Frequently Asked Questions
We hope the answers below are able to address your questions.
Our company will not only remove all the negative and inaccurate information on your credit reports but we will also educate you on how to continue to build and increase your credit scores.
If you believe you are one of the 78% of all consumers which the FTC states have errors on their credit reports, then credit repair may be for you. Remember, credit repair does not eliminate your legal obligations to your debt and you should always pay your bills on time. If you can not afford to pay your current bills on time, then credit repair may not be for you.
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.
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.
Credit repair is the process of identifying and disputing inaccurate, incomplete, or outdated information on your credit report. The goal is to improve your credit score by ensuring that your credit report accurately reflects your financial history.
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.
The length of time varies depending on the complexity of your credit issues. On average, it can take 3-6 months to see significant improvements, but some clients may notice changes in as little as 30 days.
Yes, if we are unable to remove any inaccurate, unverifiable, or outdated information from your credit report within a certain time frame, we offer a money-back guarantee. Please contact us for more details on our refund policy.
No. Only inaccurate, unfair, or unverifiable items can be removed. If an item on your credit report is accurate and verifiable, it cannot be removed, but we can help you manage its impact on your overall credit score.
