Frequently Asked
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. 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.
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).
- 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.
These people had amazing results
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"They removed all of my negative items on
my credit report, and I have only been
with them for 2 months. It’s an easy
process as long as you follow the
direction. Before them I couldn’t even get
a credit card. Now I've been approved for
a mortgage and shopping for my dream
home!"
Barry
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"I was looking to improve my credit score
to be able to purchase a home. Your team
has been patient, knowledgeable, and you
coached me throughout the entire credit
repair process. In just 3 months, my 3
credit scores improved to 645, 697 and
701!"
Brianna
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"I
was looking to improve my credit score to be
able to get a car and an apartment. Your
team was very patient with me, and I was
able to keep track of my credit score
activity throughout the process. In just 4
months, you guys were able to turn my credit
from 586 to a 732!!! I couldn’t be more
excited. Thank you guys for the help!"
Juwan
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