Credit repair comes in different forms. One form is the process of challenging negative inaccurate information in your credit file. Another form is identifying and addressing financial issues that contribute to your credit file and score.
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 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 but not offer proof. It is our job to prepare documents that challenge this, and we are very skilled at that.
Our clients have had great success with collections, charge-offs, bankruptcies, late payments, inquiries, outdated personal information, student loans, repossessions, foreclosures, and judgements.
We have different packages that are tailored to the needs of all clients. For a breakdown of costs, please see our pricing section.
If you have been a Royal Blue Financial Services client for at least 120 days and we are unable to repair/remove ANYTHING from your credit report, you will receive a full refund, (minus the enrollment fee). (You must give us at least 120 days to work to be eligible for a refund). In exchange you must not have used a credit repair company nor attempted to repair your own credit at least 6 months prior to signing up with our services. You must have made all payments for services rendered on-time. You have had no new collections or missed payments during the time frame we are assisting you. You have maintained credit monitoring services at all times during the time frame we are assisting you. You agree and have sent updated reports/responses from the three credit bureaus and creditors to us within 5 days of receipt. You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received. Otherwise you will NOT be eligible for the money back guarantee.
There is no way to place a specific timeframe on your repair, especially since laws and regulations grant bureaus and creditors specific amounts of time to investigate and respond to clients. A client can spend anywhere between 6 and 9 months on average before successfully completing our program. This time can increase or decrease depending upon your unique credit file and goals.
In addition to access to the client portal, you will also receive a monthly coaching call from a member on our team to discuss any changes or updates to your credit file.
No! We ask that you not apply for any type of credit while we are working to repair your credit. It can be exciting to see your score increase, however credit inquiries can negatively impact your credit score.
It is possible for this to happen. However, the FCRA requires the bureaus inform you before this happens.