Bad credit can keep you up at night – when it comes to financing, your credit score is one of the most important things – and bad credit history can leave you feeling optionless.
You never know when an expense is going to come up – at any point, you may need a loan – and you want to take advantage of the best interest rates out there.
However, a poor credit score will leave you with fewer and less appealing options – but thankfully, your credit score can be repaired.
Hiring a professional service is a sure way to get results, and it’ll save you time and effort chasing responses and reviewing data.
The Credit People is one of the best credit repair companies out there – keep reading to find out more about them and how they can help you. You can also check out this info packed article here – https://www.crediful.com/the-credit-people/.
Pros
More affordable than its competitors
Free phone consultation
Results or your money back!
Couples discount
Close to 20 years of experience
Cons
Set up fee as well as monthly payments
How Do I Get Started?
It’s super easy to get started with The Credit People. First of all, you need to pay the startup fee of $19 and set up your account.
The Credit People will then acquire your credit reports and scores, and load them into your online portal. The information in your credit report will be reviewed, and they’ll create a personalized strategy specific to you and your credit history – which is the best and most effective approach for sure.
You’ll receive your login details, and with your login, you’ll be able to view your credit reports and information from all 3 bureaus. This is great if you prefer a more hands-on approach, as you have more say in what happens and what to dispute than you would with other credit repair companies.
How Can The Credit People Help Me
The Credit People will view your credit reports and analyze each and every item to make sure it’s fair and factual. They’ll do all the communicating for you, which is certain to save hours of waiting on hold and posting letters.
The time frames can vary depending on the number of negative items on your credit report, and how quick the bureaus are at responding.
It can take a few months to start seeing results, but most people will generally see improvements in less than 60 days. Each month, your credit score should rise – until they’ve achieved the best possible results for you.
The Credit People will work to remove the following:
Bankruptcy
Student loans
Late payments
Hard inquiries
Repossessions
Charge offs
Judgments
As well as disputing any unfairly reported or questionable negative items on all three of your credit reports, The Credit People will also give you plenty of information on how you can maintain a good credit score.
How Much Does It Cost?
First of all, there’s a setup fee which is $19 – a perfectly reasonable price to get started with a quality credit repair company. Once you’re all set up and seven days have passed, you’ll be charged a monthly rate of $89. This 7-day period gives you the chance to decide whether it’s for you. This is a lower cost than many other credit repair companies, and you’re certain to get your money’s worth. With monthly charges, you can cancel your subscription at any time, which is perfect if you only have a few items that need disputing.
Monthly payments are generally the preferred option, but there’s also a flat rate program which is only $379. This is a way to avoid the setup fee and covers all work done for a full six months. Six months is more than enough time to see results and to get your credit score back on track.
If you opt for the flat-fee cost option, then you’ll be glad to know that you can take advantage of
the six-month satisfaction guarantee. This means that if you’re not satisfied with the results after six months, then just explain your reasons and you’ll be able to get a refund.
If you sign up as a couple and opt for the flat-fee plan, then you can get a discount of up to $40, which is encouraging.
