The Credit People Review

Company Overview

The Credit People has been operating since 2001, originally under the name DSI Solutions. It's headquartered in Cottonwood Heights, Utah, with additional locations in Salt Lake County and Orlando, Florida. It's a full-service credit repair company built around a simple pitch: unlimited disputes at a flat rate, with a flat six-month option if you'd rather not commit to open-ended monthly billing.

How It Works

You start with a free consultation and credit report pull. If you sign up, The Credit People's team sends disputes to all three credit bureaus on your behalf and tracks the responses. You get 24/7 access to an online account to check status.

Services and Plans

The Credit People keeps things simpler than most competitors: two ways to pay, not a stack of feature tiers.

Standard — unlimited disputes with all three bureaus, before-and-after credit scores, no long-term commitment.

Premium — everything in Standard, plus monthly credit score updates and creditor interventions.

Premium Flat Rate — the Premium plan's features, paid as a single six-month payment instead of monthly billing.

Pricing and True Cost

A few things worth knowing about how this actually plays out:

• No setup fee on the monthly plans.
• The Premium Flat Rate option is the best value on paper if you're confident you'll stay the full six months, since it works out to roughly $100 a month instead of $119.
• Historical pricing for this company has been lower than what's listed above in some older reviews we found, so treat the numbers here as current but confirm directly on the company's site before you commit, since pricing has moved over time.

Credit Reports and Monitoring

Standard includes before-and-after score tracking. Premium adds monthly score updates, giving you more frequent visibility into how disputes are affecting your numbers.

Dispute Process

The Credit People's process is straightforward: unlimited disputes go out to all three bureaus on the Standard plan, with creditor interventions added on Premium. The company doesn't publish dispute letter samples, so we can't independently confirm how personalized versus templated the letters are.

Compliance and Transparency

This is the section where we want to be direct with you, because what we found doesn't match what a lot of other review sites report. We checked The Credit People's Better Business Bureau profile directly, rather than relying on secondary sources, and found the company is currently NOT BBB accredited, with a 1.9 out of 5 average across 20 customer reviews on BBB's own site. Several other review sites report an "A+" BBB rating for this company. Based on our direct check, that appears to be outdated or simply incorrect. We'd encourage you to look up the current BBB profile yourself before making a decision, rather than trusting any single source, including this one, at face value.

To be fair to the company: its responses to complaints on BBB are detailed and specific, addressing individual account histories rather than offering generic replies. That's worth something, even alongside a low review average.

Reputation

Beyond the BBB finding above, reviews are genuinely mixed. Several detailed complaints describe paying for months with no dispute proof provided, and one describes a representative giving inaccurate information about credit bureaus' legal obligation to respond to disputes, a claim the company didn't clearly correct in its reply. Alongside those, there are real five-star accounts of meaningful score improvement and positive experiences with individual representatives.

Common Complaints

The clearest pattern in the complaints we reviewed: customers wanting proof of dispute activity, like copies of letters sent or bureau responses, and feeling like they didn't get it when they asked. If you sign up with The Credit People, we'd suggest asking directly, up front, how you'll be able to verify dispute activity as it happens, rather than waiting to see results before checking.

Cancellation and Refunds

Monthly plans can be canceled at any time without a fee for future months. The flat-rate plan is a six-month commitment paid up front, so cancellation partway through works differently. Confirm the flat-rate refund policy specifically before choosing that option, since a prepaid plan carries more risk if you're not satisfied early on.

Strengths and Trade-Offs

Where it holds up: Genuinely simple pricing, unlimited disputes without a confusing tier structure, and a flat-rate option that can save money if you commit to the full term. Company responses to BBB complaints are specific and detailed rather than generic.

Where to go in with eyes open: The BBB accreditation and review-score picture here is materially worse than what several other review sites report, which is exactly why we'd tell you to check it directly yourself rather than take any one source's word for it, ours included. Some customers report difficulty getting proof of dispute work. And the flat-rate plan locks in six months of payment up front.

Who Might Consider This

The Credit People could be worth considering if simple, flat pricing appeals to you more than a tiered structure, and you're comfortable asking upfront, specific questions about how dispute proof and progress updates work before you commit.

Who Probably Doesn't Need This

You may not need The Credit People, or any credit repair company, if:

• The items on your report are accurate but unflattering. No company can legally remove those, regardless of price.
• You have a handful of clear errors and are comfortable handling them yourself. See our guide on disputing credit report errors yourself.
• You want a company with a strong, independently verifiable BBB standing specifically. Based on our direct check, this isn't that company right now.

Alternatives

• CreditFirm.net, which also offers a simple, flat monthly structure, but with unlimited disputes as a standard feature at every tier rather than gated behind a Premium upgrade.
• DIY disputes, especially for a small number of straightforward errors. Our guide to what credit repair actually is can help you decide.
• Nonprofit credit counseling, if the real issue is debt load rather than report accuracy.

Our Research Methodology

ReliefGuardian's credit repair coverage is a research effort, not a ranking. We don't score companies against each other on a single scale, and we don't publish a "best of" list in this category. Instead, we research each company against the same published checklist, pricing, true cost, compliance history, dispute methodology, reputation across multiple platforms, cancellation and refund terms, and tell you plainly what we found, including where our findings differ from what other sources report.

Every company is evaluated using the same methodology, whether or not ReliefGuardian has an affiliate relationship with them. That relationship, where one exists, is disclosed at the top of this page and never factors into our findings.

Information on this page reflects our research as of the "Last Verified" date above. Pricing, availability, and company policies change. Whenever possible, we link directly to the original source, including a company's live BBB profile, so you can confirm current details yourself.