The EASY choice to an AFFORDABLE professional!!

Free Credit Analysis

Inaccurate Items We Investigate

  • Collections
  • Charge Off
  • Late Payments
  • Bankrupties
  • Judgments
  • Repossessions
  • Foreclosues
  • Tax Liens
  • Mixed Files
  • Wrong Name, Address, Social Security Numbers 

Your Future Is Now! 

Results as fast as 40 days!

We get results when results are needed Most of our lients see results within the first 40 days of service and great results within 4 to 6 months.

Debt Verification

Rebuilding a credit report isn't just about having inaccurate informaiton remvoed from the report. You have the right to request verification of any debt being reported o u. If needed we will help with this process as well.

Credit Report Errors!

Did you know that 79% of all cred repors contain sme time of errors according to a recent report. Oer 4 billion accounts and updates are provided to the credit bureus each month by more than 30,000 human datprocessors, leaving considerable room for errors.

Rebuilding Your Credit!

We will help you with the rebuilding of your credit by verified companies that will offer you lines of credit for the rebuilding process from revolving to installment.

See for yourself what your neighbors have been talking about

WORK WITH US

About Us

Since 2004 our staff has been investgating creditors, banks, businesses and credit bureaus to ensure that information being reported on a consumer is true and accurate based on the consumer protection laws.  

We know what is required to have a true and accurate financial history and how errors can affect consumers in their daily life's and financial status.

Our staff range from former credit bureau employees, outside attorneys, bankers, realtors, investigators and loan officers. We are one of the few that back our services with a real 100% money back guarantee. Yes! You read that right!

See for yourself what your neighbors have been talking about

Audit Singles - $99.00 or Couples - $149.00 An audit is like a blue print of your credit. It explains your current credit history and provides valuable information about credit and what makes a credit score. It will give our recommendations of what needs to take place as well as our plan of action that we've come up with to improve your credit status. This is only offered after we have reviewed your credit AT NO COST to see if our service would be a good fit for you and you've enrolled in our service.

Per Round Singles: $69.00 or Couples $138.00 Our goal is your goal and to get you back to Credit Freedom. Make sure that after our service with education you never have a need to come back. We have helped hundreds of people get the credit they deserve, all with NO UP FRONT FEES. What are you waiting for? You should be our next SUCCESS STORY! 

Take Your Credit To The Next Level

Our services have been mastered over several years to get you where you need to be. Make NOW the time to upgrade your credit? NOT when you need it the MOST!

SCHEDULE A CONSULTATION

TESTIMONIALS

See for yourself what others have to say.

We have you covered when you need help!

Let's Talk

Privacy Policy

Your privacy is important to My Credit People. Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting My Credit People’s website or agreeing to content that includes a link to this document ("Online Ads"), you agree to the practices described in this Privacy Policy and our Terms of Use. 

Our Collection and Use of Personal Information Personal Information is information you provide us that can be used to uniquely identify or contact a single person, such as your name, email address, phone numbers and tax identification number. You may be asked to provide Personal Information when you interact with My Credit People, Online Ads, or one of My Credit People’s related companies, such as in connection with a completed or abandoned transaction or a request for information from My Credit People. My Credit People and its related companies may share your Personal Information with each other and use it consistent with this Privacy Policy. My Credit People may supplement the Personal Information you provide with Personal Information available from other sources, such as public databases, data aggregators, and other commercially available sources. Examples of Personal Information We Collect and How We Use It You may provide My Credit People a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and tax identification number. The Personal Information we collect allows us to deliver requested products, services and information to you, to stay in contact with you, and to manage My Credit People’s relationship with you. By providing My Credit People with Personal Information, you consent to My Credit People’s transfer and storage of that information. My Credit People also may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities. Our Collection and Use of Non-Personal Information Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose. Examples of Non-Personal Information We Collect and How We Use It We may collect and aggregate information regarding user access, activity and behavior on our website, such as when you visit the website and what content is of interest or seems to be most useful to you. If we combine Non-Personal Information with Personal Information, the combined information is treated as Personal Information for purposes of this Privacy Policy. Non-Personal Information includes: Device Information - We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers. Cookies and Other Technologies - We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device. We use Cookies and Other Technologies to analyze your behavior when accessing our website and to deliver ads to you that relate to your interests. Log Information - When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data. We use Log Information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site. Click-Through URLs - In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications. Anonymized Information - If we separate Non-Personal Information from Personal Information, the separated information is treated as Non-Personal Information for purposes of this Privacy Policy. Our Sharing of Information with Others Personal Information We do not share Personal Information with businesses or individuals outside of My Credit People, except under the following circumstances: Consent - We will share your Personal Information with others outside of My Credit People when we have your consent to do so. Service Providers - We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures. For example, we may use others to: deliver, evaluate the effectiveness of, and assist in improving our products and services advertise, market, or make product or service offerings assist us in analyzing and understanding consumers and how to reach them more effectively assist us in fraud prevention, with our security measures, and to provide us technical support provide customer support manage customer data, and to ensure data integrity and accuracy process financial transactions and perform accounting functions Legal Reasons - We will share Personal Information with others outside of My Credit People if we have a good-faith belief that disclosure is necessary or appropriate to: comply with applicable law, regulation, legal process or enforceable governmental request protect our operations or customers detect, investigate, or address fraud, security, or technical problems investigate potential violations of and enforce applicable terms of service In the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third-party. Non-Personal Information We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our firm.  

