How do I get started?

You can sign up online right now. Within minutes you will receive an email with easy instructions on how to get your credit reports – if you do not already have them. Once we have all three credit reports; we will review your current credit situation. We will analyze and summarize your report and deliver credit summary results during our free phone consultation. We will discuss your goals, the errors on your report, and determine how we can best partner with you. Please see our How It Works page for a detailed step-by-step overview of our process.

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.

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​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.

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​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.

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What is your 90-day Refund Guarantee?

If you are unhappy with your service, you are entitled to a 100% refund on all monthly payments within 90-days if:

  • You have at least four negatives items 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 15-45 days. It is the member’s responsibility to make us aware if updated reports have not been received).
 Our Simple Guarantee means that you can get started today with confidence.

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 your membership, the average credit score increase is 80 points. See full statistical breakdown.

Do you dispute all errors at the time?

We dispute 9 items (3 items per bureau) every 35 days.Many companies dispute far too many items at once, creating additional delays with the credit bureaus causing your result to repair at a much slower pace. Our program is designed to deliver optimal results in the shortest time.

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 four years. This holds true except in very rare circumstances.

Can you help with outstanding debt?

Our Credit Ninjas will always examine each account to determine the correctness of the reporting, but our program does not provide a remedy for legitimate debt.

Is there a charge for credit reports?

​Yes. The charge will be for your monthly monitoring and credit scores. Depending if you choose one of our preferred credit reporting and monitoring services those charges range anywhere from $24.99 – 39.99/month. 

How long does the program last?

Credit situations are different for everyone, however our members are with us on average six months.The duration of the program depends on the number of items that need to be disputed, as well as the responsiveness of both you and the credit bureaus. Once you sign up we will give you a better assessment of your time frame during our credit summary.

What items can you help me to remove and improve?

With our assistance and document processing, our members 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.

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