©2012 Credit-Aid Software/American Credit Repair Academy. All rights reserved. Reproduction, adaptation, or translation of this document without prior written permission is prohibited and is protected under the copyright laws. Credit-Aid Software is a registered trademark of Daniel Rosen Inc. All other trademarks are the property of their respective owners. Windows® is a registered trademark of Microsoft Corporation in the United States and other countries. Credit-Aid™ Software and the American Credit Repair Academy’s intended use is to help you learn to automate the process of cleaning up your credit history reports. Credit-Aid Software and The American Credit Repair Academy courses are not sold in the State of Louisiana. Credit-Aid Software and American Credit Repair Academy provide Credit Information, not legal advice. For legal questions about specific issues regarding your credit, consult an attorney.

HOW TO USE THIS GUIDE

Welcome to the American Credit Repair Academy!

This is your course outline for Credit-Repair 101.

We recommend reading this before your course begins, so you will have an understanding of our method and the tools available to you.

You can navigate through this guide using the table of contents in the PDF reader interface, or just read it straight through. You can also jump around using links, which are formatted in light blue text. You’ll come across links to webpages that look like this: www.americancreditrepairacademy.com . Just click them, and your default web browser will open the page and display additional information.

We hope this helps! If you have any questions, comments, or suggestions about how this guide can be improved, we’d love to hear them.

WELCOME TO THE AMERICAN CREDIT REPAIR ACADEMY

About the Academy

In our many years of developing professional credit repair software, the two questions we receive the most are: "do you offer credit repair training?" and "where can I find a credit repair school?" In researching the answer, we discovered that we could not find a complete school offering professional credit repair training, coaching or mentoring. It did not seem to exist on a professional level.

America is now recovering from our great recession and millions of Americans need your help. There has never been a better time in history to learn credit repair or to run a credit repair business. These are skills that all real estate and finance professionals must learn. Since you cannot process a loan unless the score is high, credit repair has now become a necessary survival skill to stay in business. If you can learn to raise a credit score you will close more loans, sell more houses, lower your clients' bills and credit card rates and do a great service to your community. Credit restoration is a business opportunity you can truly start with nothing but a phone and a computer. It's a business startup with zero overhead and it earns immediate revenue.

CREDIT-AID™ continually studies global financial trends. The need for a professional credit repair school was imminent and inevitable. We found that great instructors in such a highly specialized field were few and far between. In 2007 we met Denise Wayne. Denise had an extremely successful credit restoration and consulting business. However she was lacking software to automate her dispute system and speed up her process. We introduced her to Credit-Aid™ Pro Software. The software enabled Denise to quadruple her workload. She then began to recommend it to the credit specialists she was training. These clients, in return, began to tell us how much they were learning. Since we didn't offer training, we began to refer our Professional customers to Denise. With the influx of students, Denise realized how much more she could accomplish in her teaching and consulting.

In 2010 we founded The American Credit Repair Academy.

Daniel Rosen
Founder
Credit-Aid Software

www.credit-aid.com

AMERICAN CREDIT REPAIR ACADEMY COURSES

A CREDIT-REPAIR “MINI-SESSION”

Mini-session length and content:

If you have purchased Credit-Aid Pro Software you will receive a training mini-session. A mini session is 20 minutes and has a flexible curriculum. For many students, that time is spent going over basic points of credit repair and answering basic questions regarding credit repair, using the software and available services.

What if I already know and understand basic credit repair?

We have students of every level, beginner to advanced. You may already have a working knowledge of credit repair basics. Therefore, if there is a certain specific item you would like to spend your mini-session on, please let us know at the start of your mini-session, so we can spend the time on you the topic you desire.

Preparing for this course (before your session please do the following)

· Read this guide. You may want to print it out.

· Have a fresh set of credit reports (a client’s report or your own).

· If you’ve purchased Credit-Aid Pro Software be at the computer with it installed.

· Have your learning environment free from noise or distraction.

· Understand that courses are 1 on 1, unless other arrangements are made.

