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?
You are entitled to a 100% refund on all monthly payments if:
- You do not remove more than 25% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
- You do not remove more than 25% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
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.
These people had amazing results
|
"Royal Financial Services has made a huge impact in my life. When I was in college, I unfortunately had to rely on my credit cards to help me with my expenses.
By the time I finished college, I was unable to pay back a lot of those debts. As a result of that I ended up with a very low credit score and quite a few collections, so I sought out Good Credit For Life. They were able to make a huge impact on my credit score. It went from the 500’s to the 700’s in a couple of months. I couldn’t believe it. With that, I was able to do so much more. I was able to buy my dream home, to lower the interest rate on financing on my car, and to get approved for a great travel credit card which has really helped us while planning our destination wedding. It’s been absolutely wonderful and I couldn’t be more appreciative. Thank you so much, RFS" 
Callum R. |
"Royal Financial Services helped me out so much. I went years without having anything financed or any open credit. I was trying to get a vehicle and I couldn’t get financed, and everything was so difficult.They helped me out so much. My car payment is down over $250. My interest rate went from 22% to 2%. My credit score has grown by 150 points. My fiancée and I are looking for a house now.
Everything is going so great for us since Good Credit For Life helped us out. I just want to say thank you to them. They do a good job!" 
Dave I. |
"Royal Financial Services helped me out so much. I went years without having anything financed or any open credit. I was trying to get a vehicle and I couldn’t get financed, and everything was so difficult.
They helped me out so much. My car payment is down over $250. My interest rate went from 22% to 2%. My credit score has grown by 150 points. My fiancée and I are looking for a house now. Everything is going so great for us since Good Credit For Life helped us out. I just want to say thank you to them." 
Gloria G. |
