Frequently Asked Questions
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 system.
What is Your Policy?
Considerable work goes into credit education. This involves understanding our clients’ history, needs and aspirations to help tailor solutions best for them. We apply over 20 years of knowledge and industry professionalism, but many factors are beyond our control, such as the speed at which 3rd parties operate.If you are unhappy with our service, you can discuss this in detail with us at any time. In advance of engaging our services we will work to set your expectations for performance and speed accordingly, however you can expect to engage with us with the following objectives / results.
- We will aim to resolve at least 25% of credit issues on your report.
- We will aim to resolve these issues within six months from the time you retain our services.
- You have at least four negatives on your credit report at the time of signing up with us.
- 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 us updated reports from the three credit bureaus to us within 5 days of receiving them.
- You continue to receive updated credit reports every 15-45 days and make us aware if updated reports have not been received.
- Obtaining your credit reports will often come at an additional cost to you; you should budget $20 to $30 / month for this service, paid directly to a 3rd party (which we will recommend).
Please note that if you pay by credit card we only work to terms of Zero Charge Back without Arbitration
You may cancel services at any time. Please notify us in writing 7 days before the next billing period.
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.
Here are just a few case studies (real expertise, client privacy protected).
Dave works in the nation’s remote area. His work isn’t stable. He needed a new vehicle to get to / from work. We helped him secure an improved interest rate and get it reported on his credit bureau, thus improving his score and stabilizing his file.
Shanice is a famous singer, and Jake is a successful IT consultant; they have no kids. Their work is financially rewarding, but highly cyclical. We helped them renegotiate credit card debt, removing punitive interest rates.
Shanice and Jake
Jorge is a multiple unit rental landlord in a major city. Renters generate seasonal income so Jorge is often over-extended in his commitments. We repackaged his portfolio to better manage his debts and free up cash for reinvestment in his business.