You have questions, we've got answers!
Frequently Asked Questions:
Try out the service for the next 7 days for just $19. If you like the service, continue for just $59 a month. Pay as you go, cancel anytime. It’s just another way we try to keep it simple for you, and your satisfaction is completely guaranteed. No hidden fees or extra costs, we take care of everything. Just the best results possible – on a month by month basis. We keep it simple®.
Don't like monthly fees? Sign up for a complete six-month credit repair program for just $299. Your satisfaction is completely guaranteed. No hidden fees or extra costs, we take care of everything. Just the best results possible – without monthly fees. We keep it simple®.
What's the difference?
You'll receive the same great service and results with either option. The average credit repair program is a 6-7 month process with initial results within 30-60 days...If you have more than just a few negative items on your credit, take advantage of the most affordable credit repair program available anywhere; our "flat-rate" program.
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. 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 results within the first 45-60 days.
The Credit People® will take every action-step possible to ensure that you receive the best results possible. Our goal is to improve both your credit report and credit score until you are satisfied. 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.
- You'll receive a welcome email and phone call from The Credit People®.
- We'll provide you with a special secure 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 45 days
- Your credit report improvements will progress each month you're with us (you'll watch it all happen through your online account).
- You will visibly see your credit report, turn into a better credit report. We will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.
Within 48 hours, 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.
There will be a team working on your credit (usually three), and generally we have all of our clients supported by our entire team. However, if you want one person we can provide that as well. It's your choice.
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 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. If you can afford to pay off your debts, we would always advise you to however.
A better question would most likely be "what item 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.
Yes, we can also recommend a great debt negotiation service that can have your collections and other outstanding debts negotiated in most instances by 50%!
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.
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 30% 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.