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• We help improve your credit by working to delete negative items from your credit reports that are causing your credit score to be depressed. Deleting these items is the most important thing you can do to raise your credit score.
• We dispute all negative items on your credit reports that you identify as being inaccurate, misleading, or unverifiable.
• We work through each of your credit reports to resolve all disputes to your satisfaction.
• We operate within the legal framework of the FCRA, and pursue your right under federal law to dispute information on your credit reports to the fullest extent possible.
• We are honest, dedicated, and performance-driven. Our service is designed to offer consumers an affordable and equitable recourse to the increasingly negligent and abusive practices of the credit bureaus and their credit reporting processes.

» What are the benefits?

Improve your credit score Deleting negative items from your credit reports is the most important thing you can do to raise your credit score.

Lower your rates A higher credit score means you can qualify for lower interest rates on any loan.

Save thousands You can save BIG on home loans, car loans, or credit cards once you qualify for lower interest rates.

Don't wait 7 - 10 years Negative items on your credit reports can often be deleted without having to wait 7 - 10 years for them to "fall" off.

A better home or car A higher credit score means flexible financing options, giving you an opportunity to afford those things you've dreamed of

Lower rates on credit cards With a higher credit score you'll be inundated with credit card applications offering you superior rates and benefits

Improve your qualifications for employment Now, more than ever, employers rely on credit reports to screen job applicants. Don't get turned down for a job because of negative items on your credit reports.

Get the rental you want Landlords have become increasingly cautious about renters, and they use credit reports to determine whom they should and shouldn't rent to.

» WHAT YOU GET	» HOW IT WORKS
Price guarantee We promise to beat or match any reputable company (listed United Credit Resolution Organization, UCRO) by 5% or your service will be provided for free.	Later you will be enrolling in our service on-line, following the step by step procedure or you can call our office and a specialist can walk you though the process one step at a time. Either way we will need a current copy of your credit report, indicating which items you consider inaccurate, misleading, or unverifiable. CreditTrain.com will dispute those items.
Attorney-assisted service From start to finish, your service is directed by who will provide you with a review of your case on a monthly basis.	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.
Hand-crafted dispute letters Unlike some competitors who reuse the same old tired letters with each dispute, we continually revise ours to ensure that our dispute letters will bypass the credit bureaus' screening process.	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.
Unlimited disputes & deletions No matter how many negative items we dispute and delete from your credit reports, you pay only one-time.	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).
You choose your payment plan Save money by paying a one-time affordable single payment or for individuals needing an affordable budgeted plan we offer a $27.95 monthly fee both covers all the work performed on your behalf, including all disputes and deletions.	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.
Per-dispute or deletion fees If your total amount of deletion and/or disputes are less than the total amount paid, the difference will be returned to you.	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.
First-class customer service Our clients are always right! Remember we work for you and it is our position to always side with out client and not with the credit bureaus.
Cancel anytime, no questions asked You may cancel the service at any time without penalty or obligation.