The Credit People

Passed every point (9/9) as of 24 September 2026.

Checks confirmed: 9/9
Verified: 24 September 2026
Next check: 24 March 2027
Category: credit repair

Key findings

Standard plan $99/month plus a $19 one-time setup fee (logged separately as the small day-one ancillary fee, not folded into the main-fee check); Premium plan $119/month; a Premium flat-rate option at $599 for 6 months.
Satisfaction-only refund type (the most defensible under our standard), independently corroborated as an 'Unbeatable Satisfaction Guarantee': a 60-day money-back guarantee on monthly plans (cancel any time, current + prior month refunded) and a 6-month guarantee on the flat-rate plan.
No FTC, CFPB, or state-AG action identified against The Credit People, Inc.
Published, flat pricing across all three plans (Standard, Premium, Premium flat-rate); not 'call for pricing.'
Client portal discloses per-bureau (Equifax/Experian/TransUnion) dispute status and progress; unlimited disputes offered on paid plans.
Real named entity, The Credit People, Inc., founded 2001, primary address 6975 S Union Park Ctr Ste 600, Cottonwood Heights, UT 84047.

Check overview

Every point on our standard, checked individually — not one blended score.

Advance Feespass
Guaranteed Resultspass
CFPB Complaintsunknown
Enforcement Historypass
Fee Schedulepass
State Registrationother
Dispute Transparencypass
Named Company Ownershippass
Cancellation Rightsunknown

Read the full explanation for each point

Advance Feespass
Standard plan $99/month plus a $19 one-time setup fee (logged separately as the small day-one ancillary fee, not folded into the main-fee check); Premium plan $119/month; a Premium flat-rate option at $599 for 6 months.
Guaranteed Resultspass
Satisfaction-only refund type (the most defensible under our standard), independently corroborated as an 'Unbeatable Satisfaction Guarantee': a 60-day money-back guarantee on monthly plans (cancel any time, current + prior month refunded) and a 6-month guarantee on the flat-rate plan.
CFPB Complaintsunknown
Not independently pulled from the CFPB Consumer Complaint Database this round (direct database access was unavailable); no CFPB enforcement action was identified in our research either way.
Enforcement Historypass
No FTC, CFPB, or state-AG action identified against The Credit People, Inc.
Fee Schedulepass
Published, flat pricing across all three plans (Standard, Premium, Premium flat-rate); not 'call for pricing.'
State Registrationother
Utah Code §13-21-3.5 (CSO registration/suspension) and §13-21-4 (bond/letter-of-credit/CD requirement, $100,000) independently verified as real and correctly cited by a genuinely separate verifier via Justia's hosted official Utah Code text and the Utah Division of Consumer Protection's own pages, with the $100,000 figure cross-confirmed against multiple surety-bond-industry sources.
Dispute Transparencypass
Client portal discloses per-bureau (Equifax/Experian/TransUnion) dispute status and progress; unlimited disputes offered on paid plans.
Named Company Ownershippass
Real named entity, The Credit People, Inc., founded 2001, primary address 6975 S Union Park Ctr Ste 600, Cottonwood Heights, UT 84047.
Cancellation Rightsunknown
CROA's federally-mandated 3-business-day right to cancel (15 U.S.C.

How this was verified

Checked against our published standard — the exact sources each point is checked against are listed in our methodology, never this company's own marketing.

Corrections & disputes

Think something here is wrong or out of date? Report it — we commit to reviewing every dispute within 5 business days. Any past correction to this Register is logged publicly in the Corrections section.