The Credit People Review

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The importance of regularly checking your credit reports for errors cannot be stressed enough. Fortunately, there are companies like The Credit People that make this process quick and easy.


The Credit People is an organization of professionals that are dedicated to helping people improve their credit report. The company was founded by Mr. Scott Elhenicky in 2001 and is based in Orlando, Florida.

They work with people all across the United States to help address errors in their credit reports. To date, they have helped over 100,000 customers improve their credit scores and has processed over 310,000 credit reports.

How Does The Credit People Work?

The Credit People makes the process of getting your credit reports and analyzing them for errors simple. The initial signup process can be completed either online or by calling their customer service to set up an account.

After signup, you will receive access to your online account where your credit scores are shown. The account is usually available within 48 hours after signup. They include scores from all three credit reporting bureaus.

After your online account is created, a dedicated credit expert begins work examining your credit reports. They look for things like outdated information, incorrect demographics, other erroneous information.

Once the incorrect information has been identified, they begin working with your creditors to have it removed. Clients begin seeing improvements in less than 60 days. Customer service is available to answer any questions you may have during this process.

Once your credit report has been corrected, they give each client a future plan that is designed to continue improving their credit report. This helps to ensure your credit score will continue improving even after your service ends.


The Credit People has many unique benefits that make them an excellent choice for those seeking a reputable credit repair company. For one, they offer access to all three credit bureau reports and scores without any additional fees.
In addition to offering all three scores and reports, The Credit People sets each customer up with their own online account. This feature provides an excellent way to monitor your score’s changes while The Credit People is hard at work cleaning up your report.

If you have any questions along the way, reaching out to customer service or your credit repair team is easy. You have the option to call or email them. This flexibility is great for those who have busy schedules or do shift work.

The best feature The Credit People offers is their guarantee. They want their customers to be satisfied with their service and guarantee that they will see an improvement in their credit reports. If you are ever not satisfied, they will work with you to fix the issue or refund your money. This provides a great sense of trust knowing that The Credit People stands by their services.


The Credit People offers very competitive and transparent pricing. They do not charge additional fees like many other providers for things like credit reports, account creation, and more. This provides a great benefit to consumers.

Customers can sign up for seven-day access for only $19. This allows you to try out the services and receive access to all three credit bureau reports. The Credit People begins analyzing your credit reports to offer ways to improve your score.

For continued service, The Credit People has two pricing options. The first is monthly membership pricing. The cost of this package is $59 and it includes all the features available with the service. You receive access to a team of credit professionals and continued access to all three of your scores.

The second pricing option is their flat-rate plan. This plan cost $299 and gives you six months of access to their service. Like their other options, you receive access to all available features with this package.

The length of time it takes to repair your credit report varies from person to person. Results are seen in as little as 60 days. However, more involved credit reports can take anywhere from six to seven months to correct. These factors will determine which price option is best for you.

When To Hire The Credit People

Hiring a credit repair company can be one of the best financial decisions you can make. Navigating credit reports can be a difficult and cumbersome process due to the many unique laws that govern what can and cannot be listed in your credit profile.

For instance, most negative inquiries can remain on your credit report for seven years. Bankruptcies can show for up to ten years. However, it is not uncommon for these types of entries to persists past their allowed periods.

This can lead to credit scores that are much lower than they should be. This can result in higher interest rates, loan denials, and higher housing deposits. Hiring a reputable credit repair company like The Credit People is one of the first steps to getting these types of entries removed.

Below are the main things The Credit People can help correct or remove from your credit report.

  • Invalid demographic information
  • Outdated bankruptcy entries
  • Late payments
  • Unauthorized inquiries
  • Remove closed accounts
  • Check for false accounts
  • Aged negative reporting inquiries
  • Foreclosure listings


The Credit People stands by their work and offers a comprehensive guarantee on their services. The guarantee promises the customers will be satisfied with their services at any time or they will receive a full refund of their membership fees.

The guarantee covers the introductory pricing, monthly payment plans, and the flat-rate plans. If you are not satisfied with your service, The Credit People will work with you to make it right or offer you a full refund of your membership dues.

Customer Service

The customer service experience is very pleasant at The Credit People. Their service is courteous, professional, and prompt. Online account access makes reviewing and monitoring your account very easy and carefree.

For those times when you need to reach a representative, you have several different contact options. You can reach customer service via telephone and email. This makes the process both simple and convenient.

The credit specialist team is equally polite and seems to be very well trained. They are available to speak via telephone and email as well if you have any credit report questions.

Business Rating

The Credit People is not an accredited Better Business Bureau business. However, it does have a three-star composite score on the BBB website. In addition, they have received high scores on several different credit repair company comparison sites.


The Credit People has several things that make it a great choice compared to other credit repair companies. This section will cover some of the areas where The Credit People stands out the most.

Transparent Pricing
The Credit People has pricing that is extremely easy to understand. They do not charge additional fees for things like credit reports and account creation. This is an excellent benefit to customers.

Backed By A Guarantee
The guarantee offered by The Credit People is a testament to their commitment to delivering exceptional service. This provides great peace of mind to customers.

No Contracts
The company does not require any type of contract or commitments with its monthly payment plan. It also does not charge in advance. This makes it a great choice for those wanting to try the service out for a few months at a time.

24/7 Account Access
After creation, you have access to your account 24/7. This is great for clients who want to actively monitor their credit reports and see their scores improve while using their service.

All Three Credit Bureaus
Unlike many other competitors, all three credit bureau scores are provided to customers. This feature makes it easier to spot inaccuracies and provides a more thorough review.

Sets Customers Up To Succeed
The Credit People want their customers to succeed. They provide guidance to further improve your score to use when your service is up. This is a great long-term benefit for clients who want to continue making positive changes.


The Credit People does fall short in one key area. The company is not accredited with the Better Business Bureau. However, they do currently have a three-star composite score on the Better Business Bureau website.

The company did have one negative review on the website that was in relation to a membership refund. However, it appears that the issue was resolved by The Credit People shown here. Hopefully, the company will acquire BBB accreditation in the near future.


The Credit People does not offer any facts or figures as to the average amount that credit scores go up on their website. This is due to the unique nature of each and every credit report. The success rate of removing entries varies based on the type.

For instance, their website mentions that late payments are among the easiest negative elements to remove. They can also regularly remove accounts that were closed by the consumer that the creditor left opened.

However, things like bankruptcies and foreclosures can prove much more difficult to remove. It all depends on the type of credit entry and how much time has passed. The Credit People works with clients to remove as many negative elements as possible.

They do offer several different testimonials from customers who have been very pleased with their service. The testimonials cover customers in a broad range of situations. Most seem to be very happy with the service they received and have improved their credit scores as a result.

It is important to remember that each person’s credit report and situation are different. As such, the potential results you will see are very different. The key thing to remember is that The Credit People work with you to remove as much negative information as legally possible.


The Credit People is a reputable credit repair company with transparent pricing. They offer all three scores at no additional costs. They also have an impressive guarantee on their products and services. This commitment makes The Credit People an excellent choice for those seeking credit repair.

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