Frequently asked questions
Is Credit Repair 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 Repair worth my time and money?
Contrary to what credit bureaus want you to believe, credit repair does work. But it only works if you are working an experienced professional. Anyone with a credit score below 720 can benefit long-term from credit repair. However, there are limiting factors that will prevent us from helping you. Two main factors are:
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. We often get the bureaus to delete some negative items on the first try. Over a full 180-day term of service, the average credit score increase is 80 points.
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.
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?
We can remove many items such as bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, incorrect personal information, judgments, tax liens and student loans.
What if my negative items are accurate?
Per the Fair Credit Reporting Act law, any item on a credit report must be 100% accurate and verifiable. We challenge and remove negative items that actually migh be the clients account. If the creditors or credit bureaus do not follow the law and are unable to legitimately verify an account then they are legally required to remove the items that cannot be verified with an original signed contract.
What are the three credit bureaus?
The 3 credit bureaus are consumer reporting agencies that report information on behalf of the various creditors and courthouses. They then sell the information to parites such as potential lenders. This information is what makes up a consumer credit report. The three major credit bureaus are Equifax, Transunion, and Experian. However there are some smaller credit bureaus that we will dispute directly with on a case by case basis to get the results needed for our clients.
How long will it take to fix my bad credit?
This is a questions that all of our customers ask. Our goal is to remove negative items as fast as possible so they can get their house, car, credit or business funding. However every customer has different credit situation so it is impossible to predict a timeframe. Our goal is to continuosly improve your score throughout the time you work with us. We are just as impatient as you are so we like to see successful results immediately.