Frequently asked questions

Yes. Credit training is legal and our credit education and document processing services help you use the law in your favor. That law is the Fair Credit Reporting Act. The FCRA gives you the right to dispute any item on your credit report, and if that item cannot be verified within a reasonable time, usually 30 days, it must be removed.

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances — but only if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term. Two things limit us: your financial situation, and the time frame in which you need to reach your results.

We 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 is difficult for an individual to communicate with bureaus without an understanding of their techniques and the regulations in place for credit reporting.

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. These are our past averages, not a promise. Every situation is different.

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.

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 success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

No, and neither can anybody else. Accurate, current and verifiable information cannot be removed from a credit report. Any company that tells you otherwise is not telling you the truth. What we dispute is information that is inaccurate, erroneous, false or obsolete.

No. You have the right to dispute items on your own credit report yourself, free of charge, by contacting the credit bureaus directly. What you are paying us for is the knowledge of how to do it, the documents, and somebody to do it for you.

You have the right to cancel your contract for any reason within 3 business days of signing it, by sending written notice as outlined in your client agreement. After that, you may cancel services at any time — please notify us in writing 7 days before the next billing period.