Frequently Asked
Is Credit Training 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 by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Is Credit Training and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit training 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 Education?
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 do we require from our clients?
We are in this together! When we go into an agreement with a client we ask for the client to do the following:
- Allow 30-45 days for a response to the first set of letters that we send to credit bureaus, creditors, collection agencies, and other institutions.
- Provide us with any correspondence that you receive from the credit bureaus, creditors, collection agencies, and other companies concerning your disputes.
- Inform us if the agencies decide not to respond within the required timeframe (15 or 30 days) as prescribed by the FCRA.
- Trust the process! We plan to be as transparent as possible with our services.
- Finally, 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 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
- Allow 30-45 days for a response to the first set of letters that we send to credit bureaus, creditors, collection agencies, and other institutions.
- Provide us with any correspondence that you receive from the credit bureaus, creditors, collection agencies, and other companies concerning your disputes.
- Inform us if the agencies decide not to respond within the required timeframe (15 or 30 days) as prescribed by the FCRA.
- Trust the process! We plan to be as transparent as possible with our services.
- Finally, 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 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 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 our full statistical breakdown.
Why are your results different?
There are two sides to the credit score battle; let's explain. 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 up to 70% of the negative items from a credit report. We strive for removing 100% of negative items for our clients, and have done so on several occasions.
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 removing 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!
Note: Results will vary for each client.
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"Since my first consulting, my credit score is now 710 after three months of work of removing inaccurate items...I started with a 525."
Michelle A. |
"To create a better life for my family and foundation for my business, I signed up and saw a 40 point jump in a month! Would highly recommend."
Frank C. |
"I needed a fresh start, and Precise Credit 360 allowed me to get credit education and credit repair. After 2 months, my score has gone up 99 points!"
Lakeetha B. |
