Questions

Why don’t you sign up clients over the phone?

We prioritize compliance and efficiency:

1. Regulatory Compliance: Federal laws restrict selling credit repair services over the phone, and while we disagree with this rule, we strictly adhere to it. Some companies bypass these regulations, but we maintain integrity.

2. Efficient Support: By offering free online credit assessments, we can help a larger audience and keep fees low. Reserving phone support for enrolled clients ensures top-notch service for those already signed up.

Is Credit Training legal?
Yes, credit training is legal under the Fair Credit Reporting Act (FCRA), which gives you the right to dispute items on your credit report. If an item cannot be verified within 30 days, it must be removed. Studies show that 79% of credit reports contain errors, and we use this to your advantage by preparing tailored dispute documents to challenge unverifiable or incorrect items effectively.

Is Credit Training and Education worth my time and money?
Absolutely, especially for those with a credit score below 720. Credit training works when guided by experienced professionals. While financial circumstances and timeframes may affect results, even accurate items can be removed if creditors fail to adhere to legal requirements.

What can I expect when I enroll?
You’ll receive comprehensive guidance and document preparation from start to finish. With in-depth knowledge of credit laws and scoring, we’ll handle communication with creditors and credit bureaus, leveraging our expertise to achieve results. Our money-back guarantee ensures your peace of mind.

How long does it take to see results?

• Initial Improvements: 93% of our clients see a credit score increase of at least 10 points within 35 days.

• Long-Term Results: Over a 180-day term, the average score increase is 80 points.

Why are your results different?
We focus on removing 70% of negative items from credit reports on average. However, in cases where creditors and bureaus have done everything correctly, success may be limited.

Can removed items come back?
No, as long as the items are current, paid at the time of removal, or older than three years. Rare exceptions may apply.

What items can you help remove or improve?

We’ve successfully assisted clients with:

• Bankruptcies, foreclosures, collections, charge-offs, and repossessions.

• Medical bills, credit card debt, inquiries, and late payments.

• Old addresses, judgments, tax liens, and student loans.