The Credit People Review
The cheapest way into professional credit repair: $99/mo pay-as-you-go, unlimited disputes, and a flat-rate prepay option.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
The Credit People has the lowest entry cost in professional credit repair, at $99 a month or $599 flat for 6 months, with unlimited three-bureau disputes on every plan. Public ratings are weak on both BBB and Trustpilot, and pricing differs across its own pages. Confirm the price at signup and keep a copy.
Skip it if you need goodwill or cease-and-desist letters, or if strong public ratings matter to you.
About The Credit People
The cheapest way into professional credit repair: $99/mo pay-as-you-go, unlimited disputes, and a flat-rate prepay option. The Credit People is offered by The Credit People, LLC. Our editorial rating is 3.5 out of 5.
Best for: Budget-first users who mainly need dispute volume.
Editorial grade: B- (composite score 69/100).
Highlights
- Pay-as-you-go from $99/mo with a satisfaction guarantee
- Unlimited three-bureau disputes on every plan
- $599 flat-rate 6-month prepay caps your total cost
What we like
- Lowest entry cost and a 60-day satisfaction guarantee
- Unlimited disputes even on the cheapest tier
- Operating since 2001; claims 1.5M+ negative items removed
Where it falls short
- Weak public ratings: BBB C+ (not accredited), poor Trustpilot scores on a small base
- No goodwill-letter or cease-and-desist services
- Pricing shown inconsistently across its own pages; confirm at signup
Fees, minimums, and rates
Monthly fee: $99-$119/mo (or $599 flat 6-month). Minimum to open: $0. Rates and fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with The Credit People, LLC. It is built from The Credit People, LLC's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Credit Repair shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.