How can we help?

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FAQ

Frequently Asked Questions

Yes, credit training is legal and our credit education and document processing
services will help you to use the law in your favor. That law is called “The Fair
Credit Reporting Act.” The FCRA gives you the right to dispute any item on your
credit report. If that item cannot be verified within a reasonable time (usually 30
days) it must be removed. Studies have shown that 79% of all credit reports
contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports
improve immediately. For items that disputed that are not errors, a creditor or
furnisher is often unable to find the records or signed documents within the
allotted time and the item gets removed. Sometimes the furnisher will say it has
been verified by not offer proof. It is our job to prepare documents that challenge
this and we are very skilled at that.

Is Credit Training and Education worth my time and money?

Contrary to what credit bureaus want you to believe, credit training does work in
most circumstances. But it only works if you are getting the best advice from an
experienced professional. Anyone with a credit score below 720 can benefit
long-term from the advice and information provided through credit education.
However, there are limiting factors that will prevent us from helping you. Two
main factors are: (1) your financial situation and/or (2) the time frame in which
you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does
not adhere to the specific time frame, the negative item may be removed.

How long does the credit repair process take?

Every situation is different and unique, so the time required to ultimately repair your credit will vary with every case. Most of our clients see a significant improvement to their credit score within the first 30-60 days, and we’ll work with you on your credit month-by-month basis until you are fully satisfied

What can I expect when I enroll in Credit Education?

We will guide you through the process from start to finish and prepare all your
documents for you. We have a superb knowledge of credit scoring and
experience working with creditors and credit bureaus. It may be difficult for an
individual to communicate with creditors and bureaus without an adept
understanding of their techniques and regulations in place for credit reporting.
We have spent a great deal of time learning the laws that will help you to remove
negative information on your report, which enables us to offer you a flawless,
money back guarantee system.

What is your 100% Guarantee?

You are entitled to a 100% refund on all monthly payments if:
– You do not remove more than 25% of all the negatives worked on.
– You have had six months from the time you retain our services.
– You have at least four negatives on the credit report at the time of sign-up.
– You have not used a credit-consulting agency nor attempted to repair your
credit two years previous to signing up for our services.
– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

How long will it take to raise my score?

Through our services, 93% of our clients see their credit score increase 10 points
or more in the first 35 days. Over the full 180-day term of the contract, the
average credit score increase is 80 points. See full statistical breakdown.

Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the
credit bureaus have done absolutely everything right and we have no case
against them. On average, clients are able to remove 70% of the negative items
from a credit report.

Will the removed items come back?

Items cannot come back as long as the item is current or paid at the time of
removal or if the collection is older than three years. This holds true except in
very rare circumstances.

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great
success with bankruptcies, foreclosures, collections, charge-offs, repossessions,
medical bills, credit card debt, inquiries, late payments, old addresses,
judgments, tax liens and student loans.