You have questions, we've got answers!
Frequently Asked Questions:
Only $79 a month:
Get your service started today for just $19. You’ll get a welcome call, have your own secure account set up online for you to view our progress. You'll see your credit reports and scores after you sign up and log into your account--and we'll get to work right away for you. After the first 7 days, if you like the service and want to continue, you'll be charged $79.
We stand behind our work, and that’s why over 100,000 people have trusted us to repair their credit in the first place. We've made our service risk-free. We completely guarantee your satisfaction by allowing you to cancel any time and not only not charge you for that month, but refund your last month as well. When you're paying month by month as you go, you're assured that you'll never pay for anything that you aren't happy with. You can cancel at any time and you will not be charged for that month of service. If you chose our flat-fee pricing, you have a full six-month satisfaction guarantee. Our goal is to make you one of our thousands of satisfied customers and we're willing to go the extra mile for it. That’s our promise to you.
Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see credit responses within the first 45-60 days.
The Credit People® work on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.
It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person's credit may or may not improve the score as much as another's. The “average”, we've found, never applies. We've seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone's results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.
You bet. Sign up your spouse after you complete your order, or up to three days following your order, and you'll receive $20 off each of your first payments. Simply sign yourself up first and you'll be able to sign up your spouse right after you complete your order. (addtional discount not available for flat-fee pricing)
- You'll receive a welcome email and phone call from The Credit People®.
- We'll provide you with access to your online account so you can keep track of our progress on your credit repair
- You'll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies)
- You'll start seeing credit improvements in less than 60 days
- Your credit report and score improvements will progress throughout the duration of your service (you'll watch it all happen through your online account).
- At the end, you will visibly see your credit report, turn into a better credit report. The Credit People will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.
Yes, we will post your credit and scores inside your online account!
Within the first week, we will post your credit and scores inside your online account.
Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We'll also point out important progress made within your client account which you'll have online access to.
You should receive your reports from the credit reporting agencies within 60 days of signing up.
We review your credit report and see what's bad and what could be better.
We get right to work on both -- disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.
Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted -- specifically the Fair Credit Reporting Act (FCRA) -- to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted.
Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 and the Cares Act may be utilized primarily in situations where identity theft is concerned.
Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.
Unfortunately, the credit reporting system just doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. The credit reporting agencies will update the account to indicate that it's paid, but the negative history will remain. That's where our dispute process can help.
A better question would most likely be "what items cannot be removed". We can remove everything you can imagine. Here is a list of some:
- Late Payments
- Charge Offs
- Personal Identification changed or corrected
- Closed Accounts
- Negative Settlements
Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late. We see more late payments being removed than any other negative item.
You bet! We have had tremendous success challenging collections and removing them from your credit report.
Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won't take.
Yes, foreclosures can be removed. Although they are very difficult, we again take every step possible to do so. Keep in mind that all public records remain "public records" however.
We generally tell our clients they shouldn't expect their bankruptcy to be removed. Bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old. Our service has been known to remove them with an impressive success rate with past customers.
Late payments on student loans can be removed, although student loan debt cannot be settled.
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.