Being prompt with your training appointments

Everyone’s time is valuable. This is a live training course and we set aside blocks of time just for you. Of course emergencies sometimes arise, but if you must cancel, please give at least 12-24 hour advance notice so we can fill the slot with another student. Without appropriate and considerate notice, missed blocks of time will be deducted from the remainder of your course.

Additional courses

No one can learn a new business in 20 minutes. If you’ve only signed on for a mini-session, we highly recommend further training.

THE “CREDIT-REPAIR 101” COURSE SYLLABUS

What if I already know and understand basic credit repair?

We have students of every level from beginner to advanced. Everyone has a specific need so we have established a flexible curriculum. You may already have a working knowledge of credit repair basics. Therefore, if there is something listed here that you already know, it can be skipped over to allow for more time on the topics you desire or your own specific questions. Please let us know at the start of your session, so we can tailor your course to fit your needs.

Preparing for this course (before your session please do the following)

· Read this guide. You may want to print it out.

· Have a fresh set of credit reports (a client’s report or your own).

· If you’ve purchased Credit-Aid Pro Software be at the computer with it installed.

· Have your learning environment free from noise or distraction.

· Understand that courses are 1 on 1, unless other arrangements are made.

Being prompt with your training appointments

Topics covered:

First Hour

· Working with New Clients.

· Answering common questions from Clients (such as “why go to a credit repair specialist when they can do it themselves”).

· Obtaining the proper information to start your client file.

· Best practices for obtaining Credit Reports.

· Reading a credit report and understanding all the codes.

· Spotting Identity Theft and determining information to report to the police dept. when making a claim.

· “Identity Theft” vs. “Mistaken Identity” (and appropriate methods of removal).

· When to dispute tradelines to the Credit Bureaus and when to dispute directly to the Creditor.

· Avoiding frivolous letters from the Credit Bureaus.

· Q and A throughout.

Second Hour

· Advanced Tips and Tricks for removing Bankruptcy’s, Foreclosures, and Short sales.

· Four items that have no Statute of Limitations.

· Properly worded explanations that work to remove an item.

· The difference between “Collections” and “Recovery.”

· Violations of collections and recovery.

· Removing lates.

· How to speak with creditors, collections and attorneys. What to say (and what not to say).

· Q and A throughout.

Third Hour

· How to obtain fees and stay within the law.

· What a lender looks for.

· Answering common questions from your clients (for example: regarding length of time it takes to repair someone’s credit).

· Rapid Rescoring: How it works, where to obtain it and when to use it.

· The “Business” of Credit Repair: Where to find clients, marketing tips and ideas.

· Attracting and working with “Affiliates” and scaling your business. Denise’s 1 hour method.

· Reviewing a credit report (advanced and in depth).

· Q and A throughout.

Your Certificate of Completion

Be sure to give us the address to send your certificate!

NOW IS THE TIME TO START A CREDIT REPAIR BUSINESS

Starting a credit repair business is easy and your timing couldn’t be any better for this lucrative business opportunity. Over 80 million Americans have poor credit. Most do not understand the credit reporting system and will gladly pay good money for someone to help improve their credit. Why shouldn’t that be you?

A credit repair business is one business that will always earn a profit. Even in the most troubling economy, a credit restoration business will succeed and prosper. Nearly eight out of ten Americans struggle with their finances. This very quickly takes its toll on their credit worthiness. Maintaining good credit is a necessity in our society and during troubling times, people tend to rack up more debt and fall behind.

With so many people in need (and that need growing daily), a credit repair business is also an ideal home-business. It needs no certification, requires very little investment, is easy to do (if you keep organized and follow the simple rules) and it generates revenue immediately. It’s also the ideal home business with close to zero overhead.

A credit repair business

· Is recession-proof

· Excels during tough economic times

· Is easy to run from your home

· Can make you money immediately

· Is easy to start with very little investment

· Pays for itself after just a few clients

· Is a great supplement to your existing business and clients.

· Does a service for your community.

