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FAQ 1. How long does it take?
On average, clients use our service for nine months before they feel they have achieved their desired results. Cleaning your credit reports may take more or less time depending on the nature of your case, the number of negative items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. Please note that we will generally not dispute all negative items simultaneously. Doing so would allow the credit bureaus to exploit loopholes in the Fair Credit Reporting Act (see FCRA for more information). One such loophole allows the credit bureaus to deem a dispute letter "frivolous or irrelevant", effectively giving them the right to ignore the request and stall the dispute process indefinitely. Our expert knowledge in how to draft dispute letters that can pass the credit bureaus' screening process is just one of the many competitive advantages we maintain. Get Started! After enrolling in our service you will mail to us current copies of your credit reports, indicating which items you consider inaccurate, misleading, or unverifiable. CreditTrain.com will dispute those items. Once the credit bureaus have processed your first round of disputes, they will send you updated copies of your credit reports. Simply forward the updated reports to us and include any other correspondence you receive from them. Whenever we receive your updated reports, we will document the progress and initiate the next round of disputes, thus gradually working through the entire list of negative items on your credit reports. Please note that we will generally not dispute all negative items simultaneously. Doing so would allow the credit bureaus to exploit loopholes in the Fair Credit Reporting Act (see FCRA for more information). One such loophole allows the credit bureaus to deem a dispute letter "frivolous or irrelevant", effectively giving them the right to ignore the request and stall the dispute process indefinitely. Our expert knowledge in how to draft dispute letters that can pass the credit bureaus' screening process is just one of the many competitive advantages we maintain. Get Started! It would end up costing you more. Some organizations charge per-dispute. To the unsuspecting consumer, this seems like the least expensive approach. However, in studying this model we have found that the cost to the consumer is in fact higher than our flat monthly rate. Here is why. Per-dispute services typically advertise a fixed rate such as $9.95 per dispute. What most consumers do not realize, however, is that this fee applies only to a single dispute on a single credit report. The actual fee the consumer will be charged for each dispute is at least three times that amount, or $29.85 in the example above: $9.95 x 3 credit reports (TransUnion, Equifax, Experian). And that is assuming an item is removed after the first dispute—which is often not the case. Credit bureaus are huge bureaucratic entities. As such, it is not uncommon to have to dispute the same item more than once with each bureau. Per-dispute services would charge you for each re-dispute, and those charges would add up quickly. Obviously, $29.85 per dispute is not nearly as enticing a price to advertise as is $9.95. Which is why per-dispute services refrain from discussing these details in their marketing materials. Most shocking, however, is the fact that some companies actually charge consumers for 3 disputes (one per credit report) even when the item being disputed did not appear on all three reports! In the final analysis, CreditTrain.com feels it is in the interest of its clients to charge a simple flat monthly rate rather than a per-dispute fee. With CreditTrain.com, you get unlimited disputes. Get Started!
4. What happens after I enroll? After enrolling in our service, we will need current copies of your credit reports. 3-in-1 reports can be obtained online for a fee from a number of credit report services. Simply print and mail these to us, indicating which items you wish disputed. Alternatively, you can request copies directly from the credit bureaus, although this can sometimes delay the process depending on the credit bureau's response time. In the meantime, CreditTrain.com will perform the most expensive portion of your retainer — your case setup. This includes all welcome/orientation communication, marketing expenses, data input and verification, payment setup, case assignment to a paralegal and an initial review by the attorney. Each month you will receive an itemized invoice outlining work performed the previous month, along with an attorney review of your case. Get Started! 5. Can you delete bankruptcies? CreditTrain.com has successfully removed bankruptcies from credit reports, as well as items included in bankruptcy. Please note that using the CreditTrain.com service in no way guarantees a successful deletion of your bankruptcy. Get Started! 6. Is cleaning my report legal? Yes. Although the credit bureaus would like to have you think otherwise, your right to dispute items on your credit report is protected by federal law. Please see the Fair Credit Reporting Act for a complete explanation
of this right. No. In accordance with federal regulation, CreditTrain.com charges for services that have already been performed. Within the first five days we will perform the most expensive portion of your retainer — your case setup. This includes all welcome/orientation communication, marketing expenses, data input and verification, payment setup, case assignment to a paralegal and an initial review by the attorney. Your first payment covers the work performed during that period. Your subsequent monthly payments will cover all work performed the previous month. Each month you will receive an itemized invoice outlining work performed the previous month, along with an attorney review of your case. Get Started!
Yes. If you are unhappy with the results of our service after having been a client for at least twelve months, you may request an evaluation of your account. We will calculate the total value of all successfully deleted or improved items at $50 per item, and compare that to the total amount you have paid us. If what you paid exceeds the value of the deleted and improved items, we'll reimburse you the difference. Get Started! 9. Where do I mail my reports? During the course of the service you will mail your credit reports along with any correspondence you receive from the credit bureaus to: 10. Will I be tied into a contract? No. CreditTrain.com allows you to cancel the service without penalty
or obligation at any time. Yes. CreditTrain.com allows you to cancel the service without penalty or obligation at any time. Get Started! Raise your credit score Lower your rates Save thousands Don't wait 7 - 10 years A better home or car Lower rates on credit cards Improve your qualifications for employment Get the rental you want
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