Debt consolidation and balance transfers, or credit card refinancing, are two debt repayment strategies. A secured loan can be another option to qualify for a debt consolidation loan. With creditrepair secured loan, your debt is backed by collateral like your savings or home. If you fail to repay the loan, the lender can take possession of your collateral. Accredited does a soft credit pull during the application process, which won’t hurt your credit score.
Always Pay Your Bills On Time
Credit Saint LLC offers a variety of credit assistance packages to customers in Houston and its surrounding areas. The credit repair company helps customers improve their credit ratings by challenging errors or unverifiable items in their credit histories. Its credit specialists offer their expertise in credit laws and educate customers on what affects their scores.
The Credit People Review 2025: Pros, Cons, & Pricing
The Standard package has a $99.95 first payment and $99.95 monthly fee. In all, the CFPB is paying out $1.8 billion in refund checks to 4.3 million victims. It’s the biggest-ever distribution from the bureau’s Civil Penalty Fund, which provides money to people who’ve been harmed by companies that break federal consumer financial protection laws.
Most lenders offer credit card consolidation loans ranging from one to five years in length. Yet, it’s possible to find lenders offering credit card consolidation loans for shorter or longer periods. Approval for credit card consolidation loans is typically quick because the application process is simple and streamlined. Some lenders, such as SoFi, even offer same-day approval and funding.
Some companies also charge a one-time setup or enrollment fee, which can range from $50 to $200 or more. Package deals, bundling various services at different price points, are another common pricing model, with higher tiers generally offering more comprehensive assistance. Credit repair is the process of fixing inaccurate, misleading, or incorrect information in your credit score and credit report.
What Accounts Don’t Build Credit?
Debt validation requires that the creditor/data furnisher provides documents such as original contracts, billing statements, etc…, to prove your liability in a debt. Disputed items may be temporarily removed from your report while they’re being investigated. Research and financial considerations may influence how brands are displayed. We offer friends and family discounts along with special pricing for military personnel, first responders, law enforcement, seniors, and educators. Ben Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money.