The Credit People is a credit repair company: it pulls your three reports, disputes items with the bureaus, and contacts creditors for you, month to month. 850ai is software you operate. It reads your Equifax, Experian, and TransUnion files, drafts a letter for each item, and mails it by USPS First Class after you approve it.
Short answer
Side-by-side (verified October 20, 2026)
| Question | The Credit People | 850ai |
|---|---|---|
| What it is | Credit repair company | Consumer-operated dispute software |
| Price | Standard $99/mo · Premium $119/mo · Premium Flat Rate $599 for 6 months | Send $59.99/mo · Auto $99.99/mo · AutoMax $199.99/mo |
| Bureaus | Equifax, Experian, and TransUnion, with reports and scores refreshed monthly | Equifax, Experian, and TransUnion |
| Who sends the disputes | The Credit People’s team, with unlimited challenges | You, after you review the letter. Auto sends each round for you after a 24-hour review window. |
| Beyond the bureaus | Creditor interventions, plus validation requests for unresolved items | Creditor and collector letters (Auto), and a CFPB complaint for every account (AutoMax) |
| What you see | An online dashboard of their progress | Every draft, every edit, and every mailing |
| Guarantee | “Satisfaction guarantee” (see its site for terms) | Auto and AutoMax keep working free if there is no qualifying result by the third monthly update and every condition is met; no result or score promise |
When The Credit People makes more sense
- You want a company to do the work and you would rather not review each letter.
- You have a lot to dispute and like the idea of one flat price for six months.
- You want to talk the plan through on the phone before you start.
When 850ai makes more sense
- You want to read and approve every letter, and keep a copy of what was mailed.
- You want a lower monthly entry price: Send is $59.99 with mailing included.
- You want a CFPB complaint filed for every account when companies do not fix the error (AutoMax).
Weighing a company against software in general? Read AI credit repair vs traditional companies, or compare 850ai vs Credit Saint and 850ai vs Lexington Law.
What neither can do
No company or software can lawfully remove accurate, timely, verifiable information. Both rely on rights you already have: a bureau must investigate a dispute, usually within 30 days, and delete what it cannot verify. You can start free with the free dispute letter builder and file a free CFPB complaint.
Educational only