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Is Credit Repair Training legal?
Yes, credit repair training is legal. Our credit education and document processing services will help you to use the law in your favor. This 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.
According to a recent study by the Federal Trade Commission, 79% of all credit reports contain errors. Therefore most credit reports could potentially improve within the first 30-45 days.
For disputed items that are accurate and do not contain errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted timeframe and therefore the law allows them to be removed. Sometimes the furnisher will say an item has been verified without offering proof. However, it is our job to prepare documents that challenge this and request either proper documentation or a deletion. We are very skilled at this.
According to a recent study by the Federal Trade Commission, 79% of all credit reports contain errors. Therefore most credit reports could potentially improve within the first 30-45 days.
For disputed items that are accurate and do not contain errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted timeframe and therefore the law allows them to be removed. Sometimes the furnisher will say an item has been verified without offering proof. However, it is our job to prepare documents that challenge this and request either proper documentation or a deletion. We are very skilled at this.
Is Credit Repair Training and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit repair training is very effective 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 that is included in our credit repair & coaching plans.
However, there are limiting factors that will prevent us from helping you. Three main factors are:
Anyone with a credit score below 720 can benefit long-term from the advice and information that is included in our credit repair & coaching plans.
However, there are limiting factors that will prevent us from helping you. Three main factors are:
- how soon you will be able to enroll in our program (referral bonuses can offset the cost of your credit repair and coaching plan)
- your willingness to adhere to the advice that is incuded in the initial Credit Audit (see Helpful Tips )
- the time frame in which you need to reach your results
What can I expect when I enroll in Credit Repair Education?
We will guide you through the process from start to finish and prepare all of the required 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 their creditors and the credit bureaus without an adept understanding of both their practices and the federal regulations that are 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.
What is your 100% Money Back Guarantee?
You should receive updated credit reports every 30-45 days. You agree:
You are entitled to a 100% refund on all payments excluding the initial document processing fee if:
- to send updated reports from the three credit bureaus to us within 5 business days of receipt
- to make us aware if updated reports have not been received
You are entitled to a 100% refund on all payments excluding the initial document processing fee if:
- You have negative items on your credit report at the time of sign-up
- You have not used a credit-consulting agency nor attempted to repair your credit within two years prior to signing up for these services
- You have retained these services for at least six months
- You have submitted all requested documentation within 5 business days
- The credit bureaus do not remove any of the negative items worked on
- Your credit scores do not improve using the recommended strategies
What is your Cancellation Policy?
You may cancel our services at any time. Please notify us in writing at least 5 business days before the next billing period.
What items can you help me to remove and improve?
With our assistance, our clients have had great success with removing bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, judgments, tax liens and student loans, incorrect names and addresses that could possibly be due to identity theft in some cases, and other types of incorrect and/or negative items that may appear on a credit report.
How long will it take to raise my score?
FICO, VantageScore and other types of credit scores are calculated by the credit bureaus. Unfortunately, we do not directly control this process.
However, reducing the number of negative items that may be adversely impacting your scores is taken into account by all of the credit scoring models that are used. Through our services, many of our clients see increases within the first 45 days. Over 6 months, the average credit score may increase significantly.
However, reducing the number of negative items that may be adversely impacting your scores is taken into account by all of the credit scoring models that are used. Through our services, many of our clients see increases within the first 45 days. Over 6 months, the average credit score may increase significantly.
Why are your results more effective?
In many instances, clients are able to successfully remove some or all of the negative items from their credit report simply by applying the Fair Credit Reporting Act (FCRA) during the dispute process. The Fair Credit Reporting Act (FCRA) works in the consumer's favor.
In other instances, the creditors and the credit bureaus have actually done everything right, and the negative item can only be removed by writing a goodwill letter, making a payment to settle the debt, or waiting until the statute of limitations has expired.
Eventually it will be removed. Depending on the facts and the circumstances, it may simply take more time.
In other instances, the creditors and the credit bureaus have actually done everything right, and the negative item can only be removed by writing a goodwill letter, making a payment to settle the debt, or waiting until the statute of limitations has expired.
Eventually it will be removed. Depending on the facts and the circumstances, it may simply take more time.
Can the items that were removed reappear at a later date?
In most instances, items cannot reappear as long as they are current or paid at the time of removal, or if it is a collection account that is older than three years.
Frequently Asked Questions
Credit repair training...
is legal, effective and helps to remove negative items from credit reports |
The Fair Credit Reporting Act...
is a law that works in your favor |
If you credit score is less than 720...
you can benefit long-term from our credit repair & coaching plans, SIGN UP NOW! |
