FREQUENTLY ASKED QUESTIONS

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.

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 can I expect when I enroll in Credit Education?

What is your 100% Guarantee?

At CreditRx, we are committed to providing you with the highest quality service and support. We believe in the effectiveness of our solutions, and that’s why we stand behind them with our 100% Satisfaction Guarantee. If you're not completely satisfied with our services, let us know within 7 days before your due date, and we will make it right or cancel your services without penalty.

Additionally, you have the right to cancel your contract within 3 days of enrollment for any reason. Your trust and confidence are our top priorities, and we will stop at nothing to ensure your experience with us exceeds your expectations!​​

How long will it take to raise my score?

​Through our services, 75% of our clients see their credit score increase in the first 30-45 days. Over the full 180-day term of the contract, the time it takes to raise your credit score can vary based on individual circumstances, including your current credit situation and the steps being taken for improvement. Generally, you may start to see changes within a few weeks to a few months, especially if negative items are removed or you improve your credit utilization. It's important to remember that building a great credit score is usually a gradual process. If you have specific goals or timelines, feel free to share, and I can offer more tailored advice!

Why are your results different?

Here are a few key reasons why results may vary:

1. **Current Credit Score**: If your current score is low due to multiple negative items, it may take longer to see significant improvements compared to someone with fewer issues.

2. **Type of Negative Items**: Some negative items, such as late payments, may be resolved faster than others, like charge-offs or bankruptcies, which may remain on your report for several years.

3. **Credit Utilization**: Your spending habits and credit usage impact your score. Lowering your credit utilization ratio can have a quicker positive effect on your score.

4. **Dispute Process Duration**: The credit repair process involves disputes with credit bureaus and creditors, which can take time. The timeline for these disputes can vary depending on the responses from the parties involved.

5. **Proactive Steps**: Your own actions, such as making timely payments, reducing debt, and avoiding new negative items, will also contribute to how quickly your score improves.

While we strive to expedite the process and provide you with the best possible outcomes, it’s essential to remember that patience is key. We’re here to guide you every step of the way and keep you informed about your progress!

Will the removed items come back?

Once an item is deleted from your credit report, it cannot be reinstated without written consent because the Fair Credit Reporting Act (FCRA) protects consumers from inaccurate or unjust negative information on their credit reports. When a dispute results in the removal of an item, the credit reporting agencies and creditors are required to respect that decision unless you provide explicit written authorization for its re-addition. This policy ensures that consumers have control over the information that appears on their credit reports and reinforces the principle of transparency in credit reporting. Our goal is to empower you to build and maintain a positive credit history, so we prioritize your rights and advocate for your best interests throughout the credit repair process.

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, hard inquiries, late payments, old addresses, judgments, tax liens and student loans.