Credit repair brings in new streams of revenue and passive income

Learning the basics of credit repair enables you to start a new business immediately. It’s something you can easily do in your home or office because all you need is a computer, a phone and a printer. Helping others repair their credit history and have a fresh new head start on life is extremely rewarding. While it’s true that consumers can do this very same work themselves, most are afraid or lacking the skills to communicate with credit bureaus and negotiate with creditors. This is where you come in to help.

STEPS TO LAUNCH YOUR BUSINESS

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Get a copy of your own credit report to study

You are entitled to one free copy a year, and there are three major credit bureaus to see reports from: Equifax, Experian and Trans-Union.

Learn everything you can about the Credit Reporting System

Read the Fair Credit Reporting Act and the Fair Debt Practices Act (in your bonus materials. Read and study as much as you can.

Understand your role in the process

Once you obtain your clients credit reports, you can then work with that client to correct any mistakes, acting as the intermediary between them and the credit bureau or creditor.

Understand what you are selling and be careful what you promise.

A credit repair company cannot claim to “erase” negative items that are accurate and have been present on a credit report for less than seven years. However, many accurate but negative items can be removed with a bit of finesse if you learn the right negotiating tactics and approach the creditors and collection agencies in the proper manner. Here’s the good news: 79% of all credit reports contain errors. This means that MOST credit reports contain errors. Those errors come off very easily with a few clicks of your mouse. Simply removing errors will improve a score almost immediately. Once you’ve accomplished that, you can further enhance a credit report by negotiating the remaining negative items.

Work smart and minimize the number of hours you spend working

The most common mistake more entrepreneurs make is in managing their time poorly. Time spent creating dispute letters and handling paperwork can eat up hundreds of hours and drop your hourly earnings very low. This is where software comes in handy. It can help you to work “smart” by saving you hundreds of hours by automating.

HOW TO PROMOTE AND MARKET A CREDIT REPAIR BUSINESS

Now that you have everything in place, it’s time to start promoting and marketing your credit consulting business.

Call other local credit repair businesses to get an idea of the services they offer and the types of fees associated with these services. In our own PRO software we give a breakdown of suggested fees. Some credit repair specialists don’t charge fees at all. For mortgage brokers and auto dealers the reward can be greater in generating leads and closing more loans. Go through all the information you can find, decide on your fees and services, and get ready to advertise.

Dress professionally and meet with local merchants who deal with financing: mortgage brokers, real estate agents, auto dealers, etc. If you’ve signed up for a Crediit Repair Cloud and have a credit repair business website, this will be a plus. Many mortgage and real estate professionals will require you to have a portal and a site before referring clients to you.

Create flyers, brochures and business cards. Give a brief description about your services and contact information. We already provide these in the Credit-Aid Pro Bonus materials. Post flyers everywhere you can. You may also want to place small ads for your services in local newspapers, church newsletters and periodicals.

Offer friends and family your credits repair counseling services for free, and then ask them for a letter of recommendation. This will quickly help to build your client base. Word of mouth is the very best kind of advertising.

You may want to consider giving credit repair and debt seminars or classes to teach people how to help themselves. Give talks at high schools and colleges about ways to stay out of debt. The students will go home with the information you have given them, plus your business card or brochure and tell their parents, who could end up as your next clients. We have many customers who give seminars and buy our software in bulk to resell or give to attendees.

ADDITIONAL WAYS TO MARKET CREDIT REPAIR

Billboards

These are great to be seen every day by the drivers passing by, but traditional billboards can be very expensive, however we are also starting to see small portable billboards on the side of the road. These are a nice affordable alternative.

Mini Portable Billboard

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Magnetic Sign on the side of your car

These really work! Everywhere you go, people will see this and you can’t beat the price!

Flyers and Brochures

These are also excellent affordable ways to advertise your business. You might try hanging them in restaurant and shop windows, grocery stores, laundromats, a local college, on light poles, bulletin boards, etc. Make sure you are aware of the laws in your city and that you are not violating them by placing your marketing material where it is not allowed. Also consider offering your marketing materials to referral partners like accountants, auto dealers bankers, financial planners, mortgage brokers, real estate agents, etc. Their clients are in need of your business. Some credit repair companies pay for these referrals.

