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  • Is Credit disputing 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.
  • Why do we Dispute debt that is Ours? Why not just pay it?
    It’s called the FACTA Law (Fair and Accurate Credit Transactions Act). It’s not about whether you owe the debt or not, it’s about the Validity of all the information on that debt that they claim is yours: Name, SSN, address, amount owed, creditor name, date, etc. That’s why it’s important to Validate ALL debt and dispute ANY and ALL information that is wrong prior to paying. If you rightfully get a debt that you owe Deleted because of THEIR MISTAKE that just saved you money. You don’t have to Dispute a debt. You can Choose to Pay it. But why pay a debt without knowing if the debt is truly yours or not.... Paying a debt does NOT automatically delete it from your credit report. There are plenty of debt collectors out there that are scamming people. So please educate yourself before you waste money thinking you are making the right decision and you are not. Follow the process AND Educate yourself- You have rights!!!
  • Can You Boost My Credit Score?
    NO my job as a credit repair specialist Is to have Inaccurate, unverifiable, & negative Information removed while at the same time help you build or establish positive credit In return you will utilize YOUR OWN credit and boost your own score. Yes when Items are removed it does Increase but to keep the Increase you must use your own credit to achieve desire. To start to see results it can take up to 30 days by law. (Sometimes Much Sooner)
  • How Long Does Credit Repair Take?
    Credit Repair varies based on the condition and nature of your report. Everyone's credit is different so you can't expect the same results as the next person. It isn’t an overnight process so you shouldn't expect overnight results. I do however; have a goal of 3 months to assist with you getting the results that you desire. To start to see results it can take up to 30 days by law. (Sometimes Much Sooner)
  • What kinds of items are able to come off my credit report?
    We have been successful at removing negative items such as hospital, cable, cell phone, Light/Gas Bill, credit cards, evictions, repossession, parking tickets, library bills, bankruptcies, wage garnishments, ETC...These are just some of the items that have been cleared. We are always willing to challenge just about anything you have on your report.
  • My credit score went down and I can't seem to figure out why. My report says “No Changes” but score has dropped. What am I doing wrong?
    Sometimes your credit score can drop and for some strange reason you can't figure out why. This can be frustrating and disappointing. There are 6 key factors that contribute to a score increase or decrease, reviewing your report and looking for these factors can provide you with that answer. 1. Credit Utilization 2. Payment History 3.Derogatory Marks 4. Average Age Of Open Credit Lines 5. Total Accounts 6. Hard Credit Inquiries

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