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.
What is a credit forensic audit and how does it differ from credit repair
Traditional credit repair is simply disputing everything on a credit report and just say its not yours. Does this strategy work sometimes? Yes, a broken clock is right 2 times a day.
- We actually want to make sure your rights are protected as per the Fair Credit Reporting Act and Fair Debt and Collection Practices Act entails
- We do dispute to the credit bureaus but only after we make sure that the information is accurate on your credit report, the name that is on your drivers license, all your previous and incorrect addresses and variations of your name, employers, old phone numbers we work to get all that information off of the credit report.
- Remember everything on a credit report has to be 100% accurate and verifiable, so we will have a meeting and go thru your credit report, if you do not know or remember an account origination or do not know where a collection agency debt stemmed from, it is your right for us to audit them for compliance of laws that are in place to protect your rights.
- We also have a legal alternative of actual lawyers that specialize in Consumer Credit Rights that non compliant cases we can have them review your case, and if they agree with our recommendation, they will sue the non compliant creditor with no upfront money and you may be eligible for compensation
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.
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.
Can you help me buy a house?
Yes, when we do our intake process, we will ask you a lot of questions related to a possible home loan for you whether you are refinancing your house or want to purchase we can help you. We have our mortgage division in house and we work hand in hand together to get you to your goal. In some cases, we buy properties for individuals if we see a property that we can buy at a discount, renovate the property and allow you to rent temporarily until your credit scores are strong enough for us to start your loan. Please look at our sister website www.ushousingexchange.com for details on how our "My Landlord Is Fired" program could potentially help you.
