Frequently Asked Questions
Is Credit Training legal?
Yes. Credit training and education are 100% legal. In fact, under the Credit Repair Organizations Act (CROA), you have the right to receive education, guidance, and assistance in understanding and improving your credit. At TrueScore, we make sure everything we do is transparent, compliant, and designed to protect you.
Is Credit Training and Education worth my time and money?
Absolutely. Credit education is one of the most valuable investments you can make in your financial future. Contrary to what credit bureaus may want you to believe, the right training and guidance can make a significant difference in most circumstances — but only when you’re receiving accurate advice from a trusted professional. If your credit score is below 720, you stand to benefit long-term from understanding how credit works, how to avoid costly mistakes, and how to build healthy credit habits. The strategies and knowledge you gain today can improve your financial opportunities for years to come.
What can I expect when I enroll with TrueScore?
We guide you through the entire process from start to finish, preparing all of your dispute documents on your behalf. With our knowledge of credit scoring and our experience working directly with creditors and credit bureaus, we make the process simpler and more effective for you. Communicating with creditors and bureaus can be challenging without a strong understanding of their systems and the regulations that govern credit reporting. At TrueScore, we’ve invested the time to master the laws that protect consumers, allowing us to challenge negative and inaccurate information on your report with confidence.
How long will it take to raise my score?
Every credit profile is unique, so there’s no exact timeline. Some clients see improvements in as little as 30–45 days, while for others it may take several months. On average, meaningful changes are often seen within 3–6 months of consistent work. The speed of results depends on factors like the types of negative items on your report, your current financial habits, and the goals you’re working toward. At TrueScore, we set clear expectations from the start and give you ongoing access to track your progress every step of the way.
Why are TrueScore results different?
We don’t rely on generic dispute methods. At TrueScore, every case is tailored to your unique credit profile, supported by one-on-one advising, transparent communication, and full compliance with CROA. This personalized approach allows us to deliver results that are more effective and sustainable.
Will the removed items come back?
Once a negative item is permanently removed, it typically does not return. In the rare case that it does, it’s usually because the creditor re-reports the account. If that happens, you’re not alone — TrueScore will step in to dispute it again and make sure your rights are protected. Our goal is lasting results, and we’ll continue working with you to keep your credit report accurate.
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.