The Credit People review

The Credit People sells one service at two monthly price points and one fixed price. Standard costs $99 a month and Premium, which the company calls its most advanced plan, costs $119. Both are pay as you go, and you can stop whenever you are happy with your credit. Premium Flat Rate costs $599 for 6 months and is aimed at people who dislike monthly fees and have a lot of work needed. The service disputes with all three credit reporting agencies without a set limit, shows all three scores at the start and refreshes them monthly, and sends escalated disputes and validation requests for items that survive a dispute cycle. Creditor interventions are included for problems the bureaus will not fix. The company says 1,493,678 credit issues have been removed for its customers. The main gap is that the pricing page lists the same feature set for both monthly plans without explaining the Premium difference, so ask before choosing.

Who it is for

people with many items who want a fixed total price

Price

Standard $99 per month, Premium $119 per month, or Premium Flat Rate $599 for 6 months.

Standard Pay as you go, satisfaction guaranteed. $99 month
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Unlimited challenges with all three credit reporting agencies
• All three reports and scores refreshed monthly
• Escalated disputes and validation requests after each dispute cycle
• Creditor interventions for issues the bureaus do not resolve
• Premium Flat Rate covers 6 months for $599

Strengths and weaknesses

• Strength: $599 flat rate works out to under $100 a month for 6 months
• Strength: Monthly plans can be stopped at any time
• Strength: Shows before and after scores from all three bureaus
• Weakness: Cheapest monthly plan is $99, twice Credit Firm's price
• Weakness: Pricing page does not spell out what Premium adds over Standard
• Weakness: No couples pricing listed

Key facts

• Cheapest plan: Standard, $99 per month
• Flat-rate option: $599 for 6 months
• Bureaus: Equifax, Experian, TransUnion
• Contract: Pay as you go, stop any time

Where it ranks

The Credit People is No. 2 in our Best Credit Repair Companies verdict.