Frequently Asked
Is Credit Training legal?
Yes, credit training is legal and our Mentorship, credit education, and document processing software will help you to use the law in your favor. That law a part of Consumer Law and is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your consumer 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 consumer reports contain errors. This is nearly 8 out of 10 reports. Therefore most consumer reports improve immediately. Sometimes, or 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 teach you how to recognize this issue and you prepare your documents that challenge this and we are very knowledgeable about that.
Is Credit Mentorship, Training, and Education worth my time and money?
Contrary to what consumer reporting agencies want you to believe, credit mentorship, training and education 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 Mentorship, training, and 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 consumer report, even accurate items, depending on the circumstances. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative or accurate item may be removed. We have seen this happen on numerous occasions.
What can I expect when I enroll in Credit Mentorship, Training, and Education?
We will teach you a tremendous amount of information regarding Consumer Laws, your rights, and the remedies available to you according to the enumerated statutes that have bee put in place to protect you. We give you all the tools needed to prepare all your documents. We have a superb knowledge of credit analyzing, credit scoring, and experience working with creditors and consumer reporting agencies. It may be difficult for an individual to communicate with creditors and the agencies without an adept understanding of their techniques and the regulations in place for consumer reporting. We have spent a great deal of time learning the laws that will help you to remove errors, mistakes, and 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 25% of all the errors, mistakes, and negatives you worked on.
- You have had six months from the time you entered the Mentorship.
- You have at least four errors, mistakes, or 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 consumer reporting agencies to us within 5 days of receipt.
(Clients should receive updated consumer reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
- You do not remove more than 25% of all the errors, mistakes, and negatives you worked on.
- You have had six months from the time you entered the Mentorship.
- You have at least four errors, mistakes, or 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 consumer reporting agencies to us within 5 days of receipt.
(Clients should receive updated consumer reports every 15-45 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 Mentorship, 93% of our students have been able to raise their credit score 10 points or more in the first 35 days. Over the typical 180-day term of the Mentorship, the average credit score increase is 80 points. See full statistical breakdown.
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, Mentees/clients are able to remove 70% of the negative items from a consumer 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. We have seen it happen but we also know what the law says about the consumer reporting agency placing information back on the report.
What items can you teach me to correct, remove and improve?
This is the greatest Mentorship on Earth and our Mentees have had great success with everything from bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans. "There Is LIFE After DEBT!"
These people had amazing results
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"These guys taught me the power of consumer law and it helped me out of a bad situation that kept me from filing bankruptcy and I got my credit on point. I'm truly all smiles."
Mishawl M. |
"Mike calls himself 'Dr. Credit' and he truly is. He opened my eyes to the rights I had NO idea I had and I brought my credit back to life. He's the best!"
Michia H. |
"I was so lost after trying to fix my own credit and getting minimal results. Credit Medics helped me understand how to properly read and analyze my report and I got it straight and my score up 78 pts. Now I'm in the 700 club. Yaaaaaayyyyy!!!"
Sharon L. |
