Credit Repair
Financial Power
Credit is part of your financial power. It helps you to get the things you need now, like a loan for a car or a credit card, based on your promise to pay later. Working to improve your credit helps ensure you'll qualify for loans when you need them.
Your Superpower: Good Credit
Many aspects of life are affected by credit ratings. They may:
- Determine whether a lender approves a new loan.
- Influence your interest rates and fees on the loan.
- Be reviewed by employers before they offer you a new job.
- Be used by landlords when deciding whether to rent to you.
- Determine your student loan eligibility, including most private loans.
- Be reviewed by insurance companies when you apply for many types of insurance, including car or homeowners insurance.
Good Credit vs. Bad Credit
Having good credit means that you are making regular payments on time, on each of your accounts, until your balance is paid in full. Alternately, bad credit means you have had a hard time holding up your end of the bargain; you may not have paid the full minimum payments or not made payments on time.
Negative information generally stays on your credit report for at least seven years.
Credit Reports and Scores
At the start of your service, we get your credit reports for you. Did you know we're the only company who does this? By getting your starting credit reports and credit scores for you (for FREE) you have an advantage over any other service... You know where you're starting from, and so do we! We're shocked to see that we're still the only company who does this and yet, we continue the practice because we know it's in YOUR best interest. How else will you measure the results at the end of the service?
With credit report repair, you break into the mix and take inventory of all the actions that have taken place on YOUR credit. Until the 70s people actually had no rights regarding their own credit report. Access to your own credit history wasn't available and you had no right to address wrongfully reported information. This was a horrible situation for consumers who applied for credit, got turned down, and had no way of finding out why—or even if it was a mistake. This is why the Fair Credit Reporting Act (FCRA) was enacted into law. Among other protections, it gives you many important rights when it comes to your credit report.
Because of the FCRA and other consumer protection laws, we now have the ability to go in, check out your credit, correct what we see as unfairly reported, improve items that are hurting your score, and help you get your credit in a much better place.
The case for credit repair is a strong one. And no one's better armed to repair your credit and boost your credit score than The Credit People.
Results in less than 60 days, free credit reports, free credit scores, and an unbeatable satisfaction guarantee in your back pocket. It doesn’t get any better than this. We clean up your credit and raise your credit scores.
That’s how easy our service is: Late Payments, Collections , Charge-offs, Bankruptcies, Repossessions, Foreclosure, Tax Liens, Identity Fraud, and Student Loans
Additional Services Included: Creditor Interventions, Unlimited Disputes, Certified FCRA (Fair Credit Reporting Act) , Escalated Disputes, Debt & Inquiry Validations, Toll-Free Support, Customized Credit Priorities, 15+ Years Experience , Satisfaction Guaranteed, Cancel Service Anytime