FAQs
Is Credit Training Legal?
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. The Fair Credit Reporting Act (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 are 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 but they do not offer proof. It is our job to prepare documents that challenge this, and we are very skilled at that.
What items can you help me improve or remove?
With our assistance and document processing, our clients have had great success with removing bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, and student loans.
Is it worth my 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. Removing anything from a credit report, even accurate items is possible. For example, the negative item may be removed if the creditor does not adhere to makes mistakes regarding the specific time frame.
What can I expect when I enroll?
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 the 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.
How long will it take to see results?
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.
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 except in very rare circumstances.
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 can remove 70% of the negative items from a credit report.
What is your 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 with no improvements.
You MUST have at least four negatives on the credit report at the time of sign-up. You MUST have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services. You MUST 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).