Transparency and Choice My Credit People may use third-party display advertising companies, including Google, to serve My Credit People ads on its behalf on sites across the Internet. My Credit People and its display advertisers use cookies to inform, optimize, and serve ads based on your past visits to My Credit People website. You may find additional information, opt-out of, or otherwise customize display advertising from Google or DoubleClick by visiting Google's Ads Preference Manager. You may find additional information and opt-out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page. My Credit People may use third-party analytics companies, including Google Analytics and Omniture to analyze and understand user behavior when visiting our website. You may find additional information and opt-out of Google Analytics by visiting the Google Analytics opt-out browser add-on. You may find additional information and opt-out of Omniture Analytics by visiting the Adobe opt-out page. You also may want to consider disabling cookies within your browser. Please note, however, that certain features of the My Credit People website will not function properly or be available once cookies are disabled. Social Media Plug-ins Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on My Credit People’s website. By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile. If you do not want the social network to collect information about you, or to share it with My Credit People and other third parties, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit My Credit People’s site.  

Information Security and Retention My Credit People takes precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alternation, and destruction. These precautions include technical, physical, and managerial procedures. Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services. We regularly review our compliance with our Privacy Policy and enforce safeguards within the company. We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with our customers directly. My Credit People uses Secure Sockets Layer (SSL) encryption on all pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet. For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, special characters, and you should avoid using the same or similar passwords across multiple sites. Clients may access their Personal Information by logging into their account. We make good-faith efforts to give you ways to update or to delete your Personal Information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned My Credit People representative. My Credit People retains Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period is required or permitted by law. We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups). We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.

Third Party Privacy Policies This Privacy Policy only addresses the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that My Credit People does not own or control or to people that My Credit People does not employ or manage. My Credit People does not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third party, please refer to the third party's privacy policy. If you provided your information on the website of an entity not related to My Credit People, and that entity shared your information with us, the privacy policy of that website governs the non-related entity's use of your information, which may be different from this policy. Children We do not knowingly collect Personal Information from children under 13. If we learn that we have collected the personal information of a child under 13, we will take steps to delete the Personal Information as soon as possible. Privacy Policy Changes and Questions My Credit People may update its Privacy Policy from time to time. Changes to this Privacy Policy will be posted on My Credit People’s website, with a corresponding revision date. Please check the website and Online Ads each time you use them for the most current information and to ensure that you are aware of any updates. Request for Information If you have any questions or concerns about My Credit People’s Privacy Policy, please contact us: info@mycreditpeople.com.

Terms of Use

This Website Terms of Use Agreement ("Website Terms") is between you and My Credit People, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) ("My Credit People", "we" or "us"), with a principal place of business at 275 W. Princeton Drive Suite 103 Princeton, Texas 75407. Notwithstanding any language in teh Website Terms to the contrary, the Website Terms have teh same effect as an agreement in writing and govern your use of this site and its content (the "Website"), your engagement of My Credit People services, your request that My Credit People contact you about its credit repair services, and/or your participation in My Credit People Text Message Program. My Credit People includes sending text message(s) to My Credit People and/or receiving text message(s) from My Credit People.

