Project Restoration

Everything You Need To Know

Most Popular Questions

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 disputed items 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 but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

What can I expect when I enroll in Credit Evaluation?

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 adapt 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 from your credit report, which enables us to offer you a flawless, money back guarantee system.

Do you guarantee you can delete everything negative on my credit report?

No one in this business can guarantee that but we are confident that with time and persistence we are usually able to delete the majority of harmful items affecting your credit (at least 70%). Money back guarantee.

​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 term of the contract, the average credit score increase is over 80 points.  

What items can you help me 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, student loans, child support, and tax liens.

Other Questions We Receive

1. I have old collection accounts, should I pay them off?

Sometimes paying off old debts can reduce your credit score. When you make a payment, it restarts the statute of limitations and creates a new entry scheduled to stay on your credit for an additional 7 years. We would like to review your credit reports and make recommendations based on our findings. Chances are, we may be able to remove the majority of the outdated information saving you hundreds or even thousands of dollars.

2. What is the FCRA?

The Fair Credit Reporting Act (F.C.R.A.) is a United States federal law (15 USC § 1681) that regulates collection dissemination, and use of consumer information, including consumer credit information.

3. What is the difference between FICO score and Vantage score?

The 3 major credit bureaus Equifax, Experian and Trans-Union have been using the information in your credit file to calculate a three-digit FICO score for years. FICO is the score is named after Fair Isaac Corporation, the company that pioneered credit scoring models and sells software to the credit bureaus. FICO scores range from 300-850 and the higher your score the more likely you will be approved and of course, the cost goes down.

4. What is a credit bureau?

A credit bureau is a company that collects and maintains individual information used for credit evaluation and certain other purposes, including insurance and employment. Credit bureaus, a type of consumer reporting agency, hold a consumer’s credit report in their databases. Credit bureaus have a number of responsibilities under FCRA, including the following:

1. Provide a consumer with information about him or her in the agency’s files and to take steps to verify the accuracy of information disputed by a consumer. Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive one free credit report a year. The free report can be requested by telephone, mail, or through the government-authorized website,

2. If negative information is removed as a result of a consumer’s dispute, it may not be reinserted without notifying the consumer within five days, in writing.

The three big credit bureaus: Experian, Equifax and TransUnion do not interact with information furnishers directly as a result of consumer disputes. They use a system called E-Oscar. In some areas of the country, however, there are other credit bureaus. For example, in Texas, if a consumer tries to dispute information with Equifax directly, they must go through CSC Credit Services which is linked to the Equifax database.