Frequently Asked
What is credit repair?
Credit repair is the process of identifying and disputing errors or inaccuracies on your credit report, with the goal of improving your credit score.
Is Credit Training legal?
Yes,credit training is completely legal. Our credit education and document preparation services are designed to help you leverage the law in your favor—specifically, the Fair Credit Reporting Act (FCRA). This federal law gives 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.
Research shows that approximately 79% of credit reports contain errors, meaning nearly 8 out of 10 reports have inaccurate information. As a result, many credit reports see immediate improvement.
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:
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.
Cancellation
The Client has the right to cancel this contract without penalty or obligation by providing written notice of cancellation within three (3) business days from the date of signing. Written notice must be delivered by email or certified mail to Kings Credit Repair at Hello@KingsCreditRepair.com no later than midnight of the third business day following the contract execution date. If cancellation occurs within this period, any payments made by the Client will be refunded in full within 10 days of receipt of the cancellation notice.
How long will it take to raise my score?
Through our services, many of our clients see their credit score increase 10 points or more in the first 35 days. Depending on the issues and inaccuracies on your credit report, it can take up to 6 months. The average credit score increase after the full process is 80 points.
Why are your results different?
There are two sides to every credit score challenge. In some cases, creditors and credit bureaus have followed all proper procedures, leaving no grounds for dispute. However, on average, our clients successfully remove about 70% of the negative items from their credit reports.
Will the removed items come back?
Items typically do not reappear on your credit report if they were current or paid at the time of removal, or if the collection account was over three years old. Reinsertions are extremely rare and only occur in exceptional cases.
What items can you help me to remove and improve?
With our expert support and document processing, our clients have seen significant improvements in resolving credit issues such as bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, hard inquiries, late payments, outdated addresses, judgments, tax liens, and student loans.
How does your credit repair service work?
We review your credit reports from the major bureaus (Equifax, Experian, and TransUnion), identify inaccurate or outdated information, and dispute those items on your behalf.
How long does credit repair take?
The credit repair process typically takes between 30 to 180 days, but it can take longer depending on the complexity of your situation and how quickly the credit bureaus and creditors respond.
About Your Credit Report
What kinds of items can be disputed?
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information on your credit report that is inaccurate, outdated, or unverifiable. We can assist you in disputing a variety of negative items, including:
We carefully analyze your credit reports to identify any items that can be legally challenged and work on your behalf to have them corrected or removed.
Can you remove accurate negative information?
No - only negative items that are inaccurate, outdated, or cannot be verified may be legally removed from your credit report.
How much does credit repair cost?
Pricing varies by plan, but we typically charge a monthly fee for the services provided. Contact us for a customized quote.
Is my personal information safe with you?
Absolutely. We use industry-standard encryption and comply with privacy laws to ensure your personal data is protected.
Will using your service hurt my credit?
No. Our process does not negatively impact your credit score. In fact, resolving negative items can help improve your score over time.
How much can my score improve?
It depends on the items on your report and your overall credit profile. Some clients see significant improvements, while others see moderate changes.
Can I do this myself instead of hiring you?
Yes, credit repair can be done independently. However, many people prefer our professional service to save time, reduce stress, and ensure the process is handled correctly.
How do I get started?
You can start by scheduling a consultation or signing up directly through our website. We'll request your credit reports and begin your personalized plan.
Do you offer ongoing support or credit education?
Yes! We provide clients with credit education, budgeting tools, and ongoing support to help you build and maintain strong credit.
Can I cancel anytime?
Yes. Our services are month-to-month, and you can cancel at any time with no long-term contracts.
Credit repair is the process of identifying and disputing errors or inaccuracies on your credit report, with the goal of improving your credit score.
Is Credit Training legal?
Yes,credit training is completely legal. Our credit education and document preparation services are designed to help you leverage the law in your favor—specifically, the Fair Credit Reporting Act (FCRA). This federal law gives 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.