BY USING THE WEBSITE, ENGAGING MY CREDIT PEOPLES SERVICES, REQUESTING THAT MY CREDIT PEOPLE CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN MY CREDIT PEOPLES TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

My Credit People's Privacy Policy applies to your use of My Credit People's website, all services provided by us, your request that My Credit People contact you about its credit repair services, and/or your participation in My Credit Peoples Text Message Program, and its terms are made a part of the Website Terms. To view My Credit People's Privacy Policy, click here. By using My Credit People's website, engaging our services, requesting that My Credit People contact you about its credit repair services, and/or participating in My Credit People's Text Message Program, you acknowledge you have reviewed My Credit People's privacy policy and agree to its terms.

BY USING MY CREDIT PEOPLE'S WEBSITE, ENGAGING MY CREDIT PEOPLE'S SERVICES, REQUESTING THAT MY CREDIT PEOPLE CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN MESSAGES, CHAT, OR ANYTHING ELSE RELATED TO MY CREDIT PEOPLE, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND MY CREDIT PEOPLE ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TOR, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND MY CREDIT PEOPLE, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OF FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH MY CREDIT PEOPLE. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST MY CREDIT PEOPLE IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST MY CREDIT PEOPLE IN ANY JURISDICTION IN THE UNITED STATES. MY CREDIT PEOPLEWILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF TEH AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of teh Website Terms shall control over ay inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator's jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the State of Texas, as provided in Section 17 below.

1. About The Website Terms  

The Website is a service made available by My Credit People. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, dicontinue using My Credit People's services, rescing your request that My Credit People contact you about its credit repair services, and/or discontinue your participation in My Credit People's text message program before the changes take effect. Your continued use of the Website, use of My Credit People's services, request that My Credit People contact you about its credit repair services, and/or participation in My Credit People's text message program after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website, continue using My Credit People's services, continue your request that My Credit People contact you about its credit repair services, and/or participate in My Credit People's text message, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms, by clicking on the "Terms of Use" link at www.mycreditpeople.com. The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with teh Website Terms, govern your use of those areas, content, or transactions.

2. About the Website  

The Website gives users information about My Credit People's credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage My Credit People's services.  

3. Engagement of My Credit People's Services  

You are not requried to engage My Credit People's services in order to visit and read material on the Website; however, you will need to engage My Credit People's servies if you want it to assist you in your efforts to improve your credit reports and rating. If you engage My Credit People's, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to that information. Each engagement is for a single person only.We do not permit any other person to engage My Credit People's servies on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify My Credit People immediately by emailing info@mycreditpeople.com.  

4. Ownership  

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by My Credit People or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, My Credit People retains all rights (including intellectual property rights), title and interest in teh Website, tehnology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the "Technology")(the terms Content and Technology collectively will be referred to as the "Materials"). You may not remove from any electronic or printed copy any opyright, trademark, or other proprietary notice.

5. Use of Website and Materials  

My Credit People provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carring out indiidual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited you may not, either directly or indirectly:  

Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Website ro Materials without the express written permission of My Credit People or the applicable rights holder; Use the materials for telemarketing, direct marketing, and commercial mass e-mail or by agents or representatives or e-mail spammers; Reverse engineer, decomplie, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices; Use any network monitoring or discovery software to determine Website architecture, or extract information about usage or users; Reformat or frame any portion of the Website or Materials; Use any device, software ro routine that interferes with the proper working of the Website, or otherwise attempt to interfere with the proper working of the Website; Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; Violate the Website Terms, applicable law or the rights of others; or Disrupt or interfere with the security of, or otherwise cause harm to, the Website.  

Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any thirdy party using the Website or Materials.  

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the Websit if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.

6. License  

By using the Website, uploading content to our submitting any materials for use on the Website, you grant (or warrant that the owner of such right has expressly granted) My Credit People a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.  

7. Automated Activity  

The Website may use robot exclusion mehods, which include robots.txt files and HTML, meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licesnsed to My Credit People by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing "offline" searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Website. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.  

