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The Credit People vs Credit Repair Consultants

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THE CREDIT PEOPLE

The Credit People is the self-proclaimed "#1 Credit Repair Solution Online," and if customer recommendation is a pull for you, then you'll find plenty of testimonials from people whose financial lives have been changed with their affordable services. They offer credit repair for those currently being rejected on anything from a home loan, a refinancing option, or a newer vehicle, but also offer assistance with financing tips for buying a home, managing rent, getting a car, opening a business, refinancing vehicles, and obtaining good quotes on both auto and health insurance. Their FAQ page also provides information regarding what can and can't be removed from a credit report.

The Credit People doesn't promise to deliver anything fancy; their promise to you is credit repair in a quick and timely manner. They only offer one type of service at one rate of cost: a one-time set-up fee of $19, which is charged with your first of 3 payments of $99. If you pay the full cost for The Credit People's services upfront, they will waive the set-up fee so the total cost to you is $299.00. And they won't forget about you after your first payment; The Credit People will contact credit agencies for negative items on your behalf until either proof is provided or the negative mark is removed. With The Credit People, you can expect to see positive results on your credit reports within 45-60 days. Plus, there are no additional costs for additional services.

Their website provides helpful information, including how your credit is calculated, how good credit can help you get a new car or a new home, and tips on obtaining and keeping good credit. They also provide full disclosure statements regarding the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACT Act), and the Fair Debts Collection Practices Act (FDCPA), as well as the benefits of reviewing your credit report and credit score regularly. As they dispute the negative items on your personal credit report, they keep you updated with reports every other week sent via email, as well as the updated credit reports from the credit bureaus. If you are unsatisfied with the personal value of The Credit People's services, they'll give you a full refund of every penny you've paid.

While not a member of the Better Business Bureau, no complaints have been filed with the BBB against The Credit People. Enrolling with their service is easily done online through their secure server. For easy, unlimited credit services on your behalf, The Credit People provides affordable credit repair online.

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CREDIT REPAIR CONSULTANTS

As a member of the BBB Online, Credit Repair Consultants (CRC) promises "no-compromise credit report repair" in the first 120 days or less, or you will be offered a partial refund. The enrollment application fee comes with the "Credit Repair Consultants' Guide to Your Credit Score" booklet, welcome and orientation communication, the order of your credit reports for you, and your first hour of consultation with a credit consultant. You can sign up online without being billed until your first services have been performed.

CRC provides a fairly comprehensive FAQ page online, and a very long but extremely informative page specifically about credit scores; what they mean and how they affect your ability to borrow and buy. This would be CRC's strongest selling point, as very few of the other credit repair services reviewed provide as detailed information on credit scoring. What CRC doesn't have going for them is straightforward, affordable service; no other credit repair business reviewed charges clients for obtaining credit reports, which you actually have to do for yourself, or by deletion as opposed to monthly.

Even if they're service is impeccable and their able to remove 4-5 negative items from your credit report a month, that's a monthly cost of $125 on top of a partially non-refundable fee of $189. (And they are the ones handling the invoicing of the deletions.) In addition, some of the language they use to describe both their services and fees is contradictory.

We feel you can obtain better service at a better price with one of the top-rated services in our review.

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Credit Repair Services

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of The Credit People and Credit Repair Consultants.

Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs.

A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!



Choosing a Credit Repair Company

If your credit score needs some professional help here's how to search for a quality credit repair company.

Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



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