Frequently Asked
Is Credit Training And Credit Restoration 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 but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Is Credit Restoration and Education worth my time and money?
Contrary to what credit reporting agencies want you to believe, credit restoration 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 Restoration?
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 your 100% Guarantee?
You are entitled to a 100% refund on all monthly payments if:
- You do not remove more than 10% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 30-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
- You do not remove more than 10% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 30-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
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 a full 180-day term of the service, the average credit score increase is 60 points. See full statistical breakdown. Keep in mind that removing negative, out dated, or unverifiable items from your report is only a part of the picture. We advise our clients on the best practices they can do to keep your score going up. Some things are out of our control. For example: We could get 5 negative items removed that would normally raise your score 40 points, however, you maxed out a credit card which lowered your score 80 points. Get the picture? Let us control what we can and you pay close attention to our advise on how to boost your score even further.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit reporting agencies have done absolutely everything right and we have no case against them. On average, clients are able to remove 50% 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.
These people had amazing results
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"Thank you creditrepairwiz.com! I'm closing on my new house next week and it would have never happened without your hard work!"
Jack W.
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" I was a skeptic for sure. You guys not only helped me clean up my report but your suggestions for new credit were spot on!"
Robert C.
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"I almost lost my job because I didn't have a reliable car. Thank you so much CRW you've truly changed my life."
Gloria B.
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