Disclosure: CreditRepairCompared.com may earn a commission if you enroll through links on this page, including our link to CreditFirm.net. This does not affect our editorial judgment.
CreditFirm and The Credit People both sell unlimited dispute work, but they price it in opposite ways. CreditFirm charges one flat monthly fee, no tiers, no upfront fee. The Credit People charges a tiered monthly fee, plus a six-month flat-rate option that caps the total if you stay the full term.
This comparison uses the same framework as our other reviews: pricing, contract terms, guarantees, scope of services, and a verdict. No score-increase promises anywhere, because no legitimate company can make them.
The short version
| CreditFirm | The Credit People | |
|---|---|---|
| Repair-plan monthly fee | $49.99 (individual) / $89.99 (couples) | $99 (Standard) / $119 (Premium) |
| Six-month flat-rate option | None; monthly only | $599 for six months of Premium |
| Upfront or first work fee | None | None listed on its current pricing page (see note below) |
| Illustrative 6-month total (one person) | $299.94 | $594 (Standard) / $714 (Premium monthly) / $599 (Premium flat rate) |
| Cancellation | Cancel anytime, no cancellation fee | Cancel anytime; monthly plans carry no charge for the month you cancel, per published summaries |
| Availability | All 50 states | No unavailable-states list was shown on the pricing, FAQ, or Terms pages checked Oct 26, 2026; confirm availability for your state before enrolling |
The 6-month totals are illustrative: they assume the monthly fee is charged every month, no discounts or refunds, and, for the flat rate, one $599 payment covering six months. Confirm current pricing on each company’s site and in your contract before enrolling.
Pricing
CreditFirm keeps it to one price: $49.99 per month for an individual, $89.99 per month for a couple, which saves roughly $10 a month versus two individual plans. There is no first work fee, no setup fee, no consultation fee, no credit-report fee, and no cancellation fee. The company’s own FAQ states the price plainly and adds that all fees are charged in arrears for services rendered, never in advance (CreditFirm FAQ).
The Credit People offers three ways to pay for what is essentially two service levels:
- Standard: $99/month. Unlimited disputes with all three bureaus, plus before-and-after credit scores.
- Premium: $119/month. Everything in Standard, plus monthly three-bureau credit reports and scores, creditor interventions, and escalated disputes and validations.
- Premium Flat Rate: $599 for six months. The same Premium service, paid once instead of monthly.
The flat rate is the interesting number in this comparison. Six months of Premium at the monthly rate costs $714, so the flat rate saves $115 if you would have stayed on Premium for the full six months anyway. It costs $299.06 more than six months of CreditFirm, and it costs $5 more than six months of The Credit People’s own Standard plan, so it only makes sense if you actually want the Premium features and expect a long dispute process.
One pricing note to check before you sign: older reviews of The Credit People cite a $19 setup fee, but a read of the company’s own pricing page on Oct 26, 2026 showed no separate setup or first-work fee, and its FAQ cost answer likewise describes starting at $99 a month for Standard. That older $19 figure does not appear on the current pricing page. Confirm the first month’s total in writing, in your contract, before paying anything, and do not rely on a review, including this one, for the amount that will be charged to your card.
Couples get one more discount worth knowing: if your spouse signs up after you complete your order, or within three days following it, each of you gets $20 off your first payment. That additional discount is not available on flat-fee pricing.
Contract terms
Federal law sets the floor for both companies. Before doing any work, a credit repair company must give you a written contract explaining your legal rights, including your three-day right to cancel without charge, and the total cost of services. It is illegal for a credit repair company to charge you before it helps you (FTC).
Within that framework, the terms differ in a way that matters for the flat rate:
- CreditFirm charges in arrears, per its FAQ, which is the Credit Repair Organizations Act model: no payment before services are performed. You pay month by month and can stop at any time.
- The Credit People bills its monthly plans month by month and lets you cancel at any time, with published summaries stating there is no charge for the month you cancel. The flat rate, by contrast, is paid upfront for six months. Ask, in writing, what happens to the unused balance if you leave early, and how a refund is calculated, before choosing the flat rate. An upfront payment for months of work not yet performed is the part of this deal that deserves the closest reading.
Guarantees
Neither company promises a specific outcome, and neither legally could. The FTC is explicit that no company can remove negative information that is accurate and up to date (FTC).
