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, money back guarantee system.
How long will it take to raise my score?
Through our innovative and aggressive credit correction program you will start to see results almost immediately, within the first 30-45 days. With the majority of our clients completing the program within 3-4 months.
Why are your results different?
Our results are different because of the entity we audit. While most companies spend the majority of the time disputing the three major credit bureaus, our philosophy has always been the permeant and not the temporary, that is why the bulk of our work is done directly with the original creditors and collection companies.
Will the removed items come back?
No. This is because of our approach of with the original creditors and collection agency’s. In the rare event that something is re-reported on your report we will address the item at no additional charge to you.
What items can you help me to remove and improve?
While there isn’t any one item on a report that we have not had success auditing and removing like, collections, charge-offs, late payments, judgments, foreclosures, and bankruptcies, medical bills, inquiries, old addresses, student loans, that doesn’t mean that we are the right company to assist you.