Frequently Asked
Is Credit Training legal?
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.
Is Credit Training and Education worth my time and money?
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.
What can I expect when I enroll in Credit Education?
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.
Do you offer a refund policy? If so, what do you offer?
Yes, please see our policy here: Refund Policy
Do you offer a money-back guarantee? If so, what do you offer?
YES WE DO! We stand behind our services and the quality of our work. Please see our policy here: Money-Back Guarantee Policy
How many packages do you offer?
Monthly Plan / $89 per month
Pay in Full / $499 one time fee for 6 month period
Pay in Full / $499 one time fee for 6 month period
Whats included in the packages?
24/7 Client Portal Access
Credit Tips via Email
Month to Month Credit Updates via Portal
Support by Phone & Email
Unlimited Disputes to TransUnion, Equifax & Experian
Unlimited Disputes to Creditors
Money back Guarantee
Credit Tips via Email
Month to Month Credit Updates via Portal
Support by Phone & Email
Unlimited Disputes to TransUnion, Equifax & Experian
Unlimited Disputes to Creditors
Money back Guarantee
If a client fails to make designated payment, after how long will you terminate the client?
We provide a grace period of 7 days before terminating their contract.
We provide a grace period of 45 days before they can come back without having the pay the startup fee again.
NSF FEE: $15
LATE FEE: after 7 days $10
We provide a grace period of 45 days before they can come back without having the pay the startup fee again.
NSF FEE: $15
LATE FEE: after 7 days $10
How to cancel services? Telephone, email, or letter?
The client can initiate the cancellation process by phone or email, but we will have to receive the final cancellation by mail.
How long will it take to raise my score?
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. See full statistical breakdown.
Why are your results 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.
What happens if a client applies for new credit cards/loans while in the program?
If the client applies for new credit while in our program, we will reach out to see what they applied for, the reason they applied for it. We will verify if they were approved or denied and if there is anything else they will be applying for.
We notate the client’s account and let them know if something else comes up that requires a credit pull, they are required to let us know beforehand. In some instances we have options to recommend that will not affect their scores.
If we are not notified beforehand, we reserve the right to automatically cancel their membership.
We notate the client’s account and let them know if something else comes up that requires a credit pull, they are required to let us know beforehand. In some instances we have options to recommend that will not affect their scores.
If we are not notified beforehand, we reserve the right to automatically cancel their membership.
Will the removed items come back?
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.
What items can you help me to remove and improve?
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.
These people had amazing results
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"My credit score is in the 7's and I'm thrilled! I highly recommended this company for all your credit boosting needs!"
Callum R. |
"I saved over 18,000 dollars and my score jumped 99 points and I'm still shocked that it was even possible."
Dave I. |
"Elle explained to me every detail along the way and walk me through the steps how to get a better score. What a blessing!"
Gloria G. |
