Frequently Asked
Is Credit Training legal?
Credit education is completely legal, and our document preparation services help you use consumer protection laws to your advantage. You have the right to dispute any item on your credit report, and if it can’t be verified within the required timeframe (typically 30 days), it must be removed. Studies show nearly 8 out of 10 credit reports contain errors, which is why many clients see improvements quickly. When creditors can’t produce proper documentation, items are often deleted — and when verification is vague, we prepare strategic challenges on your behalf. This is where our expertise makes the difference.
Is Credit Training and Education worth my time and money?
Despite common misconceptions, credit education is highly effective in most situations — especially when guided by an experienced professional. Anyone with a score below 720 can benefit long-term from personalized credit guidance. That said, results depend on two key factors: your current financial situation and your desired timeline. While even verified items may be removed if creditors fail to follow required procedures or deadlines, success varies by case. My role is to strategically guide you through the process and help position your credit for meaningful improvement.
What can I expect when I enroll in Credit Education?
I guide you through the entire process from start to finish, preparing all documentation on your behalf. With extensive knowledge of credit scoring and hands-on experience working with creditors and credit bureaus, I simplify what can often feel overwhelming. Understanding the laws and reporting regulations takes expertise — and that’s where I come in. I leverage proven strategies and consumer protections to help challenge negative items and position your credit for meaningful improvement.
How long will it take to raise my score?
Every credit profile is unique, and results can vary. While we can’t guarantee that every item will be removed or that outcomes will be perfect, credit improvement is a process. I’m committed to working ethically and diligently with every client, doing my absolute best to help strengthen your credit profile and guide you toward meaningful progress.
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?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
