Frequently Asked
Is Credit Training Legal?
Yes, credit training is completely legal. Our credit education and document processing services are designed to help you leverage consumer protection laws to your advantage—specifically, the Fair Credit Reporting Act (FCRA). The FCRA grants you the right to dispute any item on your credit report. If an item cannot be verified within a reasonable timeframe (typically 30 days), it must be removed.
Studies show that nearly 79% of credit reports contain errors, meaning most people have inaccuracies that can be corrected. Even for disputed items that are not errors, creditors or data furnishers often fail to produce the required records or signed documents within the deadline, leading to removal. In some cases, they may claim an item is verified without providing proper proof. That’s where we come in—we specialize in preparing dispute documents that challenge these claims effectively.
Studies show that nearly 79% of credit reports contain errors, meaning most people have inaccuracies that can be corrected. Even for disputed items that are not errors, creditors or data furnishers often fail to produce the required records or signed documents within the deadline, leading to removal. In some cases, they may claim an item is verified without providing proper proof. That’s where we come in—we specialize in preparing dispute documents that challenge these claims effectively.
Is Credit Training and Education Worth My Time and Money?
Absolutely! Despite what credit bureaus may suggest, credit training and education can be highly effective when guided by experienced professionals. If your credit score is below 720, you can benefit significantly from expert advice and proven credit strategies.
However, there are factors that may limit our ability to help, including:
However, there are factors that may limit our ability to help, including:
- Your financial situation – If ongoing financial hardship continues to impact your ability to make timely payments, credit improvement may take longer.
- Your time frame – While improvements can happen quickly, credit repair is a process that varies for each individual.
What Can I Expect When I Enroll In Credit Education?
When you enroll in our Credit Education program, we will guide you every step of the way—from evaluating your credit report to preparing and submitting all necessary documents on your behalf.
Our expertise in credit scoring, creditor negotiations, and credit bureau regulations gives us a strategic advantage in helping you improve your credit profile. Many individuals find it challenging to communicate effectively with creditors and credit bureaus due to the complex rules and techniques involved in credit reporting.
We have dedicated extensive time to mastering the laws that protect your rights, allowing us to dispute negative items efficiently and improve your credit report. This knowledge is the foundation of our money-back guarantee system, ensuring you receive the best possible results.
Our expertise in credit scoring, creditor negotiations, and credit bureau regulations gives us a strategic advantage in helping you improve your credit profile. Many individuals find it challenging to communicate effectively with creditors and credit bureaus due to the complex rules and techniques involved in credit reporting.
We have dedicated extensive time to mastering the laws that protect your rights, allowing us to dispute negative items efficiently and improve your credit report. This knowledge is the foundation of our money-back guarantee system, ensuring you receive the best possible results.
What Is Your 100% Guarantee?
We stand by our services with a 100% money-back guarantee on all monthly payments if the following conditions are met:
- We fail to remove at least 25% of the negative items we worked on.
- You have remained enrolled in our services for a minimum of six months.
- You had at least four negative items on your credit report at the time of sign-up.
- You have not used another credit consulting agency or attempted to repair your credit within the past two years before signing up with us.
- You agree to send us updated reports from all three credit bureaus within five days of receipt.
How Long Will It Take To Raise My Score?
Based on our experience:
- 93% of our clients see an increase of at least 10 points within the first 35 days.
- Over the full 180-day program, the average credit score increase is 80 points.
Why Are Your Results Different?
There are two sides to the credit score battle. In some cases, creditors and credit bureaus have followed all regulations correctly, leaving little room for dispute. However, on average, our clients successfully remove 70% of the negative items from their credit reports.
Our expertise lies in identifying inaccuracies, outdated information, and compliance errors that can be legally disputed and removed, helping you achieve the best possible results.
Our expertise lies in identifying inaccuracies, outdated information, and compliance errors that can be legally disputed and removed, helping you achieve the best possible results.
Will The Removed Items Come Back?
In most cases, once an item is removed, it will not return—especially if the account was current or paid at the time of removal, or if the collection account was over three years old. However, in rare instances, a creditor may attempt to re-report an item. If this happens, we can guide you on how to dispute it again effectively.
What Items Can You Help Me Remove or Improve?
With our expertise in credit education and document processing, we have successfully helped clients remove or improve a wide range of negative items, including:
- Bankruptcies
- Foreclosures
- Collections
- Charge-offs
- Repossessions
- Medical Bills
- Credit Card Debt
- Inquiries
- Late Payments
- Old Addresses
- Judgments
- Tax Liens
- Student Loans
Our clients get amazing results
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"My wife and I were excited to buy our first home, but when we applied for a mortgage, we got a rude awakening—our credit wasn’t good enough. It was heartbreaking. We reached out to Assurance Credit Services, and they treated us like family. They walked us through the process, helped us boost our credit scores, and in just a few months, we were pre-approved! Now, we’re living in our dream home, all thanks to them."
David S. – First-Time Homebuyer |
"Starting my own business was a dream, but my credit score was holding me back. I was constantly denied funding, and I felt stuck. Assurance Credit Services changed everything. They not only helped me remove negative marks but also guided me on how to build my credit the right way. Three months later, I secured my first business loan, and now I’m running my own local grocery store. I can’t thank them enough!"
Fernando R. – Local Grocery Store Owner |
"Siempre soñé con comprar un auto nuevo para mi familia, pero mi puntaje de crédito me estaba frenando. Intenté todo, pero seguía siendo rechazada. Desde el primer día, el equipo de Assurance Credit Services me dio esperanza. Con su ayuda, aumenté mi puntaje y finalmente obtuve la aprobación para mi préstamo. No puedo expresar la felicidad de ver a mis hijos en nuestro nuevo carro. ¡Gracias por hacer esto posible!"
Liliana G. – Auto Loan Approval (Español)
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