Frequently Asked Questions
How does your Program Work?
- Schedule Your Consultation
- Credit repair specialist will reach out to you
- Get access to your client portal
- Credit repair specialist works on your letters and send them off
- Wait 30-45 days to hear back from the credit bureaus and creditors
- Upload your documents from the credit bureaus and creditors to your client portal
It is no guarantee that items will get removed on the first round, if items do not get removed from the first round, we will send another round of letters.
It is not an overnight process, it takes time and patience. Your credit repair specialist will do their part, but you also must do your part in a timely manner. If you’re ready to start this partnership, click here
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.
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 will email you every 35 days on updates.
HOW LONG WILL IT TAKE TO RAISE MY CREDIT SCORE?
There is no guarantee that your score will increase during the credit repair process. Everyone is different. Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 365-day term of the contract, the average credit score may increase 80 points.
AM I STILL ENTITLED TO MY DEBT, ONCE MY ACCOUNTS ARE REMOVED?
Yes, you are still entitled to your debt. We do not erase debt, we remove negative accounts from your credit report, but the debt is still owed.