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FAQ2019-01-21T18:58:35+00:00

FAQ

What items can you help me to remove and improve?2019-01-21T19:02:46+00:00

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.

Will the removed items come back?2019-01-21T19:02:34+00:00

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.

Why are your results different?2019-01-21T19:02:27+00:00

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.

How long will it take to raise my score?2019-01-21T19:00:40+00:00

​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.

What is your 100% Guarantee?2019-01-21T19:21:42+00:00

You are entitled to a 100% refund on all payments and fees, if:

We offer a 90-Day Money Back Guarantee on our credit repair service, even with this we do not make any promises or assumptions as to the results of our credit repair work or in regard to your credit score and/or how it may be affected.

If we do not manage to update any inaccurate, obsolete, erroneous, incomplete and unverifiable information on your credit reports, you are entitled to a full refund within 90 Days. All you have to do is provide us with a copy of your results.

From there, refunds will be issued between 5-7 business days upon your request. A valid credit card is required for paying accounts.

The monthly charge of ($99/mo.) is billed on a monthly basis for services previously rendered and performed and is non-refundable after 90 days of purchase.

There will be no refunds or credits for partial months of service or refunds for months unused with an open account. In order to treat everyone equally, no exceptions will be made.

  1. A credit restoration service to help obtain credit report, analyze situation and establish communications dashboard to help collect and review updated information and instructions from you regarding your circumstances and goals through a secure database. After 5-15 days (varies by state) from engagement of service, initial charge of ($99/mo.) is billed on a monthly basis for services previously rendered and performed and is non-refundable after 90 days of purchase.
  2. You may cancel anytime. You may be charged a final payment for services previously rendered and completed.
  3. All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties, excluding only United States (federal or state) taxes.
​What can I expect when I enroll in Credit Education?2019-01-21T19:00:15+00:00

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.

​Is Credit Training and Education worth my time and money?2019-01-21T19:00:04+00:00

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.

Is Credit Training legal?2019-01-21T18:59:52+00:00

​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.

These people had amazing results

Healthy credit score literally gave me a fresh start. Before, I was stressed out and exhausted from being turned down from every bank and credit card. As of now, I’m currently in the phase of purchasing a home. I’m more confident and I feel more secure. I want to extend a very big THANK YOU to the Healthy credit score family.

My credit score went up 90 points after working with “Healthy credit repair”. It was definitely worth the money and saved tons of time on my end. They gave me solid advice on how to increase my FICO score and I was able to get a mortgage for 2 points lower that saved me 100k.“Thank you! Highly recommend this company.”

I called for free credit consultation. I just started a couple weeks ago. I work with Ben to raise my credit. I wanted all the interest from my credit cards to drop and I’ve already noticed a change in my credit.”

Jack A, Healthy Credit repair

there were some inaccuracy of my credit report and wanted to improve my scores, they helped me wonderfully with an effective solution. Thanks!

Paul K, Healthy Credit repair

Healthy credit score is a place where I was able to have hope to have my life back again. They told me it will take 6 months and it five.

Jose K, Healthy Credit repair

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