Introduction: Credit Repair Has a Reputation Problem — Here’s How We Fixed It
Most credit repair companies send template letters, hope something sticks, and quietly disappear when creditors don’t comply. Peoples Consulting doesn’t operate that way.
Our process is built on law, not guesswork.
On evidence, not templates.
On attorney-backed enforcement, not empty threats.
In North Carolina, consumers have more protection than they realize — and most credit repair companies don’t have the authority, skill, or legal structure to enforce any of it.
The Peoples Process™ changes that.
What Is the Peoples Process™?
It’s our proprietary, law-driven, compliance-based, attorney-supported credit repair system built to do one thing:
Force the bureaus and creditors to follow the law.
When they don’t, we take action.
This is the system that has generated 10,000+ deletions, ended illegal reporting practices, and restored credit profiles for executives, entrepreneurs, and everyday NC families trying to rebuild financially.
STEP 1: Full-Scale Credit Report Audit
Primary KPI: Identify inaccurate, incomplete, unverifiable, or outdated data.
Most companies jump straight into disputes.
We don’t. That’s how people lose cases.
We start with a comprehensive audit of all three major reports (TransUnion, Equifax, Experian).
This isn’t a “review.” It’s a line-by-line forensic examination based on:
- FCRA compliance
- NC state reporting laws
- Fair Debt Collection Practices Act (FDCPA)
- Pattern violations by specific creditors and bureaus
This audit produces a list of credible, legally enforceable violations.
This is the first advantage: you aren’t guessing, you aren’t hoping, and you aren’t using templates.
You’re building a case — and your results depend on it.
STEP 2: Evidence-Based Dispute Preparation
Primary KPI: Build a compliant, defensible, factual dispute package.
Once we identify violations, we prepare a custom dispute package.
Again, no templates, no generic letters.
Every dispute package includes:
- A clear statement of facts
- The specific FCRA or FDCPA violation(s)
- Date-stamped evidence
- Supporting documentation
- Required investigative obligations for the bureau or creditor
- Notice of intent to escalate for continued non-compliance
This is written like a legal investigation request, not a “please remove this” letter.
It produces faster, stronger results because it forces bureaus to follow their federal obligations — something most consumers don’t know how to enforce.
STEP 3: Attorney-Supported Enforcement (Our Competitive Advantage)
Primary KPI: Hold bureaus and creditors accountable.
Most credit repair companies can only hope the bureaus respond.
We follow up with attorney-backed escalation.
If the creditor or bureau fails to comply:
- We notify our legal team
- We trigger a pre-litigation compliance review
- We prepare to pursue statutory damages
This is where Peoples Consulting separates from the entire industry.
NC consumers rarely need to go to court — but the fact that we actually can is why our delete rates are higher and why creditors treat us differently.
STEP 4: Ongoing Case Management and Monitoring
Primary KPI: Maintain compliance and prevent reinsertions.
Once inaccurate information is removed, we continue to monitor the account to ensure:
- No illegal reinsertion
- No new violations
- No additional unauthorized collections activity
- No credit score manipulation by furnishers
Every client receives ongoing updates with clear next steps.
Transparency is not optional — it’s part of the process.
STEP 5: Rebuilding Strategy (Post-Deletion Optimization)
Primary KPI: Restore, strengthen, and elevate credit health.
Deleting negative items is only half the process.
We also help clients:
- Rebuild positive credit lines
- Improve credit mix
- Increase score stability
- Optimize credit utilization
- Prepare for home purchases, auto loans, or business funding
This is the part most companies ignore — resulting in clients who get deletions but no meaningful score improvement.
We drive both.
Why the Peoples Process™ Works (When Other Methods Don’t)
1. It’s built on law, not luck.
The FCRA is enforceable. Template letters are not.
2. Our team includes attorneys.
Creditors know the difference between:
- someone asking politely vs.
- someone who can actually take action
3. It removes permanently, not temporarily.
We prevent reinsertions. Most companies never check.
4. It meets North Carolina’s strict compliance rules.
North Carolina has some of the strongest credit protections in the country — if you know how to use them.
5. It’s professionally managed, tracked, and documented.
Every piece of evidence matters, especially for high-value clients preparing for mortgages or business financing.
Who the Peoples Process™ Is Designed For
Our system is most effective for:
- NC consumers dealing with long-term credit damage
- Individuals hit with inaccurate or illegal reporting
- Victims of collections harassment
- Entrepreneurs needing credit optimization
- Clients preparing for real estate or major funding events
- Consumers denied loans due to outdated or unverifiable data
If you have real credit issues — not superficial ones — this process is built for you.
How Long Does the Peoples Process™ Take?
Typical timelines:
- Round 1 audits & evidence prep: 7–10 days
- First dispute cycle: 30–45 days
- Litigation escalation (if needed): case-by-case
- Rebuilding phase: ongoing
Most clients begin seeing results within 45–60 days, with full restoration depending on the number and severity of violations.
Final Takeaway: Legal Credit Repair Works Better and Faster
Credit repair done the right way isn’t magic.
- It’s compliance.
- It’s documentation.
- It’s pressure.
And it’s attorney-supported escalation when necessary. That’s what The Peoples Process™ provides.
It’s what sets us apart. It’s why we get results others can’t.
If you’re in North Carolina and are tired of credit denials preventing you from obtaining the funds you need, consider booking a free consultation to see how Peoples Consulting can help you fix your credit issues legally, ethically, and quickly.
