Is Credit Training a legal practice?

Yep! Credit training is completely legal and this fortified education and document processing program allows you to navigate the laws with confidence and ease. The law that works in your favor is called “The Fair Credit Reporting Act,” and this pathway provides you the ability to dispute any item on your credit report. If and when any notation in your file cannot be verified within a timeframe deemed reasonable (typically 30 days), that item must then be removed. A recent study shows that nearly 80% of all credit reports include numerous errors. This means that nearly 8 out of 10 reports contains erroneous information. Thus, it’s a legal requirement that credit reporting bureaus must remove erroneous marks. When this happens, most credit reports improve immediately. Any disputed items that are not errors require a creditor to provide signed documentation within an allotted timeframe. If they cannot do so, the item gets removed. Oftentimes, furnishers state that items have been verified, but not offer proof. Therefore, it’s the job of us at Credit Repair Clinic to provide documents that challenge this and make sure we effectively fight in your favor.

Is the process of Credit Training and Education worth my time and money?

It’s always in a creditor’s best interest to keep you in debt. So, contrary to what the major credit bureaus want you to think, credit training is a highly effective practice in most cases. However, this process will only work in your favor if you’re working with qualified experts and specialists that are giving you the best advice available. If your credit score is less than 720, you can benefit from credit training and education provided through Credit Repair Clinic. While we encourage anyone struggling with their credit to reach out to us for assistance, there are two limiting factors that can stand in the way of getting you the best results. (1) The current state of your finances and/or (2) the time frame in which you’re seeking to achieve improvement. It is 100% possible to remove anything from a credit report, even marks that are correct. We can make this happen for you. 

What should I expect when I seek assistance from Credit Repair Clinic?

Credit Repair Clinic is here to help you through the process of improving your credit score every step the way. While guiding you through this type of program, our vast knowledge base and background will allow you to communicate with creditors and bureaus with confidence and success. We’ll offer you our adept understanding of the techniques used by the major credit bureas as well as the regulations in place for credit reporting. Our expertise allows us to know the ins-and-outs of the laws involved in helping you remove negative or erroneous information on your report. We are confident in our program and have helped thousands of individuals reach their financial goals. There is nothing stopping you from getting there — contact us today and learn about our 100% money back guarantee!

Can you tell me about your 100% Money Back Guarantee?

Our money back guarantee entitles you to a full and complete refund if: 
– More than 25% of all the negatives on your reports are not removed.
– You are over the six month period from the time you began the program with Credit Repair Clinic.
– You have at least four negatives on the credit report at the time of sign-up.
– You haven’t used a credit-consulting agency or tried to repair your credit two years prior to signing up for Credit Repair Clinic services.
– You agree to share updated reports from the three credit bureaus to us within 5-days of receipt.
(Keep in mind that clients should receive updated credit reports every 15-45 days. It is your responsibility to make us aware of updated reports that we have notreceived).

How long does it take to improve my credit score?

When using our Credit Repair Clinic program, 90% of customers see an increase of 10+ points within the first 35 days. Over the full 180-day term of the contract, you’re likely to find an increase average credit score of 80 points. 

How are your results different than other services?

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.

Can any negative items on my report come back?

Nope, anything that is removed from your credit report cannot come back. As long as the item is current or paid at the time of the removal, or the collection is older than three years. This holds true except in very rare circumstances.

What type of items can you help me to remove and improve overall?

With Credit Repair Clinic’s specialists assistance and document processing, our clients have experienced incredible success with overcoming bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.