The Credit People Review

By Gerald Dunigan

Our rating: 4 / 5
The Credit People Highlights
  • Lowest first work fee & one package pricing
  • Toll-free customer support line
  • Uses other ways to improve credit
  • Unlimited disputes

What’s the most affordable credit repair company? Well, The Credit People is famous for their low first work fee. Customers pay $19 for the initial evaluation and a monthly payment of $79.

In this The Credit People review 2021, learn more about:

  • The 90-day & 6-month satisfaction guarantee;
  • Features of the $79 package;
  • Credit repair process;
  • Top alternatives;
  • Common complaints and the firm’s response.

“Better Credit Awaits” is the company’s tagline. And they are downright approachable and informal. They express that their goal is to go above and beyond fixing credit errors.

A customer was due for a military promotion, but she had bad credit. The Credit People sent a referral letter to her superior, showing their involvement in fixing her credit. It’s just one of the wonderful stories featured on their Results page.

What Is The Credit People?

Darren Standfield and Scott Elhenicky (current CEO) founded the company in 2001. They have since removed about 1.4 million negative items. Clients see an estimated increase of 53 to 189 points, according to their homepage.

The Credit People operates like a highly organized tactical team. Three squads directly work with the customer service. Led by certified credit experts, the Credit Repair squad challenges the CRBs and intervenes with creditors.

The Score Analysis team combs over reports, spotting potential deletions, and provides credit rebuilding guidance. At the forefront is the Support team noted for being helpful in many reviews. Additional teams include Executive, Sales, Tech, and Marketing.

The firm claims to offer the “lowest fee in the industry!” Well, they are not the cheapest monthly service, but their first work fee is indeed unbeatable. You’ll encounter their Score-Driven Results® promise. It’s their expressed desire to improve client credit scores by all possible means.

You don’t need the services of a credit repair firm! But The Credit People makes a winning argument. They ask customers to imagine that their car needs an oil change. Rather than waste the whole weekend researching the best oils and learning procedures, it’s much easier to hire a mechanic.

The Credit People is like a mechanic you can do without. But it’s better to have them. Now, their key role is to identify and dispute questionable items. They know which items are often wrongly reported. Their certified and trained experts craft dispute letters.

Within the first 60 days, The Credit People says that clients should start seeing improvements. They also publish the customer’s credit reports and scores in their online portal within the first week. And they keep updating them during the course of membership.

There are extra services, including creditor interventions, debt validation (challenging uncertain debts), and inquiry validation. They may address other things they feel could raise the client’s scores.

Benefits of The Credit People

There’s a lot to love about The Credit People. And their services are becoming popular too. In the last month, they garnered 3,409 sign-ups. Here are some of the best highlights of their service:

  • Unbeatable satisfaction guarantee® – The Credit People will refund the last month’s payment with no charge for the current month if the client is not satisfied with the services. Their 6-month guarantee covers customers who pay the one-flat-rate pricing of $419 for 6 months.
  • Unlimited disputes + more extras – At $79 per month, the firm provides unlimited disputes per billing cycle. The package has plenty of extras that we deem sufficient.
  • Personalized help from three teams: How many people will be working with one customer exactly? The number is three. But the firm lets customers choose one expert if they wish.
  • Assistance beyond credit reports: They write letters to potential employers, recommend the best debt negotiation services, and more.
  • Extensive credit educational resources: On the credit resource center, visitors will find articles and videos covering topics such as bankruptcy, credit repair, taxes, and scores.

Limitations of The Credit People

The Credit People has fewer limitations than its numerous advantages. Some aspects of the service that were not satisfactory include:

  • The lack of mobile applications: The Credit People doesn’t have mobile apps. Customers use the online portal. While apps are not necessary, it’s more convenient to receive alerts on your phone.
  • Little information about the team members: The company does little to reveal the people working on their team. There are no profiles of the founders either. The Credit People client reviews prove that clients appreciate more information and transparency.

The Credit People Complaints

For the grievances, we first checked The Credit People BBB page. They are not BBB accredited, but this is not a reflection of their service quality. The accreditation fosters trust that the company will resolve complaints amicably.

There were nine complaints closed in the last 3 years, with the most recent grievance recorded on 03/12/2021. In The Credit People Review, the customer complained about paying their monthly charge since September 2020 but not seeing any results. The client wanted to cancel and receive a full refund.

The credit people complaints

The Credit People responded by saying that their refund policy specifies that customers can cancel at any time without getting charged for the current month of service. As an additional courtesy, they also refund the last month’s payment despite two removals from the customer’s reports.

The customer was satisfied with the response. We generally noted that the company addressed complaints well. The Credit People testimonials on other review sites are highly positive.

How Much Does The Credit People Cost?

The Credit People plans include:

Monthly membership

The initial setup fee is $19, and clients will pay $79 each month. Is this affordable? Compared to other providers, it’s quite pocket-friendly. The first month’s cost is only $98. We tend to see high first month costs with similar providers, ranging from $150 to $300.

