1. Is Credit Training Legal?
Yes, credit training is entirely legal. Our credit education and document processing services leverage The Fair Credit Reporting Act (FCRA) to your advantage. The FCRA gives you the right to dispute any item on your credit report. If an item cannot be verified within a reasonable time frame (usually 30 days), it must be removed.
Studies show that 79% of credit reports contain errors—nearly 8 out of 10 reports. This is why most credit reports see improvements after disputes. Even for items that aren’t errors, creditors or furnishers often fail to provide records or proof within the required timeframe, leading to their removal. In cases where creditors claim verification without proof, we skillfully prepare documents to challenge their claims.
Studies show that 79% of credit reports contain errors—nearly 8 out of 10 reports. This is why most credit reports see improvements after disputes. Even for items that aren’t errors, creditors or furnishers often fail to provide records or proof within the required timeframe, leading to their removal. In cases where creditors claim verification without proof, we skillfully prepare documents to challenge their claims.
2. Is Credit Training and Education Worth My Time and Money?
Yes, credit training is valuable for most individuals, especially those with a credit score below 720. It provides long-term benefits by equipping you with tools to improve and maintain a strong credit profile. However, two factors may limit the results we can achieve:
- Your financial situation.
- The time frame in which you need results.
3. What Can I Expect When I Enroll in Credit Education?
When you enroll, we guide you through every step of the process, including preparing all necessary documents. Our expertise in credit scoring, creditor communication, and credit bureau regulations gives us an edge in resolving issues effectively.
We specialize in understanding the laws and regulations that help remove negative items from your report. Our services come with a flawless money-back guarantee for your peace of mind.
We specialize in understanding the laws and regulations that help remove negative items from your report. Our services come with a flawless money-back guarantee for your peace of mind.
4. What Is Your 100% Guarantee?
We offer a 100% refund on all monthly payments if:
Note: Updated reports are typically received every 15-45 days. It is the client’s responsibility to inform us if reports are not received.
- We fail to remove more than 25% of the negatives worked on.
- You have used our services for at least six months.
- You had at least four negative items on your credit report at the time of sign-up.
- You have not used another credit consulting agency or attempted to repair your credit within two years prior to signing up.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
Note: Updated reports are typically received every 15-45 days. It is the client’s responsibility to inform us if reports are not received.
5. How Long Will It Take to Raise My Score?
Most clients see an increase of 10 points or more in their credit score within the first 35 days. Over the full 180-day term, the average credit score increase is 80 points.
6. Why Are Your Results Different?
Our unique expertise lies in identifying areas where creditors and credit bureaus have made errors or failed to comply with regulations. On average, our clients successfully remove 70% of negative items from their credit reports.
However, in rare cases where creditors and bureaus have done everything correctly, we may not have a case. This transparency is a cornerstone of our service.
However, in rare cases where creditors and bureaus have done everything correctly, we may not have a case. This transparency is a cornerstone of our service.
7. Will Removed Items Come Back?
No. Items that are current or paid at the time of removal, or collections older than three years, cannot reappear—except in extremely rare circumstances.
8. What Items Can You Help Remove or Improve?
Our clients have successfully resolved the following with our assistance:
- Bankruptcies
- Foreclosures
- Collections
- Charge-offs
- Repossessions
- Medical bills
- Credit card debt
- Inquiries
- Late payments
- Old addresses
- Judgments
- Tax liens
- Student loans
