The Credit People Credit Repair Review

Competitively priced credit repair

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

The Credit People

The Credit People 

Investopedia’s Rating

Our Take

The Credit People makes its credit repair service surprisingly affordable compared to the competition. Just be wary of purchasing a plan that asks you to prepay for several months of fees in advance.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Affordable pricing

  • Money-back satisfaction guarantee

  • Unlimited disputes

  • Credit monitoring included

  • Ample educational tools

  • Markets a six-month prepayment plan

  • Single service option

  • No web chat or mobile app

Key Takeaways
  • The Credit People offers a single credit repair package priced at $79 per month in addition to a $19 first work fee.
  • Credit monitoring is included at no additional charge.
  • The company’s satisfaction guarantee guarantees that a customer will never pay for anything they're not satisfied with.
Company Overview

The Credit People is a credit repair company based in Cottonwood Heights, Utah, with additional offices in Chicago and Florida. Founded in 2001, the firm has served more than 100,000 clients across the United States. Services are mostly offered virtually via phone, email, and an online portal.

The Credit People attracts customers with low prices and a discount plan that advertises even more savings. But the credit repair industry is filled with pitfalls, and you should never sign up for services without thoroughly investigating the company first. Our review does the work for you by breaking down The Credit People’s services, value, reputation, and more to find out if they’re worth the cost.

  • Year Founded 2001
  • Kinds of Credit Repair Service Credit disputes, monitoring
  • Fee Schedule Upfront and monthly
  • Monitoring Options Included
  • Customer Service Phone, email
  • Official Website
The Credit People

The Credit People 

Investopedia’s Rating

Pros Explained

  • Affordable pricing: The Credit People’s initial work fee is just $19, a small fraction of competitors' pricing. Monthly fees remain competitive at $79.
  • Money-back satisfaction guarantee: The Credit People guarantee that customers will never pay for anything they're not satisfied with.
  • Unlimited disputes: The Credit People doesn’t limit the number of credit disputes they’ll file on your behalf each month.
  • Credit monitoring included: Most credit repair companies tack on extra costs for credit monitoring (if they offer it at all), but The Credit People includes it in your monthly fee.
  • Ample educational tools: The Credit People’s help zone is a great resource for informational guides, videos, and more.

Cons Explained

  • Markets a six-month prepayment plan: The Credit People tries to convince customers to pay for six months upfront by offering a prepayment discount, but this isn’t actually beneficial for most people.
  • Single service option: There’s only one service package available.
  • No web chat or mobile app: While The Credit People’s website is filled with great digital tools, the company fails to offer live web chat or a mobile app version.

All About FICO Credit Scores

Types of Services

The Credit People lists several services in its single package, covering both traditional credit repair and a few related areas. All are included in the same monthly fee.

Credit Disputes

Credit disputes are the bread and butter of the credit repair process. Like most companies, The Credit People handles this by first reviewing your credit reports in detail and identifying items that may be incorrect or outdated. They’ll then send letters to the credit bureaus on your behalf requesting that the errors be removed.

Credit Monitoring

With your membership fees, you’ll also receive complimentary credit monitoring. This is an ongoing service that is incredibly helpful during the credit repair process. Credit monitoring gives you real-time updates as the contents of your credit report change and your score changes. Most credit repair companies either charge extra hidden fees for this service or fail to offer it at all.

Debt Validation

While not strictly part of the credit repair process, The Credit People also offers debt validation. This involves asking creditors to come up with proof that they have a legal right to collect the debt they say you owe. The Credit People can also validate hard inquiries on your report, one of the few companies to uniquely mention this service.

Expert Tip: Warning

If you have reason to believe a creditor or collections agency is attempting to collect a debt you don’t owe or shouldn’t have to repay, a debt validation letter can clear the air. However, you should hesitate to let a credit repair company send a debt validation letter regarding a legitimate account. This can trigger creditors to step up their collection efforts as they may see the request as a sign you don’t intend to repay the debt.

Optional Add-Ons

It’s fairly common for credit repair companies to make optional add-on services available to customers who want a more inclusive service. However, The Credit People doesn’t offer any of these. Since the company’s single service package already contains a broad scope of services, there’s no pressing need for them to sell anything else.