8. Linking  

You may provide links only to the homepage of this Website, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (b) you give My Credit People notice of suck link by sending an e-mail to info@mycreditpeople.com and (c) you discontinue providing links to this Website if requested by My Credit People. If you wish to provide links to a section within the Website, you should forward your request to My Credit People at info@mycreditpeople.com and My Credit People will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.

9. Representations  

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the website Terms and applicable law and (d) your use of the Website an any transactions that you make with us will not violate the rights of any third party.  

10. Disclaimer  

My Credit People makes every effort to ensure the information presented in, on or through its Website is accurate; however, My Credit People makes no guarantee as to such information, and is not responsible for any resulting loss or damage.  

11. Warranty, Liability, Indemnification  

My Credit People makes no representations regarding the availability and performance of its Website. You hereby acknowledge that nay use of the Website and reliance upon any Materials shall be at your sole risk and that My Credit People shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.

THE WEBSITE AND MATERIALS ARE PROVIDED BY MY CREDIT PEOPLE ON AN "AS IS" BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. MY CREDIT PEOPLE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.  

IN NO EVENT SHALL MY CREDIT PEOPLE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACOT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. MY CREDIT PEOPLE SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by law.  

MY CREDIT PEOPLE DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, "WORMS", "TROJAN HORSES", OR THEIR HARMFUL COMPONENTS. MY CREDIT PEOPLE ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY MY CREDIT PEOPLE SHALL BE CANCELLATION OF YOUR ACCOUNT.

12. Indemnity  

You agree to indemnify, defend, and hold harmless My Credit People, its officers, directors, employees, agents, representatives, vendors and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your(or anyone using your account's) violation or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and conrol of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.  

13. Privacy  

We may, subject to and in accordance with our Privacy Policy for marketing and other purposes, collect, process and transmit certain data obtained from and about you in the course of your accessing the website or during a phone consultation, including information collected in the course of an abandoned transaction. By agreeing to the Website Terms you agree to such data being so used and further agree that it may be transmitted to others whether or not within the United states in accordance with oru Privacy Policy and under applicable privacy and data protection legilation. Information on how and what type of data (if any) is held about you can be obtained by clicking here to review our Privacy Policy or by Contacing Us.  

14. Electronic Notices and Transactions  

You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive My Credit People's services, to request that My Credit People contact you about its credit repair services, to participate in My Credit People's Message Program, and to view, print and retain all documentation. You authorize us to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a client of My Credit People or have requested that we contact you about our credit repair services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the Website or My Credit People's services. You can retrieve and review the Website terms at any time by visiting www.mycreditpeople.com, and may receive paper copies by calling My Credit People at 1-888-888-8536.  

15. Access  

You are responsible for obtaining at your own expense all equipment and services needed to access and use the website, including all devices, internet browesers and Internet access. If you access the Website or Website application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.  

16. Notice Regarding Technology  

Your use of the Website must comply with all applicable laws in the territory in which you access and use the Website.

17. Miscellaneous  

My Credit People reserves the right to investigate complaints or reported vilations of the Website Terms and to take any actioin My Credit People deems appropriate including but not limited to reporting any suspected unlawful ctivity to law enforcement officials, regulators or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses and traffic information. My Credit People reserves the right to seek all remedies available at law and in equity for violations of the Website Terms, including but not limited to the right to block access from a particular Internet address to any My Credit People website. These incorporate by reference any notices contained on the Website and constitutes the entire agreement with respect to access to and use of the Website, your request that My Creidt People contact you about its credit repair services, and/or your participation in My Credit People's text program. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Website Terms shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, inclduing but not limited to the scope thereof, then such provision will be served and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without llimiting the foregoing, y ou agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Website Terms to be overly broad based ont he circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.  

THE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS, USA, AS THEY APPLY TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW. The Arbitration Clause, the obligations int he first four paragraphs fo the Website Terms,a nd Sections 5 through 8, 10 through 15,17 and 18, shall survive termination of the Website Terms. The Website Terms constitutes the entire agreement adn understanding between you and My Credit People, except as you and My Credit People may later agree in writing to modify the Website Terms. The Website Terms supersedes any and all prior agreements and understandings, oral or written, relating to the subject matter hereof.

