Credit Repair In Newport Beach, CA – Our Clients’ Frequently Asked Questions

Q. Are your credit training services legal?

A. Yes, credit training is legal. Our credit education and document processing services can help you use the law in your favor to improve your credit. The law is known as “The Fair Credit Reporting Act (FCRA). The law gives you the right to dispute any items on your credit report. If the disputed item cannot be verified within a reasonable timeframe (typically 30 days), it must be removed. Studies show that 79% or nearly 8 out of 10 credit reports contain errors. This means that most credit reports are able to improve immediately. For disputed items that turn out not to be errors, a creditor or furnisher is often unable to provide the records of signed documents or other proof that the item is valid. Without evidence that the item is correct, the disputed item will get removed. In some cases, the furnisher will claim that the debt has been verified but won’t offer proof. Our job is to prepare the necessary documents to challenge these claims, and we are very skilled at doing so.

Q. Is credit training and education worth the money and time investment?

A. The credit bureaus will try to convince you that credit training and education are futile activities. However, credit training does work in most circumstances, as long as you get the best advice from an experienced professional. Anyone with a credit score below 720 can benefit from the advice and information provided through credit education for long-term results. However, there are some limiting factors that can prevent us from helping you. The two main factors include your financial situation and the timeframe with which you need to reach your results. It is possible to remove anything from your credit report, even accurate items. For instance, if the creditor listing the item makes a mistake or doesn’t adhere to the specific timeframe, the negative item may be removed.

Q. What comes next when I enroll in credit education?

A. Once you sign up with our credit repair services, we will guide you through the process from start to finish. We will prepare all the credit documents for you using our superb knowledge of credit scoring and experience working with both creditors and bureaus. It is sometimes difficult for the average person to communicate with creditors and bureaus, as they lack the adept understanding of the proper techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that can help you remove negative information from your credit reports. This enables us to offer you a flawless system with a money back guarantee.

Q. How does your 100% guarantee work?

A. We will refund 100% of your monthly payments if:  
  • You do not remove more than the 25% of all the negative items being worked on.
  • Six months have passed since the time you first retained our services.
  • You have at least four negative items on your credit report at the time of sign-up.
  • You have not used a credit consulting agency nor attempted to repair your credit for a span of two years prior to using our services.
  • You agree to send updated reports from the three major credit bureaus to us within five days of receipt of sign-up.
  As a client of ours, you should receive updated credit reports every 15 to 45 days. It is your responsibility to make us aware if your updated reports have not been received.

Q. How long will it take to raise my credit score?

A. 93% of our clients see their credit scores rise by 10 points or more in the first 35 days of using our services. Over the full course of our 180-day contract, the average credit score increases by 80 points.

Q. Why are the results different for each client?

A. There are two sides to every credit score battle. In some cases, the creditors and credit bureaus have done everything correctly and we have no case against them. On average, our clients are able to remove 70% of all negative items from their credit reports.

Q. Can removed items on my credit report ever come back?

A. No. Items cannot return as long as they are current or paid at the time of removal or if the collection is older than three years. Items only return in very rare circumstances.

Q. What items can you help me remove or improve?

A. With our help and document processing, our clients have experienced terrific success with bankruptcies, charge-offs, foreclosures, collections, medical bills, repossessions, credit card debt, late payments, inquiries, tax liens, old addresses, judgments, and student loans.

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CALL US NOW: 949-220-2515