Local Newspaper Ads, Shopping guides

Newspaper ads can often be very affordable. As with all marketing, your job is simply to get your services in front of as many people that need them as possible.

Internet ads, Craigslist Ads, YouTube, Your own web site

You can’t beat free advertising!

Direct Mail Marketing

This can become costly and they can be difficult to track, so test in small quantities first. Create 5 -10 possible direct mail pieces and then try sending them out in groups of 200. Evaluate the productivity by assigning different 800 phone numbers or website addresses. Be creative! Think about where your customers would be, what they would be reading, looking at, etc. and then place your services in front of them.

Additional Marketing Ideas

Promote your credit repair business vigorously. Advertise, and offer bonuses to raise awareness of your business - such as free counseling, free consultations, free credit report assessment, lotteries, quality information and resources, and so on. It's not difficult to establish your credit repair business and make money, provided you keep the interest of your client as the most important aspect of the business. Always start with someone close. Start with friends, family and colleagues. That will get the word of mouth rolling. Go out of your way to do an exceptional job! Your good work will be rewarded by word-of-mouth promotion and endless leads.

To kick start your credit repair business offer a limited time discount; and make sure to give your best effort, so those that take you up on your offer will send you more business through referrals.

Start small and work out the kinks before you expand too quickly.

As a credit consultant, you should start to build your business locally before expanding too fast or going to the internet. If you build your credibility early, when you branch out, you will have experience and a history of customer satisfaction to back you up.

Stay honest with your clients. You are providing them with a very important service. They must trust you and your business. Credit repair can be confusing to many. Reassure and give them the information they want. This will enhance your credibility and increase your credit repair business well into the future.

If you’ve purchased Credit-Aid Pro Software be sure to download your Bonus Materials

We include Marketing Art templates in your Credit-Aid Pro Bonus materials. In there you will find professionally designed marketing materials (in English and Spanish) that you can customize to make your own.

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Rounded Rectangle: Your bonus materials are downloaded as a zip file. You do no not need special software (like “Winzip”) to open a zip file. Windows (windows explorer) will open a zip file just like opening up any other folder. Once it’s open, drag the contents to your desktop. For more help with zip files click here: http://creditaid.zendesk.com/entries/139455 Your bonus materials are legal documents, contracts, power of attorney, guides, marketing materials (brochures, flyers, business card layout) and more (in English and in Spanish). If you have any trouble opening bonus materials, you probably haven’t downloaded the entire zip file.

Microsoft Publisher

The marketing art we provide in your Bonus Materials were created in Microsoft Publisher. To edit these files you must have Microsoft Publisher. Microsoft Publisher comes with Microsoft Office Professional.

If you don’t have Microsoft Publisher

Download a full-functional 60 day free trial here; http://office.microsoft.com/en-us/try/ Make sure you download the one that says Microsoft Office Professional Free Trial. To work with our Marketing Art Templates be sure to get the version of Microsoft Office that has “Publisher.

Here is an alternate offer: http://office.microsoft.com/en-us/products/ and here is yet another: http://office.microsoft.com/en-us/products/get-microsoft-publisher-FX102159668.aspx?WT.mc_id=ODC_ENUS_OATPublisherHome_MonTry

These links may change over time, so check all three.

Another alternative is to go to a local copy shop or a Kinko’s. They will also have Publisher. It’s a very common program for creating business marketing materials.

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HOW DOES THIS BUSINESS WORK?

You advertise your credit repair service. You set up a site. You set up a client portal. You visit Mortgage Brokers and Real Estate Agents and ask for referrals. Clients call and you schedule an appointment with them. When you meet with a new client, you explain the credit repair process and instruct your new client to fill out the contracts making sure every item indicated is filled out correctly.

