Your Questions, Our Expertise = Answers That Empower
Our service is just $99 per month:
You will receive a welcome email and the setup of your secure online account, allowing you to track our progress. Once you sign up and log in, you’ll have access to your credit reports and scores. We’ll begin working on your credit right away. After the first 7 days, if you’re satisfied with the service and wish to continue, a monthly fee of $99 will apply.
Every credit situation is unique, so the time it takes to repair your credit can vary. Most of our customers start seeing responses within the first 45-60 days.
At Trusted Credit Consultants, we work on your credit on a month-to-month basis, focusing on continuous improvements to both your credit report and credit score. While we aim for steady progress, it’s important to understand that no company can guarantee specific outcomes. This is because multiple third parties are involved in the process (e.g., Equifax, TransUnion, Experian, your creditors), and their responses can be unpredictable.
The results can vary significantly because no two credit reports are exactly the same. Improvements that might increase one person’s score by over 200 points could result in a smaller boost for someone else, like the 20-point increase needed to qualify for a home loan. While everyone's outcomes will differ, we are committed to achieving the best possible results for you. Plus, with our “Satisfaction Guarantee,” you can be confident you have nothing to lose.
Absolutely! When you sign up your spouse within three days of completing your order, you’ll receive $20 off each of your first payments. Just sign yourself up first, and you’ll have the option to add your spouse immediately afterward. (Please note: this discount is not available for flat-fee pricing.)
After signing up, here’s what you can expect:
- You’ll receive a welcome email and a call from The Credit People® to get started.
- Access to your secure online account will be provided, allowing you to track our progress on your credit repair.
- You’ll be able to view your credit reports and starting credit scores from all three credit bureaus.
- Initial credit improvements typically begin within 60 days.
- As your service continues, your credit report and scores will steadily improve, and you can monitor it all in real time through your online account.
- By the end of your service, you’ll see a transformed credit report. Additionally, we’ll provide you with a personalized future plan to help maintain your improved credit and continue raising your score.
Yes, your credit reports and scores will be available in your online account for you to view!
Your credit reports and scores will be uploaded to your online account within the first week.
It’s simple! Throughout your service, you’ll receive updated credit reports showing items that have been changed, updated, or removed.
- Changes or Updates: These usually indicate positive improvements, such as correcting late payment histories.
- Removals: When an account is removed entirely, it typically means a negative item (like collections, charge-offs, or foreclosures) has been successfully deleted.
Additionally, we’ll highlight key progress in your secure online account, giving you real-time access to track the improvements being made.
You can expect to receive your updated credit reports from the credit reporting agencies within 45-60 days of signing up.
Only our credit service specialists will have access to your credit reports. Rest assured, your information is safe and secure. You can review our privacy measures in detail within our privacy policy.
We start by thoroughly reviewing your credit report to identify negative items and areas that can be improved.
From there, we take immediate action—disputing any questionable items on your report while addressing factors that can help boost your credit score.
As the individual responsible for ensuring the accuracy of your credit report, you are protected under laws like the Fair Credit Reporting Act (FCRA). This law grants you the right to dispute items on your credit report that are inaccurate, untimely, misleading, biased, incomplete, or unverifiable. Any item that cannot be verified must be removed from your report.
In addition to disputing errors with credit bureaus, Goodwill Creditor Interventions can be used to address specific items directly with creditors. Other laws, such as the Fair and Accurate Credit Transactions Act (FACTA) of 2003 and the CARES Act, provide additional tools, especially in cases involving identity theft.
Thousands of people have legally restored their credit and improved their credit scores by exercising these rights. While this process can be done independently, it requires time, patience, and a willingness to navigate the learning curve.
Unfortunately, the credit reporting system doesn’t work that way. Paying off your debt doesn’t automatically remove negative credit listings from your report. In fact, there’s little difference between a paid negative item and an unpaid one. While the credit reporting agencies will update the account to show it’s paid, the negative history remains. That’s where our dispute process can make a difference.
A more accurate question might be, "What items cannot be removed?" The truth is, we can work to remove a wide range of negative items from your credit report. Here are some examples:
- Late Payments
- Charge-Offs
- Foreclosures
- Judgments
- Repossessions
- Correcting or updating personal identification
- Closed Accounts
- Bankruptcies
- Negative Settlements
- Liens
- Collections
If it’s inaccurate, outdated, or unverifiable, we can take action to address it.
Yes, our dispute methods have successfully removed all types of late payments, whether they are 30, 60, 90, or 120 days overdue. In fact, late payments are the most common negative items we see removed from credit reports.
Absolutely! We’ve achieved great success in disputing collections and having them removed from credit reports.
Yes, our proven dispute methods can help remove repossessions from your credit report. While repossessions are more challenging to remove compared to simpler items like late payments, we are committed to using every possible approach to achieve the best results.
Yes, foreclosures can be removed from your credit report. While they are challenging to dispute, we take every possible step to achieve this. However, it’s important to note that public records will still remain accessible as public information.
We generally advise our clients not to expect the removal of a bankruptcy, as it is a public record and one of the most challenging items to dispute, especially if it is less than seven years old. That said, our service has achieved an impressive success rate in removing bankruptcies for past clients.
Late payments on student loans can be removed, but the student loan debt itself cannot be settled.
Yes, inquiries can be removed if the creditor cannot provide proper documentation showing that you applied for credit with their company. However, inquiries typically have minimal impact on your credit score and often stop affecting it after 90 days. Because of this, we generally prioritize addressing more significant items impacting your credit before focusing on inquiries, unless you specifically request otherwise.
Most coupons are valid for 30 days, unless stated otherwise.
No, your personal credit consultant may advise you on how to negotiate with creditors and collection agencies to get the best settlement deal, but we are not a debt settlement company and we will not contact your creditor to negotiate debt.