Frequently Asked
Is Credit Training legal?
Yes, credit training is legal and our credit education and document processing services will help you 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. Three main factors are: (1) your financial situation and/or (2) How motivated and committed you are to carryout your responsibilities to ensure your credit improvement plan is successful (3) 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, or is non-compliant with any part of the law, the inaccurate/invalid item may be removed. Please note that improving your credit does not absolve you from paying valid debts (unless illegal), in many cases certain items will no longer be reported on your credit file but just as we have integrity in how we conduct our company's business, we encourage our clients to do the same through the proper handling and resolution of their debts with creditors. We will review your individual circumstances and make recommendations to ensure your results are optimal and can be sustained long-term.
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 is your 100% Guarantee?
You are entitled to a 100% refund on ALL monthly service fee payments (enrollment fee excluded), if:
You may cancel services at any time. Refunds for payments made prior to cancellation will not be given, unless you fully qualify for a refund based on our money back guarantee listed above. Please notify us in writing at least 7 days before your next billing date. Your written notice can be mailed to the address below or sent to billing@gfcsfirm.com. The date it is received in our office or inbox will be considered your official cancellation date and your service will remain active through your current paid through date.
- You have had seven or more months from the time you retained our services with less than a 15 point boost achieved, at any time during your enrollment, from your starting scores. And.....
- You have not used a credit-consulting agency nor attempted to repair your credit two years prior to signing up for our services. And....
- You send updated reports from the three credit bureaus to us within 5 days of being available via the credit monitoring portal or notify us that they are ready for import. And.....
- You receive updated credit reports every 30-45 days and make us aware if updated reports have not been received. And.....
- You submit via the client portal, US mail, or fax, any and all correspondence sent directly to you from the credit bureaus, original creditors, any other involved party, and/or collection agencies within 5 days of your receipt
You may cancel services at any time. Refunds for payments made prior to cancellation will not be given, unless you fully qualify for a refund based on our money back guarantee listed above. Please notify us in writing at least 7 days before your next billing date. Your written notice can be mailed to the address below or sent to billing@gfcsfirm.com. The date it is received in our office or inbox will be considered your official cancellation date and your service will remain active through your current paid through date.
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 30-60 days (typically less). Over the full 180-day term of the initial contract, the average credit score increase is 80 points. See full statistical breakdown on our services page.
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, clients are able to remove 70% of the negative items from a credit 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.
What items can you help me to remove and improve?
With our assistance and document processing, our clients 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.