Six months membership

Why six months? It’s the average time that most people stay with credit repair companies. The firm offers a flat rate of $419 for six months (about $69 per month). A six-month satisfaction guarantee also backs it.

The credit people plans

Do they have discounts on The Credit People Monthly fee? Couples signing up together get up to $20 off on their first monthly fees.

Alternatives to The Credit People

Want to see how The Credit People stacks up to some of the best credit repair services? Here are comparisons with other top repair firms, including industry leaders: Lexington Law and Credit Saint:

Sky Blue vs. The Credit People

Sky Blue shares several similarities with The Credit People. Both services have one simple pricing package at $79/monthly. They provide similar extra services, including credit rebuilding guidance, creditor interventions, and debt validation.

Sky Blue has a clear refund policy of 90 days — and it’s condition-free. But its initial first-month fee is higher at $79. The firm limits the challenges to 15 items every 35 days. The Credit People beats this with its unlimited disputes.

Sky Blue The Credit People
Best for Money-back promise Lowest first-work fee
Credit repair experience 32 yrs (1989) 20 yrs (2001)
Guarantee 90-day money-back No charge for mid-term cancellation, *1-month courtesy refund
Pricing range $79 – one package $79 – one package
Initial work fee $79 $19
Estimated 1st-month fees top plan $158 $98
Services Limited challenges

Score analysis & monitoring

Creditor interventions

Credit rebuilding help

SOL research

Debt validation

Unlimited disputes

Score analysis & monitoring

Creditor interventions

Credit rebuilding help

Debt & inquiry validation

Mobile Applications Not available Not available

Credit Saint vs. The Credit People

The Credit People outperforms Credit Saint on many fronts. Customers can expect to save up to $217 by foregoing the most aggressive Credit Saint package at $119 per month. The firm also provides unlimited disputes.

Credit Saint has its upsides. It offers a 90-day money-back guarantee but it’s subject to strict terms.

Credit Saint The Credit People
Best for Customized arguments Lowest first-work fee
Credit repair experience 17 yrs (2004) 20 yrs (2001)
Guarantee 90-day money-back No charge for mid-term cancellation, *1-month courtesy refund
Pricing range $79.99 — $119.99 $79 – one package
Initial work fee $99 — $195 $19
Estimated 1st-month fees top plan $315 $98
Services Unlimited challenges

Score analysis

Experian monitoring

Creditor interventions

Inquiry targeting

Unlimited disputes

Score analysis & monitoring

Creditor interventions

Credit rebuilding help

Debt & inquiry validation

Mobile Applications Not available Not available

Lexington Law vs. The Credit People

Lexington Law has long been taunted as the gold standard in credit repair. But it’s quite easy to pinpoint why The Credit People may be better. They are more affordable with more years of credit experience. Customers are not charged for canceling mid-month, and the firm provides a courtesy refund of one month of service.

Lexington Law has the upper hand in technology as they provide mobile applications, personal finance tools, and ID theft protection.

Lexington Law The Credit People
Best for Lawyer-driven process Lowest first-work fee
Credit repair experience 17 yrs (2004) 20 yrs (2001)
Guarantee Not offered No charge for mid-term cancellation, *1-month courtesy refund
Pricing range $89.85 — $129.95 $79 – one package
Initial work fee $89 — $129 $19
Estimated 1st-month fees top plan $275 $98
Services Limited сhallenges

Score analysis

Inquiry targeting

TransUnion monitoring

FICO analysis

Creditor interventions

Personal finance manager tools

Identity protection & insurance

Credit score coaching

Unlimited disputes

Score analysis & monitoring

Creditor interventions

Credit rebuilding help

Debt & inquiry validation

Mobile Applications iOS & Android Not available

Is The Credit People Worth It?

The Credit People is worth the money. It has an established track record of successful removals, a great reputation, and comprehensive market experience. Many reputable websites have published The Credit People reviews. The firm personalizes its services with up to three experts serving each client.


The Credit People excels in several aspects. They have a simple to understand price package that includes unlimited disputes. The initial work fee is $19, and the cost is justifiable as they may spend this money fetching reports for analysis. That means that the free consultation is indeed free.

The firm also features past client stories and ratings. We like the website very much. It has plenty of explanations, including why it’s worth it to seek credit repair.

The firm’s main office is in Cotton Heights, Utah, and its customer number is 866-382-3410. They operate from 9 a.m. to 5 p.m. MDT.

They can remove inaccurately reported items, including collections, bankruptcies, charge-offs, or late payments. According to their FAQ page, late payments are the most commonly removed items. But items on the public record such as repossessions, foreclosures, or bankruptcies are hard to remove.

Credit repair companies cannot offer a definite timeline as each case is unique. Someone else may have more or fewer disputes. It’s hard to predict how the CRBs may react to each case. They may ask for correspondence and drag out the case. But generally, clients should start seeing results in about 60 days.

Gerald Dunigan
Gerald Dunigan

Gerald is the founder and editor-in-chief of Over 13 years of experience in credit repair companies and finance. Each text is published after its detailed proofreading