Customer Service

The Credit People’s customer service presentation is in line with industry averages. Representatives can be reached by phone or email, and an online customer portal provides an easy access point to track progress and upload documents. However, there’s no live web chat or mobile app similar to what some competitors offer.

Expert Tip: Tip

When you sign up for service with The Credit People, you’ll be assigned a team of credit repair professionals to handle your case, typically made up of three people. If you’d rather work one-on-one with a dedicated case manager, the option is available, but you’ll have to specifically request it.

Company Reputation

We typically use third-party data sources to gather customer sentiment on the companies we review. In The Credit People’s case, not much information is available. The company does have a fairly negative presence with the Better Business Bureau, receiving a C+ rating and an average customer review score of just one star out of five.

Even so, we try to take these ratings with a grain of salt since the Better Business Bureau is not an official government agency but a private organization.

If you have a complaint about the services of a credit repair company, you can file a complaint with the Federal Trade Commission (FTC) or call 877-FTC-HELP.

Contract Duration

The Credit People doesn’t lock customers in with long-term contracts. Month-to-month service can be canceled at any time. In fact, thanks to The Credit People’s satisfaction guarantee, the company will even refund your most recent payment if you decide to cancel because you’re not satisfied with the service you receive. Unlike most money-back guarantees advertised by competitors, this one isn’t tied to any specific outcome; you can request a refund even if items have been removed from your report.

Although The Credit People doesn’t ask customers to sign contracts, the company does market a prepayment plan that tries to entice customers with a $74 discount when they pay for six months of service in advance. The satisfaction guarantee also applies to this plan.

Expert Tip: Warning

Credit repair companies can’t guarantee results in a specific amount of time. There’s no way to predict whether your case will take exactly six months, so prepaying for this service period probably isn’t a good idea. If you pay by the month, you’ll be free to cancel whenever you feel you’ve taken full advantage of all the services the company has to offer.


Pricing for The Credit People’s credit repair plan is extremely affordable compared to the alternatives. The initial work fee is just $19, and ongoing service costs $79 per month. If you opt for the six-month prepayment plan, you’ll be charged $419, for a total savings of $74.

The Competition: The Credit People vs. Sky Blue Credit

The Credit People and competitor Sky Blue Credit both price their credit repair service at $79 per month, the key difference being that The Credit People charges just $19 in initial work fees while Sky Blue Credit asks for $79. Unlike The Credit People, Sky Blue Credit doesn’t offer credit monitoring; customers who want this service will need to purchase it separately from another company. Sky Blue Credit also places a limit of 15 credit disputes per month, just five with each credit bureau, for every month of service. The Credit People offers unlimited monthly disputes with its plan.

The one area where Sky Blue Credit stands out is homebuying. The company specializes in the mortgage application process and can help you polish your credit prior to applying for a loan. However, if you’re not pursuing credit repair specifically for the purpose of getting approved for a mortgage, The Credit People offers better value.

  The Credit People Sky Blue Credit
Year Founded 2001 1989
Services Offered Credit disputes, credit monitoring Credit disputes, credit rebuilding, debt management
Customer Service Touchpoints Phone, email, client portal Phone, email, client portal
Upfront Fee $19 n/a
Monthly Fee $79 $79

It’s hard to argue with The Credit People’s affordable pricing structure that covers a better range of services than more expensive plans from competitors. Unlimited monthly credit disputes and credit monitoring both add value and typically involve a surcharge, but each is included in The Credit People’s flat rate. Our one word of caution is to stay away from the company’s plan that requires prepaying for six months of service upfront. Even with a discount, you could end up paying for more than you need.

How We Review Credit Repair Companies

We use a quantitative scoring method to review credit repair companies in the most unbiased way possible. Our rating system considers the scope and quality of credit repair services offered, the types of packages available, and the cost associated with each plan. Each company is assigned a score for every category, which we use to calculate an overall rating and compare services to the competition.

Learn more: Read out full Credit Repair Review Methodology here.