The Credit People
- Company typePrivate
- Founded2001
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
The Credit People firmographics
Firmographics- Name
- The Credit People
- Website
- https://thecreditpeople.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
The Credit People industry classification
Industry- Product category
- Credit Repair Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Repair & Credit Score Advisory (FSAEAFAD)
- akta.pro secondary industries
- Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Credit Score Monitoring & Credit Building (FSAGADAE)
Keywords
Where The Credit People is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Markets served
The Credit People business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Credit Repair Subscription Services: Monthly or flat-rate subscription-based credit repair service where customers pay recurring fees for ongoing credit improvement assistance, dispute resolution, and credit score monitoring.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Credit repair service with subscription-based pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
The Credit People product offering
Product offeringCore offering
The Credit People is a subscription-based credit repair service that obtains consumers' credit reports from all three major U.S. credit bureaus (TransUnion, Equifax, and Experian), identifies negative items, and works to dispute and remove them to raise credit scores. The service is delivered through manual dispute processes combined with a 24/7 online customer dashboard that lets clients monitor credit scores, view reports, and track dispute activity. It targets individual consumers seeking to qualify for auto loans, home loans, new credit, or refinancing.
Product overview
The Credit People offers a single unified credit repair service. The core product is their credit repair service, which accesses all three major credit bureaus (TransUnion, Equifax, and Experian), identifies negative items, and works to remove them. This is complemented by a customer-facing online dashboard that provides 24/7 access to credit reports, scores, and progress tracking. The service includes a satisfaction guarantee and promises results in under 60 days.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Repair Service
- Online Customer Dashboard A 24/7 customer-facing online portal that provides enrolled customers with access to all three credit reports and scores, real-time progress tracking, dispute activity logs, and account management tools. It is included with the Credit Repair Service subscription for individual consumers undergoing credit repair.
Quantifiable outcome
- Average estimated credit score increase of 50-100+ points
- +5 more outcomes
Companies that use The Credit People
Customer profileSegments1 record
Ideal customer profiles1 record
The Credit People technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
The Credit People partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights4 records
The Credit People competitors and assessment
Company assessmentDirect peers
- Lexington Law: One of the largest U.S. credit repair firms, offering subscription-based credit repair services across all three bureaus and using similar manual dispute workflows. Directly comparable business model, customer base, and regulatory exposure.
- Sky Blue Credit Repair: Long-standing direct-to-consumer credit repair service offering subscription-based dispute assistance across all three bureaus. Closely comparable in service scope, pricing structure, and target customer segment.
- CreditRepair.com: National subscription-based credit repair brand (part of the Progrexion network) serving consumers seeking negative-item removal and score improvement. Direct competitor in the same paid subscription repair category.
- National Credit Federation: Subscription-based credit restoration and identity-related services for consumers, comparable in product structure and customer segment to The Credit People, with similar manual dispute-driven outcomes.
- Veritas Credit Repair: Subscription credit repair service that disputes items across the three bureaus for individual consumers. Closely aligned offering and target market, serving as a like-for-like small-to-mid competitor.
Broad incumbents
- Credit Karma: Large, free consumer credit-monitoring platform (owned by Intuit) offering scores, reports, and product recommendations. Broad incumbent that overlaps with the monitoring/education side of The Credit People's value prop and is a primary free alternative for the same end-customer.
- Credit Sesame: Free credit-monitoring and financial wellness platform with premium tiers. Comparable customer base and overlaps on credit education and monitoring, competing for the same wallet even though it does not perform manual disputes.
- myFICO: FICO's consumer-facing subscription product offering official FICO scores, monitoring, and identity-related services from the score provider itself. A broad incumbent that monetizes the same credit-monitoring use case at a national scale.
Emerging players
- Experian Boost: Free Experian-offered feature that boosts scores using utility and telecom payment data. A bureau-led initiative that partially addresses the score-improvement need The Credit People solves, reducing demand for paid repair in a specific subset of cases.
- ScoreSense: Subscription credit-monitoring and identity-theft product from ConsumerInfo.com (an Experian company). Adjacent competitor offering monitoring plus education, frequently positioned as an alternative or complement to paid credit repair services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
The Credit People social profiles
Digital presenceThe Credit People financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Credit People leadership team
Management profileNumber of profiles
Profiles2 records
The Credit People funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Credit People M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Credit People
What does The Credit People do?
The Credit People is a subscription-based credit repair service that obtains consumers' credit reports from all three major U.S. credit bureaus (TransUnion, Equifax, and Experian), identifies negative items, and works to dispute and remove them to raise credit scores. The service is delivered through manual dispute processes combined with a 24/7 online customer dashboard that lets clients monitor credit scores, view reports, and track dispute activity. It targets individual consumers seeking to qualify for auto loans, home loans, new credit, or refinancing.
Is The Credit People a public or private company?
The Credit People is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was The Credit People founded?
The Credit People was founded in 2001. It employs 11 to 50 people.
Where is The Credit People based?
The Credit People is headquartered in Salt Lake City, United States, in the North America region.
How does The Credit People make money?
One revenue line is on record: credit Repair Subscription Services.
Who are The Credit People's main competitors?
Direct peers on record are Lexington Law, Sky Blue Credit Repair, CreditRepair.com, National Credit Federation and Veritas Credit Repair. Broad incumbents are Credit Karma, Credit Sesame and myFICO. Emerging players are Experian Boost and ScoreSense.
Does The Credit People have an API?
No public API is recorded for The Credit People.
What industry is The Credit People in?
The Credit People's product category is Credit Repair Services. Its primary akta.pro industry code is FSAEAFAD, Credit Repair & Credit Score Advisory, with a secondary code of FSAKAKAI, Credit File Dispute Management & Consumer Data Remediation. Its NAICS code is 5223 and its SIC code is 7320.