The Credit People credit repair review 2019 |

The Credit People credit repair review – June 2019

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Offers month-by-month and flatrate memberships, but be wary of high fees with no guarantee of a better credit score.

Incorrect entries on your credit report can negatively impact your credit score, making it difficult to apply for a loan or get new a credit card. If you suspect incorrect credit report entries are lowering your score, a credit repair agency might be able to help.

We review one of your credit repair options with The Credit People to help you make an informed decision.

  • 7-day trial for $19
  • Get access to your credit reports
  • Most customers see results within 2 months

What is The Credit People?

The Credit People is a credit repair service that was founded in 2001 and has headquarters in Cottonwood Heights, Utah. It’s processed over 310,000 credit reports and its team is trained in the laws that regulate credit repair, including the Fair Credit Reporting Act.

The Credit People claims to be the only credit repair company that offers its customers free credit reports and credit scores when you sign up. It also offers an online platform that allows you to monitor the progress of your credit repair with along the way.

Product details

Initial fee$19
Monthly membership fee$79
Six-month membership fee$379
BBB ratingC
Fee to access credit report$0
Free credit consultationYes
Years in business17
Customer serviceEmail at or call 866-934-7633

Features and benefits

On average, most customers see results with The Credit People within two months. The Credit People offers a seven-day trial for $19, along with several other benefits:

  • Access to credit reports. Your credit reports are included in your monthly fee.
  • Online account access. Monitor the progress made on the road to repairing your credit with an online dashboard.
  • Cancel anytime. The Credit People claims it’s easy to cancel the service anytime with no questions.

How much does it cost?

Initial set-up fee$19
Monthly membership fee$79
Six-month flatrate membership fee$379
Couples discount$20 off each spouse’s first monthly payment

How long does it take for The Credit People to improve my credit?

Results vary depending on your situation, but The Credit People considers your individual credit score and the length of time it takes for your creditors to respond. The Credit People claims that most of their customers see results within 60 days.

How do I sign up?

  1. Go to The Credit People’s site and click Get Started.
  2. Enter your full name, address, phone number and email address. Click Next Step.
  3. Enter your payment information and select the membership type you’re interested in applying for. Read The Credit People’s terms and conditions. Click Next Step.
  4. Confirm payment to complete the application.

How do I cancel with The Credit People?

The Credit People’s site states that you can cancel at any time and that it won’t charge you for the month of service when you cancel.

To cancel your service with The Credit People, send an email or call its customer service line and indicate that you’d like to close your account.

What to watch out for

While The Credit People gives you access to your credit report and work to repair your credit, be on the lookout for the following potential drawbacks:

  • No guarantees. The Credit People can’t guarantee results, which means you could pay for months of service for minimal results, if any.
  • High monthly fees. After your trial period is up, expect to pay $79 a month for your credit repair service.

Compare The Credit People with other credit repair services

Details Features
Self Lender — Credit Builder Account
Self Lender — Credit Builder Account
Savings account that helps you build credit.
  • No hard credit inquiry
  • Available in all 50 states
  • It typically takes 60 days for new accounts to appear on credit reports
Go to site More info
The Credit People
The Credit People
Professionals work with you to clean up your credit and raise your credit scores. Cancel anytime.
  • 7-day trial for $19
  • Get access to your credit reports
  • Most customers see results within 2 months
Go to site More info
Online credit repair service.
  • Credit report repair
  • 24/7 credit monitoring and alerts
  • Score tracker and analysis
Go to site More info
CuraDebt: Tax Debt Relief Free Consultation
CuraDebt: Tax Debt Relief Free Consultation
Debt relief professionals helping individuals and small businesses nationwide.
  • Free consultation and 100% confidential
  • 15+ years experience
  • Debt relief help for credit cards, medical bills and taxes
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The Credit Pros: Legal Credit Repair
The Credit Pros: Legal Credit Repair
Online credit repair service that gives free consultations.
  • Unlimited disputes to help clean up your credit
  • Monitor your credit with real-time alerts
  • Protects your identity on the dark web
  • Updated credit report and score each month
Go to site More info
Lexington Law Credit Repair
Lexington Law Credit Repair
Law firm that specializes in credit repair.
  • Remove incorrect listings from your credit file
  • Get free access to your credit report
  • Personalized credit repair services
Go to site More info
Professional credit repair service that can help you create a step by step action plan. Cancel anytime.
  • Free credit consultation
  • Over 15 years of credit repair experience
  • Get help optimizing your credit file
Go to site
Details Features
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report
  • Get quarterly access to your most widely used FICO® Scores
  • Credit report change alerts
  • FICO® Score analysis
Go to site More info
Experian Credit Report
Experian Credit Report
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
  • 3 credit reports
  • Track your FICO® score
  • Easy to use dashboard
Go to site More info
TransUnionCredit Report
TransUnionCredit Report
TransUnion credit score, monitoring and identity theft insurance.
  • Unlimited updates to your TransUnion credit score
  • Up to $1,000,000 in identity theft insurance
  • Personalized debt analysis
Go to site More info
Equifax Business Credit Monitor
Equifax Business Credit Monitor
Monitor your key business relationships to protect your company from losses.
  • Bankruptcy Alert
  • Derogatory Alerts
  • New Inquiry Alert
Go to site More info
$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.
  • Credit reports from all 3 bureaus
  • Email alerts when your credit report changes
  • Up to $1,000,000 in identity theft insurance
Go to site More info

Is The Credit People legit?

Some credit repair services have been subject to criticism in the past for predatory business practices. If you’re going to invest your hard-earned money, you want the service you select to put your funds to good use.

Here’s what we found out about The Credit People’s online reputation:

  • Better Business Bureau (BBB). It’s not accredited by the BBB and earns a C rating based on factors like transparency and complaint history. Most customers were frustrated that their credit didn’t improve after working with The Credit People after several months.
  • Trustpilot. We found nothing about The Credit People on Trustpilot.
  • Legal trouble. There isn’t much to report in terms of legal trouble for The Credit People, which is a good sign. But keep your eyes peeled for credit repair services in the headlines.

Customer service

If you have questions or concerns, contact The Credit People’s customer service by email at or call 866-934-7633. Unfortunately, it doesn’t provide the hours its customer service is available or how long you can expect to wait to hear back from an online representative.

Once you pay your membership fee, you have 24-hour access to your online account to monitor your credit score and review progress to improve your rating.

There is also a FAQ section on The Credit People’s site that helps answer questions about its service.

Is there a guarantee to fix my credit report?

Unfortunately, no credit repair service can claim a guaranteed improvement of your credit score because of the Credit Repair Organizations Act.

This statute was enacted in 1996 by President Bill Clinton to stop the deceptive advertising and predatory business practices used by many credit repair companies.

The act requires credit repair services to provide potential clients with the information they need to make an informed decision. This means no credit repair service can claim a guaranteed improvement of your credit score.

Bottom line

If you suspect there are incorrect entries on your credit report negatively impacting your score, a credit repair service might be able to help. The Credit People offers monthly or flatrate membership fees and will provide you with online access to your credit reports within the first week of service.

However, keep in mind that there’s no guarantee that your credit score will change and that in some cases, you can contact a reporting agency on your own to have an incorrect entry removed, for free.

If you’d like to hire a credit repair service to improve your credit score, explore your options with additional providers to find the service that best fits your needs and budget.

Credit repair 101

Images: The Credit People

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