These items are given to the client at the first meeting:

· Fee Agreement Contract (Explains your fees)

· Consumer Credit File Rights (Explains their legal rights)

· Client_Recommendations.rtf (Instruction on how they can do their part)

· Fair_Debt_Practices_Act.pdf (Explains their rights)

· Credit Services Brochure (optional)

· Power of Attorney Letter

· You will need to order 3 current credit reports (1 from each bureau)

Explain your fee during your first contact, collect your money, and give your client a receipt. What to charge your client is completely up to you. Some charge for set-up. Others charge monthly. Billing all depends upon your own personal business model and the laws for your state.

After few days of the initial meeting with your client, you will either receive the 3 credit reports…or your client will forward (mail, fax, or drop off) their credit reports and you will draft the dispute letters for each credit report you received from your client. Remember to never dispute more than 5 items at a time to any bureau within a one month period.

Wait for the results to come back and repeat the process if necessary. Lather, rinse, repeat.

WHAT YOU WILL NEED

· A Basic understanding of how credit scores are determined.

· A client's 3 credit reports from all 3 bureaus (Equifax, Experian and TransUnion).

· A basic understanding of what it takes to repair bad credit.

· The ability to read write and communicate well, plus social skills.

· Software to automate the dispute writing process and remind you for follow-ups, and to guide you through the process.

Have your client order a credit report from each of the 3 credit bureaus (Equifax, Experian and TransUnion). The Annual Credit Report Service allows you to write one letter and receive all three reports. Ordering a report by paper mail is the easiest. If the client orders their own credit report they will not suffer a hit on their credit score.

Ordering credit reports is the most important step, because nearly 80% of all reports contain errors and those errors are most often the reason for a low credit score. Simply removing those errors will usually raise the score immediately. Your primary job as a credit restoration specialist is to help your client by disputing information on their reports that you believe to be inaccurate.

Examine your client’s credit reports and try to identify accounts that do not belong to your client. Watch for unpaid loans that might not belong to your client because this could be a sign of identity theft. Identity thieves often avoid raising suspicion by first taking out loans, credit cards or lines of credit in very small amounts. If the client never knew these accounts existed, they remain unpaid and very quickly cause devastation to a credit score.

Create a separate credit dispute letter for each of the 3 credit bureaus; mail each one a letter detailing the mistakes you have found an asking that they be corrected. If you find anything that points to identity theft, immediately inform the police so the theft may be tracked; it will also absolve your client from responsibility to a certain extent.

Your business will prosper based on your success as an intermediary between the bureaus and your client. Most people come to a credit repair business for their troubles because they have no time or inclination to learn how it's done. So if you wish to be in high demand you must make your number one priority to act in the best interest of your clients. Make no mistake; this is THE key to the success of your business.

If a report comes back and the item you have disputed remains on the report and the bureau states that the item has been verified, you can send a follow-up letter requesting proof and evidence of verification. You can also requesting a copy your client’s signature showing that the indeed entered into the agreement that created the debt.

Credit repair software will greatly simplify the process. The more efficiently you can streamline your work, the more time you will have for taking on additional clients. End-user Credit repair software (software that install on your own computer) is more advantageous than an online website subscription because the data stays safely on your own computer. No one else has control or can access your client’s data. You won’t have to worry about a web server going down at a critical time, and no one can keep you from your client’s data. The other thing to think about is that you pay for end-user software once and it’s paid off immediately with the first few clients. A web based subscription service offers no advantage and will burden you with ongoing payments indefinitely and surprise fees.

Some important points: The best way to make money is by ensuring that your client is happy. The rest will simply fall into place. And finally, charge affordable fees, make unrealistic promises, or step outside the law, regardless of how tempting it may seem.

SIMPLE RULES TO FOLLOW

· The best way to make money is by ensuring that your client is happy. Happy clients refer their friends.

· To kick start your credit repair business, offer your services for a discounted price for a limited period; ensure that you do an outstanding job for those who opted for the introductory offer

· Never be greedy with the fee

· Never promise too much

· Never do anything that you even suspect may be illegal, however tempting and profitable that may seem to be.

