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 are disputed and 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 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 in the long term from 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 a mistake or fails to 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. 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 credit bureaus without a solid understanding of their practices and the regulations governing credit reporting. We have spent a great deal of time learning the laws that will help you remove negative information from your report, which enables us to offer you a flawless, money-back guarantee.
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 before 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 before 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 increase in credit score 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 can remove 70% of 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 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.