18. Confidentiality of Information  

The information presented on the Website does not create a business relationship. ALL ARTICLES AND MATERIAL DISPLAYED BY MY CREDIT PEOPLE ON THE WEBSITE ARE FOR INFORMATION ONLY (EXCEPTING MY CREDIT PEOPLE'S PRIVACY POLICY AND THE WEBSITE TERMS, WHICH ARE BINDIN CONTRACTS), ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVISE OR OTHER LICENSED PROFESSIONAL ADVISE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES YOU MUST RETAIN LEGAL CONSEL. My Credit People does not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknoweldgethat any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. My Credit People reserves the right in its sole discretion, to correct any errors or omissions in any portion of the Website.  

Any information contained on the Website with respect to results obtained by My Credit People is not meant to indicate that the same or similar results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant or guarantee a similar outcome. References to past or present clients or the circumstances of their specific matters do not constitute testimonials or endorsements by such clients, nor are they a guarantee, warranty or prediction fo the outcome of your legal matter.  

Electronic mail or other communications through this site to My Credit People (or any of its employees, agents or representatives) are not secure and are not subject to privacy. Accordingly, My Credit People does not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate at your reeequest. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or "Spam," may be prosecuted to the full extent of the law. You acknowledge that by submitting communications to My Credit People, no confidential, fiduciary, contractually implied or other relationship is created between you and My Credit People other than pursuant to the Website Terms and any subsequent written agreement entere into with My Credit People.  

Please do not use the information on our Website to distribute unsolicited bulk e-mails, solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.

My Credit People all rights reserved. My Credit People does not provide tax, legal or financial advice. If you need any type of legal advice you must seek a licensed attorney. Comments about the potential outcome are based upon experience and prior success in these matters. my Credit People does not guarantee the permanent removal of accurate and verifiable information. Client's active participation in providing My Credit People all requested credit monitoring username and password, (to get best results we will not use credit karma) documents, forms,a dn information including investigation results are essential for the accomplishement of an accurate credit report. Individual results may vary. My Credit Peopledoes business exclusively within the State of Texas. Client has initiated contact with My Credit People for purposes of retaining its Texas based services. My Credit People does not chare in advance for its services and client will only be charged after services have been performed for the previous months work or a setup of all systems and reviews of credit reports have been completed. For Contacting My Credit People email info@mycreditpeople.com

Refund Policy

  • You must be enrolled in our program for at least 3 months (90 days). 
  • Current on all your bills and not have any NEW derogatory items added to any of the 3 major credit bureaus. 
  • Your online credit monitoring program must be active and we must be able to access it. 
  • You have made all on time payments to Company with no return or late payments.  
  • The audit fee is non-refundable since it is a report fee and not a credit repair per round fee. 
  • You the client has had no changes in the last 90 days 
  • If you use Credit Karma as your credit report you will not qualify for a refund no matter what. (If you have had changes to any item we will calculate each item deleted/corrected at a value of $25.00 per item per credit bureau. If the amount paid is less than the added value you will not be entitled to a refund but if the amount paid is more than the value of the deleted/corrected items you will receive the difference of paid vs value.) 
  • If you are approved for a refund please allow up to 15 business days to receive it by mail.  

(NO REFUND) Client Example 1 - 90 days this client had 3 items deleted from Experian, 3 Items deleted from Equifax and 3 Items deleted from Transunion a total of 9 Items deleted. Client Paid: $207.00 Deleted Value: $225.00 (9*$25,00) Client Refund: $0.00 because the value of deleted/corrected items would be $18.00 more than client paid.  

(RFUND) Client Example 2 - 90 days this client had 3 items deleted from Experian, 0 Items deleted from Equifax and 0 Items deleted from Transunion a total of 3 items deleted. Client Paid: $207.00 Deleted Value: $75.00 (3*$25.00) Client Refund: $132.00 - The client would receive a refund of $132.00 because the value deleted/corrected would only be $75.00

