The Credit People

Hi Jared,

We really appreciate you letting us know your concerns. Based on what you have described, I can see how it would frustrate you. First, we wanted to say, we are truly sorry for any confusion. You have spoken to our reps a few times, and we would never want you to feel we weren’t doing our absolute best for you.

Based on what you described, there are a few things we can definitely help clarify. We were able to remove 4 negative accounts from your reports (which is good news). Each time a negative account is removed, it helps to clear up your reports so new creditors will no longer see that previous late payment history. The less negative accounts you have on your reports, the better your chances will be of getting approved for credit and receiving more favorable interest rates.

You mentioned that your scores dropped, but it’s important to make sure you are reviewing those scores through a reliable source. Credit Monitoring sites such as Credit Karma, Credit Sesame, etc, do not provide the same scores a lender would see (which is why it’s not a hard inquiry to review your scores through those sites, but it is when a lender pulls them since it’s a completely different calculation of your scores). The most reliable source to review updates to your credit is through the bureaus directly (Transunion, Experian, and Equifax) since they are the ones that actually report your credit. However, the only way to accurately know your credit scores is to have a lender pull them (but you don’t want to do that often in order to avoid additional inquiries on your reports). There’s nothing we do in this process that would lower your scores, so it sounds like there is another factor that may be lowering your scores (such as high credit utilization). We did offer to look into this further for you when we received your cancellation request, but unfortunately, you declined that offer. We would still be willing to do that for you if you'd like.

You also mentioned that you were thinking about canceling your account and then changed your mind. The great thing about our service is you can reactivate your account at any time. All you would need to do is send us an email or give us a call and we can reactivate it that same day (during business hours). We welcome our clients back even if their account was already previously canceled.

Please let us know if you have any additional questions, we’d be happy to assist you!

- The Credit People

Hi Salvatore, we are so sorry to hear you were not pleased with our service. We do care about our clients, and we aren't looking for them to be upset or frustrated in any way. We have been in business for over 16 years and helped thousands of clients to improve their credit. For your particular case, we were able to remove 12 negative accounts from your reports. That does help to clear up your reports from those negative marks, and it also helps to increase your scores. Just to clarify, we were here to dispute your negative accounts to have as many of them removed as legally possible. What that means is, if the creditor can't prove your account meets the legal requirement, or you were never past due, or the account was never yours, it could be removed from your reports. However, if an account is yours, and it is an outstanding debt that was never paid, any creditor can choose to take you to court and get a judgement against you (that is entirely up to the creditors discretion and we don't have any control over that). With that being said, we can completely understand your frustration in being sued. We would hope you would consider the negative accounts we were able to have removed from your reports while you had our service. We truly wish you all the best in all you do moving forward! - The Credit People