The Credit People
What is The Credit People?
The Credit People is a credit repair service that helps improve credit scores by disputing inaccurate items on credit reports, including late payments, collections, bankruptcies, and more. It offers 24/7 account access, credit monitoring tools, and FCRA-trained specialists to support the dispute process across all three major credit bureaus.
How does The Credit People work?
The Credit People works by reviewing your credit reports after you sign up and subscribe to a membership plan. Once enrolled, their team accesses your credit reports from the major bureaus and identifies inaccurate or unverifiable negative items that may be lowering your score.
They then begin disputing these items on your behalf, which can include late payments, collections, charge-offs, bankruptcies, repossessions, tax liens, identity fraud, student loan issues, and judgements. You can track progress through your online account, where you also get updates on your credit reports and score changes.
Most users start seeing results within 45–60 days, although improvements vary depending on individual credit situations and no outcome is guaranteed.
The Credit People pricing
The Credit People offers transparent pricing with no hidden fees and provides multiple membership options to fit different needs. Their Standard plan costs $99 per month plus a $19 one-time setup fee, while the Premium monthly plan is $119 and includes more frequent credit report updates. They also offer a Premium flat-rate option of $599 for six months, which removes monthly billing.
For couples or spouses, The Credit People provides a discount where each partner receives $20 off their first monthly payment when signing up together.