Making Your Future a Success

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.

Our company will not only remove all the negative and inaccurate information on your credit reports but we will also educate you on how to continue to build and increase your credit scores.

You are entitled to a 100% refund on all monthly payments if:
- We do not remove any negatives worked on.- You have had 120 days (4 consecutive months) from the time that you retain our services.- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.- You have had no new collections or missed payments during the time frame we are assisting you-You have maintained credit monitoring services at all times during the time frame we are assisting you- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.

 Never charge more than 20% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 20% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

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.