  Legal Disclaimer 

My Credit People All rights reserved. My Credit People does not provide tax, legal, debt releif/settlement or financial advice. If you need any type of legal advice you must seek a licensed attorney or a licensed debt releif/settlement company. Comments about the potential outcome are based upon experience and prior success in these matters. My Credit People does not guarantee the permanent removal of accurate and verifiable information, verifiable information can remain on your credit report for up to 7 years from the last date of activity. Client’s active participation in providing My Credit People all requested credit monitoring username and password, (to get best results we will not use credit karma) documents, forms, and information including investigation results are essential for the accomplishment of an accurate credit report. Individual results may vary, we do not guarantee a score increase but do guarantee that you have will have true and accurate credit report after our services . My Credit People does business exclusively within the State of Texas. Client has initiated contact with My Credit People for purposes of retaining its Texas-based services and therefore My Credit People will abide by the Laws and Rules of the Federal Laws as well as Texas laws only. My Credit People does not charge in advance for its services and client will only be charged after services have been performed for the previous months work, enrollment is charged after client has been provided access to their 24/7 online account portal.  

My Credit People goal is to provide credit repair services to assist CONSUMER in achieving an accurate credit report. CONSUMER hereby acknowledges that My Credit People does not guarantee any specific outcomes or results on behalf of CONSUMER, but contracts to provide the specific list of services as more fully described herein. My Credit People does not charge for, nor shall My Credit People collect for, any services, until such services as detailed in the listed contracted services are fully provided. My Credit People does not contract for services to remove accurate and/or verifiable information from CONSUMER’S credit file. CONSUMER hereby acknowledges that active participation in providing My Credit People with all requested documents, forms, and information including investigation results, is essential to providing the credit services for CONSUMER. My Credit People does not provide tax, legal or financial advice. If you need any type of legal advice, you must contact a licensed professional. My Credit People is not a debt settlement company.

Consumer Credit File rights Under State and Federal Law

“Consumer Credit File Rights Under State and Federal Law  

“You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.  

“You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.  

“You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. “You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. “Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.  

“You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. “If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.  

“The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: “The Public Reference Branch “Federal Trade Commission “Washington, D.C. 20580”.  

(b)Separate statement requirement The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.  

(c)Retention of compliance records  

(1)In general The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.  

(2)Maintenance for 2 years The copy of any consumer’s statement shall be maintained in the organization’s files for 2 years after the date on which the statement is signed by the consumer.

Federal Cancellation Clause

You have the right to cancel any agreement with a credit repair firm and receive your money back if you already paid within 10 days from the date you cancel. Below you will find the days allowed by federal law to cancel said agreement.  

RIGHT TO CANCEL WITHIN 5 DAYS CA, FL, ID, LA, MN, NV, NH, NC, OK, PA, TN, UT, WA  

RIGHT TO CANCEL WITHIN 3 DAYS AL, AK, AZ, AR, CO, CT, DE, HI, IL, IN, IA, KY, MA, MD, MI, MS, MO, MT, NE, NJ, NM, NY, ND, OH, RI, SD, TX, VT, WV, WY

You can also call Customer Service toll free at (888) 651-3788 or (214) 396-6770 to cancel.

My Credit People is compliant with CAN-SPAM laws. We value our clients relationships and work to assure that our clients are always satisfied.

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You can also call Customer Service at (888) 651-3788 or (214) 396-6770.

Notice of Cancellation

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to My Credit People at P.O. Box 802 Princeton, Texas 75407 before midnight on 3rd day after date on this agreement. 

I hereby cancel this transaction,

Todays date (The date your cancellation is received will be the date used)

Signature

Ou service is contract free and you are only charged for work that has been completed. If you are cancelling your service before your round is processed you will not be charged. If your round for this cycle has already been processed you will still be invoiced as we invoice after work for each round has been completed.

Credit Builder Programs

piggy bank

LOAN SAVINGS PROGRAM

  • Get started between $12 - $20, includes credit monitoring with one bureau
  • Savings plans start at $25/monthly and go up to $150/monthly
  • A small loan that you save in a CD for 12 - 24 months (FDIC - Insured certificate of deposit bank account)
  • At term of CD you've built credit history and your CD savings is unlocked and sent to you 
Apply Now
Secured Credit Card

SECURED CREDIT CARD

  • A true credit card to use anywhere credit cards are accepted
  • Apply in minutes with no credit check or credit needed
  • $200 deposit to Open your secured credit card
  • Reports 6 times a month so it should report the same week funded
  • Lowest APR'S on credit cards for rebuilding
  • YOU CAN'T HAVE THE HIGHEST CREDIT SCORE WITHOUT A CREDIT CARD ON YOUR CREDIT

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