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 is your 100% Guarantee?
The goal of credit repair is to remove questionable negative information from you consumer report. By law we cannot make any verbal or written guarantee of outcome, score increase, or timing of credit repair services. Our clients are protected with our 120 day warranty. If you sign up for our monthly service and do no see any questionable items removed from your credit report within 120 days or your score has not increased by at least 50 points combined, you will be entitled to a full refund in monthly fees.
You are entitled up to 100% refund on all monthly payments if:
- You do not create any new derogatory trade lines to be added to your credit report during your enrollment.
- You must be an active participant in the program fro 120 days.
- You email Ethos Credit Repair Proof of ID and Proof of residence with (2) days of signing up.
- You make all payments due to Ethos Credit Repair on time.
- You agree to send updated reports from the three credit bureaus or creditors to us within 5 days of receipt.
- You agree to give Ethos Credit Repair (10) business days form the date you have requested refund to allow adequate time to review and audit account to verify if there have not been any negative items removed from your report and to ascertain the reason for the occurence.
Refunds limited to payments made for 120 days of service only. (If client is in service for 180+ days with no change to history the refund will be limited to 120 days of service).
You are entitled up to 100% refund on all monthly payments if:
- You do not create any new derogatory trade lines to be added to your credit report during your enrollment.
- You must be an active participant in the program fro 120 days.
- You email Ethos Credit Repair Proof of ID and Proof of residence with (2) days of signing up.
- You make all payments due to Ethos Credit Repair on time.
- You agree to send updated reports from the three credit bureaus or creditors to us within 5 days of receipt.
- You agree to give Ethos Credit Repair (10) business days form the date you have requested refund to allow adequate time to review and audit account to verify if there have not been any negative items removed from your report and to ascertain the reason for the occurence.
Refunds limited to payments made for 120 days of service only. (If client is in service for 180+ days with no change to history the refund will be limited to 120 days of service).
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 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, 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.
