Frequently Asked Questions
Results vary by individual credit profile, and no outcomes are guaranteed.
Frequently Asked Questions
Credit repair is the process of identifying and disputing inaccurate, incomplete, or outdated information on your credit report. The goal is 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.
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.
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 your credit.
If you believe you are one of the 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.
There are two sides to the credit 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 negative items from a credit report.
Through our services, 93% of our clients see their credit is 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit is 80 points.