The Credit People

Hi Michael, We appreciate your feedback but it sounds like there is a misunderstanding. There are different credit scoring models that lenders commonly chose from. This is not something we created or have control over. This is a fact of the credit system and how it currently stands (such as the Vantage Scoring Model, The Beacon Model, Fair Isaac, Fico, etc). If you apply for credit with a car dealership, they may not choose to use the same scoring model as a mortgage lender. In order to see the exact same scores a lender would see, you'd have to have a lender pull them (which is a hard inquiry each time they do that and does temporarily lower your scores). For that same reason, we don't pull your scores (since we know your goal of credit repair is to increase your scores and additional inquiries wouldn't help you to accomplish that). So we provide our customers with credit monitoring scores using the Vantage 3.0 scoring model. This is a real scoring model and is commonly used. We can understand your frustration in not being able to see the same scores a lender would see through credit monitoring services since that's a frustration for most consumers, but that is not something we or any credit repair company have control over.

We are doing everything we can on your account to fight the creditors and bureaus to get any positive results possible.

Thank you!

-The Credit People-

Hi Tonya......Thank you for letting us know your concerns since we do value our customers and always strive to do anything we can for them. You stated in your review that our emails are "automated" each month, but they are actually manually sent each time disputes are sent out (by an actual credit Representative). Disputes have to be drafted based on your credit reports and sent out to the bureaus prior to an email confirmation being sent to our customers. The conversation you had this morning with both Representatives was reviewed and you specifically asked what your options were moving forward so it was discussed you can seek an attorney and try to go that route (not that you had to or that was the only way but again, you asked what your options were and that's an option), or you can continue to dispute your negative accounts and sometimes being persistent and aggressive can pay off to wear them down and get results (but there's no way to know how long they'd fight back or when they would stop responding to disputes), or you could wait the statute of limitations of 7 years. The issue with your credit that we discussed is that the creditors have been "Verifying" your accounts as legally accurate with the bureaus and the bureaus have been accepting those responses. We can understand that's frustrating, and the credit system overall is not fair to consumers, but that doesn't mean we didn't do everything we could to fight the bureaus and creditors. The other issue we discussed is your credit utilization is over the maximum amount allowed and that's a major contributing factor to your scores being lower. We know it's a tough time financially for many people for various reasons, but when it comes to credit your credit utilization does play a significant factor in your credit scores. Upon your request to cancel your account you did not ask for a refund but as a courtesy, we issued you a one-month refund to show you we do care, we do everything we can to work with our customers, and your concerns were heard. We were sorry to see you go, but wish you all the best in all you do moving forward.

-The Credit People-

Thank you for your feedback, and we do appreciate you letting us know your concerns. Unfortunately, without any name provided for this review, there is only so much we can do to be helpful. There is nothing we would be doing in this process that would lower your scores, if anything they would stay the same or improve. However, there is many other factors that contribute to your scores that are not within our control such as credit usage (if you use more than 50% of the available credit limit on any of your credit cards) or on-time payments (if you miss a payment with a creditor while having our service that could be a new negative mark on your reports) or if you apply for credit and open a new account, or close an account, etc. All of those are factored into your credit scores, and just simply canceling our service doesn't make your scores drop (that solely means we would stop submitting disputes for you moving forward, but has no bearing on anything new that may be added to your reports that may have lowered your scores). It's also important to make sure you review your scores through a reliable source such as the bureaus directly (websites such as Credit Karma and Credit Sesame can be very misleading with their scoring and are not the same scores a lender will pull for you if you apply for credit. If you would be willing to provide your name, we would be willing to look into your account further at no additional charge to see what may have changed, and what lowered your scores. If not, than we certainly wish you all the best in all you do moving forward, and hope things only continue to improve for you.

Thank you!

-The Credit People -

Hi Mandy! Thank you for your feedback, and we hope you're doing well. I think there is a misunderstanding so I would be happy to clarify. You mentioned that you never saw a change in your credit and nothing happened while you had our service. However, we did confirm 5 negative accounts were removed from your reports based on our disputes, and we did post that information to your online dashboard so you could review it. So it's good news there was progress and positive results based on the disputes we were submitting for you. You also mentioned you were with us for 4 months but it was only three months. Lastly, you stated that we go online and copy and paste information for disputes but we actually do the exact opposite and that is not part of our process at all. We draft custom dispute letters and mail them to each of the bureaus since that provides much better results than generic online disputes. We do care about our customers, and we have the same goal our customers do of trying to get the best results possible and help to clear up their reports and increase their scores. Please contact us if you'd like to review your results and we would be happy to go through them with you.

Thank you, stay safe, and Happy New Year!

- The Credit People -

Hi Kathy,

We really appreciate you letting us know your concerns. Based on what you have described, we can see how it would frustrate you. First we wanted to say, we are truly sorry for any confusion. We have spoken with you many times when you had service with us, and we would never want you to feel we weren’t doing our best for you. You also mentioned that you have tried to review us before but you were informed we didn’t know who you are. The review you left on this site is a separate site than our company, so it sounds like you may have spoken to a rep that does not work with The Credit People.

There are a few things we can definitely help clarify. In addition to the collection account you mentioned you removed on your own, we were able to remove 10 negative accounts from your reports (which is good news). Your scores should go up based on the collection account you removed as well as the other negative accounts we removed which included some charge off accounts.

Consumers can always work on their credit at any time such as paying down the balances on any existing credit, making on-time payments, etc. The confusion comes in when you are working on your credit at the same time we are, and there is no way to determine who got which accounts removed. We typically don’t recommend our clients work on their credit at the same time we are so they can truly see what positive results we are getting for them.

You mentioned before you stopped our service your scores decreased. We are so sorry to hear that, and we could have definitely reviewed where you were seeing your scores decrease to get to the bottom of what changed with your credit. Unfortunately, since this was a year ago, there is now way to determine now what changed previously. There is nothing we do in this process that would lower your scores, so it sounds like there was another factor impacting your scores at that time.

We are so sorry you weren’t pleased with our service and as a courtesy, you did receive a refund for your last month of service. This means that you were with us for five months, and only paid for four. This was done to show you that in addition to the results we were able to get for you, we would also refund that last month.

If you have any questions please feel free to contact us directly. Our number is 866-382-3410x4 or email support again at any time. Thank you again.

Best Regards,

-The Credit People -