Research shows that approximately 79% of credit reports contain errors, meaning nearly 8 out of 10 reports have inaccurate information. As a result, many credit reports see immediate improvement.
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:
- your financial situation and/or
- 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.
Cancellation
The Client has the right to cancel this contract without penalty or obligation by providing written notice of cancellation within three (3) business days from the date of signing. Written notice must be delivered by email or certified mail to Kings Credit Repair at Hello@KingsCreditRepair.com no later than midnight of the third business day following the contract execution date. If cancellation occurs within this period, any payments made by the Client will be refunded in full within 10 days of receipt of the cancellation notice.
How long will it take to raise my score?
Through our services, many of our clients see their credit score increase 10 points or more in the first 35 days. Depending on the issues and inaccuracies on your credit report, it can take up to 6 months. The average credit score increase after the full process is 80 points.
Why are your results different?
There are two sides to every credit score challenge. In some cases, creditors and credit bureaus have followed all proper procedures, leaving no grounds for dispute. However, on average, our clients successfully remove about 70% of the negative items from their credit reports.
Will the removed items come back?
Items typically do not reappear on your credit report if they were current or paid at the time of removal, or if the collection account was over three years old. Reinsertions are extremely rare and only occur in exceptional cases.
What items can you help me to remove and improve?
With our expert support and document processing, our clients have seen significant improvements in resolving credit issues such as bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, hard inquiries, late payments, outdated addresses, judgments, tax liens, and student loans.
How does your credit repair service work?
We review your credit reports from the major bureaus (Equifax, Experian, and TransUnion), identify inaccurate or outdated information, and dispute those items on your behalf.
How long does credit repair take?
The credit repair process typically takes between 30 to 180 days, but it can take longer depending on the complexity of your situation and how quickly the credit bureaus and creditors respond.
About Your Credit Report
What kinds of items can be disputed?
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information on your credit report that is inaccurate, outdated, or unverifiable. We can assist you in disputing a variety of negative items, including:
- Late Payments – Payments reported as late that may have been made on time or lack proper documentation.
- Collections – Accounts sent to collections, especially those that are inaccurate, duplicated, or past the reporting limit.
- Charge-Offs – Debts that have been written off by creditors but may contain reporting errors or unverifiable details.
- Bankruptcies – Public records that may contain inaccuracies or be reported beyond the legal time limits.
- Repossessions – Vehicle or asset repossessions with incorrect balances, dates, or reporting details.
- Inquiries – Hard credit inquiries that you did not authorize or that are outdated.
- Incorrect Personal Information – Mistakes in your name, address, Social Security number, or employment history that may affect your credit profile.
We carefully analyze your credit reports to identify any items that can be legally challenged and work on your behalf to have them corrected or removed.
Can you remove accurate negative information?
No - only negative items that are inaccurate, outdated, or cannot be verified may be legally removed from your credit report.
How much does credit repair cost?
Pricing varies by plan, but we typically charge a monthly fee for the services provided. Contact us for a customized quote.
Is my personal information safe with you?
Absolutely. We use industry-standard encryption and comply with privacy laws to ensure your personal data is protected.
Will using your service hurt my credit?
No. Our process does not negatively impact your credit score. In fact, resolving negative items can help improve your score over time.
How much can my score improve?
It depends on the items on your report and your overall credit profile. Some clients see significant improvements, while others see moderate changes.
Can I do this myself instead of hiring you?
Yes, credit repair can be done independently. However, many people prefer our professional service to save time, reduce stress, and ensure the process is handled correctly.
How do I get started?
You can start by scheduling a consultation or signing up directly through our website. We'll request your credit reports and begin your personalized plan.
Do you offer ongoing support or credit education?
Yes! We provide clients with credit education, budgeting tools, and ongoing support to help you build and maintain strong credit.
Can I cancel anytime?
Yes. Our services are month-to-month, and you can cancel at any time with no long-term contracts.
