What does PEOPLE TRUST mean on my credit report?
Learn about PEOPLE TRUST, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is PEOPLE TRUST?
PEOPLE TRUST is shorthand for
People's Trust, with the company name being
People's Trust Inc
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PEOPLE TRUST is a
Creditor provider. They could be on your report for a number of reasons, for example:
⚫ You missed a repayment.
⚫ You opened an account with People’s Trust.
⚫ You opened a credit card / loan / mortgage with this company.
⚫ Someone fraudulently opened a credit line under your name.
About the account
⚫ The average high credit balance is $3300.
⚫ The typical loan duration is 24 months.
The account is classified under the following METRO2 categories:
- ⚫ Unsecured
How do I contact them?
Here is the current contact details for People’s Trust:
- P.O. Box 4511 Houston, Texas 77210
You can make a payment using your credit card, debit card, or PayPal. You can also make a payment in cash by stopping by or mailing a check or money order to the address listed on the website. They offer a monthly payment plan. Customers can sign up for their monthly payment plan and pay with their preferred payment method. They also offer additional payment options such as quarterly, semi-annual, and annual payments.
|Do they offer a monthly payment plan?
|Can I make payments over the phone?
|Can I make payments online?
|Do they offer a discount for automatic payments?
|Can I make a payment using a mobile app?
|Can I make a payment using a prepaid debit card?
|Can I make a payment using a wire transfer?
Forgiveness and Cancellation
loan forgiveness is not offered by the company. they offer loan consolidation and to qualify for loan forgiveness, borrowers must be employed full-time in an eligible public service job, make 120 on-time loan payments, and provide proof of employment and loan payments.
|Do they offer loan forgiveness?
|Do they offer loan consolidation?
How to Apply
Most banks and lending institutions allow you to apply for a loan online, over the phone, or in person. Applying for a loan online is the most convenient option, while applying in person may be required for certain types of loans. You may also need a cosigner for your loan if you have poor credit or no regular income.
|Can I apply for a loan online?
|Can I apply for a loan over a phone call?
|Can I apply for a loan in person?
|Can I apply for a loan using a mobile app?
|Can I apply for a loan with a cosigner?
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
How do I remove PEOPLE TRUST from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.