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 remove more than 25% of all the negatives worked on.
• You have had six months from the time you retain our services.
• You have at least four negatives on the credit report at the time of sign-up.
• You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
• You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 30-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
Through our services, 95% of our clients see
their credit score increase 30 points or more in the first 35 days. Over the full
180-day term of the contract, the average credit score increase is 100-150 points. See
full statistical breakdown.
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 80% of the negative items from a credit
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.