • Best Analysis Team
  • Score Driven Results
  • Proven Credit Boost
  • Unlimited Disputes
  • Debt Validation
  • Certified FCRA
  • Creditor Communication
  • Help Beyond Credit Repair


COVID-19 made our finances go haywire, and a lot of people like you and me are troubled with bad credit scores. In such times, it is better to let the professionals handle the finances and improve credit scores; One such professional is The Credit People, that have managed to fix credit disputes in the least time possible.

“The Credit People” is one of the oldest credit repair companies, and there are positive and great impacts that we have seen over the years. It is one of our top recommendations in the Best Credit Repair Companies, and there is so much more than only fixing credit scores. With the least pricing, if The Credit People fails to fix your credit score, there is a refund policy, and you are not losing any money. But let’s talk more about why “The Credit People” is one of the best credit repair companies.

The team is full of professionals who know how to handle different credit summaries and faults to improve credit scores.

the credit people review
the credit people review

“The Credit People” being in the credit repair business for almost 2 decades, and after our series of tests and research, we can honestly say it is one of the best credit repair companies that we have come across.

Know More about The Credit People | Our Experience

We called The Credit People to check if they were legitimate, and one of our Credit Repair Experts/Sources had a one-to-one conversation with the professional on the other end. We were amazed to have a meaningful and genuine conversation, and the professionals were well-mannered and addressed all the queries. This built our trust more in The Credit People. 

In our series of tests, we found The Credit People has one of the best professional teams. Unlike most of the other Credit Repair Companies, The Credit People did not have an automated call service that forwarded the call; the professionals attended the calls. You can ask them any credit repair query irrespective of buying or not buying their services. 

Having low credit scores is a reflection of bad finances, and none can afford it in such times when the world was battling the COVID-19 pandemic. A wise decision to manage your personal finance, and we have a dedicated set of resources for it on our website. 

Though there are not many good reviews or ratings on the BBB and consumer affairs, The Credit People still manages to live up to its name. The reason which is speculated for a bad BBB rating is a lack of professional help, which is now likely fixed as there are no recent complaints or bad reviews about The Credit People. 


Trusted with over a hundred thousand users worldwide, The Credit People reflects results in a lesser time, as less than 60 days. This credit repair company is known for exceptional customer satisfaction and the best service.

Despite having a low BBB credit score, it has managed to back some great insights –

  • 78% of Approved Auto Loans
  • 71% of Approved Home Loans
  • 74% of Approved Refinancing
  • 81% of Approved for New Credit

The Credit People allows you to monitor changes in the credit scores reflected by the efforts of the professionals. With The Credit People, Users get access to a dedicated dashboard with all the reports and changes. One of the significant points to notice is all three credit scores and credit reports are improved at once. The in-detail report and analysis help professionals and users to take actionable credit steps and boost their credit scores. 

Once the negative items are found on your credit summary, the professionals write dispute and goodwill letters to get those items removed from your credit report. The Credit People write goodwill and dispute letters to creditors, bureaus, collectors, and other departments and authorities. 

How to use The Credit People

There is a simple process to start with fixing your credit report on The Credit People. The first step is to get your credit scores and reports from all three bureaus. You can get them free in any of The Credit People packages. Otherwise, you can use “myFICO” to get your updated scores from all three credit bureaus. It is one of the must-have credit score models when you need updated credit scores or even when you want to start your own DIY credit repair business.

Once the credit summary and reports are generated, the credit repair experts and professionals check each entry for negative or inappropriate items. After listing them all, the experts write organized disputes and goodwill letters to remove such items.

The dispute and goodwill letters take time. By the end of 60 days, you can find relief in your credit report.

Pros and Cons | Credit Firm Net Review


  • Low Fees Model – Start as low as $19 then $79/Month
  • Remove Bankruptcy
  • Free Credit Scores and Reports
  • Unlimited Disputes
  • Score-driven Results


  • Unresolved BBB Complaints
  • No Monthly Monitoring
  • No Financial Management Tools


There are two straightforward pricing schemes on The Credit People that the users can choose as per their needs. If the users wish, they can upgrade or downgrade their plans at the beginning of each renewal period.

One of the benefits of using The Credit People is you can ask for refunds if you are not satisfied with the service, but a certain charge shall be deducted for the services provided.

the credit people reviews

The cost of The Credit People starts at $19 (Setup – first work fees) in the beginning and then $79 per month. If you wish to save long, you can for a flat-rate charge of $419 for the six-month program.

Standard: Monthly


  • Pay as you go
  • Score analysis
  • Creditor interventions
  • Customize credit priorities
  • Credit score “before & after”
  • Monthly credit score updates
  • Unlimited credit issue challenges: All three bureaus

Standard: Flat Rate

$419.00/ 6 Months

  • No monthly fees – 6mo service
  • Score analysis
  • Creditor interventions
  • Customize credit priorities
  • Credit score “before & after”
  • Monthly credit score updates
  • Unlimited credit issue challenges: All three bureaus


Credit People is one of the top credit repair companies on the list, and there is so much that it provides. We give it a whooping rating of 4.7/5 and highly recommend you check it out. 

Contact | The Credit People

You can contact “The Credit People” using multiple methods to inquire about your queries and get updates on your credit scores. To save most of your time, you can start by calling “The Credit People” to get the latest updates on your credit scores or email them with your list of questions and doubts.

On the other hand, one of the trusted contact for “The Credit People” is to visit them at 6975 S Union Park Avenue, Suite 600, Cottonwood Heights, UT 84047.


What People are Saying

Here are a few reviews that users have to say about The Credit People and truly show how capable and reliable this credit repair company is and why you should be using it.

“I had been with another company in the past that was charging me and I was doing most of the work. You took care of everything for me and got me great results too.”
Stacy R
Review on The Credit People
“I can’t believe what you’ve done. I am not the easiest person to reach and I’m definitely not the most organized (which is why I went with your company honestly) but you managed to raise my credit score by 72 points, so I’m happy!”
Mike G
Review on The Credit People
“I’m very pleased with the service, my credit was in bad shape. I’m about to close on a house. The service is excellent and fast.”
Cedric W
Review on The Credit people
“Thank you for the advice. I am very happy with the work you are doing. The credit people have really done an amazing job for me and my wife. I can’t thank you enough for taking a special interest in our case like you have. I have received help from at least a half a dozen people over there and everyone has been so nice and helpful. You’re a great company.”
Review on The Credit People

Similar Credit Repair Services

Unsatisfied with The Credit People and its services? Try the following similar credit repair services to fix your credit scores.

Credit Saint
Credit Firm


Hi, this is Ashutosh - I am the creator of the "Space Shuttle Strategy" and most credit repair guides on this website. I love talking about finance, credit repair, and business tools, and I share my ideas through guided and helpful articles which can help you make a difference. Some people also call me Jr. Nikola Tesla, as I love creating new ideas and bringing change, and my ideas do stick.

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