FAQ

​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. 

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.

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.

You are entitled to a 100% refund on all monthly payments if:
- You do not see results in 30 days.  

- We do not remove any negatives worked on.

- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.

- You have had no new collections or missed payments during the time frame we are assisting you.

- You have maintained credit monitoring services during the time frame we are assisting you.

- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.  You should receive correspondences in the mail during the time frame we are assisting you.  It is important to make us aware of any updated reports you receive.
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​Through our services, 93% of our clients see their credit score increase 80 points or more in the first 35 days. Over the recommended full 180-day term of the agreement, the average credit score increase is 120 points.  Pay all of your bills on time, every time.  This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards.

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.

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.

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.