- CreditFirm’s own FAQ says it directly: “It is important to understand that legal services are not guaranteed… A credit repair company cannot guarantee that a creditor, third party data furnisher or credit bureau will find in your favor.” (CreditFirm FAQ)
- The Credit People advertises an “Unbeatable Satisfaction Guarantee,” with the pricing page itself giving no detailed terms. Its FAQ fills in the mechanics: on a month-by-month plan you can cancel at any time and will not be charged for that month of service, and on flat-fee pricing you have a full six-month satisfaction guarantee. What the FAQ does not spell out is the refund amount on a flat-fee cancellation, so get that figure in writing before choosing the flat rate, and do not treat an advertised guarantee as a refund promise until you have read what triggers it.
A guarantee that is not written down in your contract is a marketing claim, not a protection. That applies to both companies, and it applies most to the flat-rate plan, where the most money is at stake upfront.
Scope of services
CreditFirm is a repair-only service with one plan. For the monthly fee you get unlimited challenges across every category: credit bureau disputes, procedural compliance verification, inquiry challenges, personal-information variation challenges, goodwill interventions, debt validation, and escalated information requests. It also includes a personal credit consultant, an online portal, and a legal in-depth credit audit. The company was founded by attorneys specializing in consumer credit and FCRA work and has been operating since 1997.
The Credit People is also dispute-focused, without the broader financial-services bundle some competitors sell. All plans include unlimited disputes with Equifax, Experian, and TransUnion. Premium adds the monthly three-bureau reports and scores, creditor interventions, and escalated disputes and validations after each cycle. What it does not do, unlike some larger competitors, is bundle credit monitoring, budgeting tools, or a credit-builder tradeline into the price. If you want those, you will buy them elsewhere.
The practical difference is not the dispute work itself. Both companies will challenge items at all three bureaus without a per-cycle cap. The difference is how you pay for it: one flat price with no tiers to decode, versus a choice between a cheaper tier, a richer tier, and a prepaid six-month version of the richer tier.
Verdict
Choose CreditFirm if your goal is dispute-driven credit repair at the lowest verified price in this pairing. One flat fee, no upfront cost, unlimited challenges, and a company that charges in arrears under the CROA model. Six months costs $299.94, roughly half the cost of The Credit People’s Standard plan and less than half the Premium monthly plan.
Choose The Credit People if you want the Premium tier’s creditor interventions and escalated disputes, and you expect the process to take the full six months, in which case the $599 flat rate caps your total and saves $115 versus paying Premium monthly. Confirm the setup fee, the flat-rate refund terms, and availability in your state in writing first, because those are the three points where published sources disagree or go silent.
For most people comparing these two on repair alone, the math is hard to argue with: $299.94 versus $594 at minimum over six months for the same category of work. The Credit People justifies its premium only if you will actually use the Premium features, or if the flat rate’s fixed total is worth paying upfront for budget certainty.
One last reminder that applies to every company in this space: anything a credit repair company can legally do, you can do yourself for little or no cost, starting with your free reports at AnnualCreditReport.com. Hiring a service buys you paperwork handling, follow-up, and consistency, not a different set of rights.
Frequently asked questions
Which is cheaper, CreditFirm or The Credit People?
CreditFirm, by a wide margin. Six months of CreditFirm’s individual plan costs $299.94 with no upfront fee. Six months of The Credit People’s Standard plan costs $594, Premium costs $714 monthly, and the Premium flat rate costs $599. These are illustrative totals; confirm current pricing before enrolling.
Does The Credit People charge a setup fee?
Older reviews cite $19, but October 2026 checks of the company’s own pricing page list no setup fee. Confirm the first month’s total in your contract before paying.
Is the $599 flat rate a good deal?
Only if you want Premium service and expect to stay six months. It saves $115 versus six months of Premium at $119 a month, but it costs more than six months of Standard ($594) and about double CreditFirm ($299.94). Ask what refund you get if you leave early.
Can I cancel either service?
Both companies say you can cancel at any time. CreditFirm charges no cancellation fee. Federal law also gives you a three-day right to cancel the contract without charge (FTC).
Will either company guarantee a score increase?
No. No legitimate company can guarantee that a creditor, furnisher, or bureau will rule in your favor, and no one can legally remove accurate negative information. Treat any such promise as a red flag.
What does The Credit People’s satisfaction guarantee cover?
That is not fully spelled out on its pricing page. Published summaries describe a prior-month refund on monthly plans and a six-month guarantee on the flat rate, with refund amounts unpublished. Get the terms in writing before enrolling.