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HOW TO BOOST A CREDIT SCORE IN 7 EASY STEPS

1) Correct all errors on the credit reports

Go through your credit reports very carefully. Especially look for; Late payments, charge-offs, collections or other negative items that aren't yours, Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full, Accounts that are still listed as unpaid that were included in a bankruptcy, Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your report (you must be careful with this last one, because sometimes scores actually go down when bad items fall off your report. It's a quirk in the FICO credit-scoring software, and the potential effect of eliminating old negative items is difficult to predict in advance). Also make sure you don't have duplicate collection notices listed. For example; if you have an account that has gone to collections, the original creditor may list the debt, as well as the collection agency. Any duplicates must be removed!

2) Be sure that proper credit lines are posted on the credit reports

This is one of the most overlooked credit repair secrets. In an effort to make you less desirable to their competitors, some creditors will not post your proper credit line. Showing less available credit can negatively impact your credit score. If you see this happening on your credit report, you have a right to complain and bring this to their attention. If you have bankruptcies that should be showing a zero balance…make sure they show a zero balance! Very often the creditor will not report a "bankruptcy charge-off" as a zero balance until it's been disputed.

3) If you have negative tradelines on the reports, negotiate with the creditor/lender to remove them

If you are a long time customer and it's something simple like a one-time late payment, a creditor will often wipe it away to keep you as a loyal customer. If you have a serious negative mark (such as a long overdue bill that has gone to collections), always negotiate a payment in exchange for removal of the negative item. Always make sure you have this agreement with them in writing. Do not pay off a bill that has gone to collections unless the creditor agrees in writing that they will remove the derogatory item from your credit report. This is important; when speaking with the creditor or collection agency about a debt that has gone to collections, do not admit that the debt is yours. Admission of debt can restart the statute of limitations, and may enable the creditor to sue you. You are also less likely to be able to negotiate a letter of deletion if you admit that this debt is yours. Simply say "I'm calling about account number ________" instead of "I'm calling about my past due debt."

4) Pay all credit cards and revolving credit down to below 30% of the available credit line

The scoring system wants to make sure you aren't overextended, but at the same time, they want to see that you do indeed use your credit. 30% of the available credit line seems to be the magic "balance vs. credit line" ratio to have. For example; if you have a Credit Card with a $10,000 credit line, make sure that never more than $3000 (even if you pay your account off in full each month). If your balances are higher than 30% of the available credit line, pay them down. Here is another thing you can try; ask your long time creditors if they will raise your credit line without checking your Credit Report. Tell them that you're shopping for a house and you can't afford to have any hits on your credit report. Many wont but some will.

5) Don’t close your old credit card accounts

Old established accounts show your history, and tell about your stability and paying habits. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open.

6) Avoid applying for new credit

Each time you apply for new credit, your credit report gets checked. New credit cards will not help your credit score and a credit account less than one year old may hurt your credit score. Use your cards and credit as little as possible until the next credit scoring.

7) Maintain at least three revolving credit lines and one active (or paid) installment loan

The scoring system wants to see that you maintain a variety of credit accounts. It also wants to see that you have 3 revolving credit lines. If you do not have three active credit cards, you might want to open some (but keep in mind that if you do, you will need to wait some time before rescoring). If you have poor credit and are not approved for a typical credit card, you might want to set up a "secured credit card" account. This means that you will have to make a deposit that is equal or more than your limit, which guarantees the bank that you will repay the loan. It's an excellent way to establish credit. Examples of an installment loan would be a car loan, or it could be for furniture or a major appliance. In addition to the above, having a mortgage listed will bring your score even higher.

ABOUT CREDIT REPAIR CLOUD

When you’re ready to launch your business, you will need Credit Repair Software. Credit Repair Cloud is a tremendous timesaver enabling you to process more clients in less time. It imports credit reports in seconds, saving you hours of typing. I organizes your entire business and your team. It keeps your client data and disputes at your fingertips and creates powerful dispute letters with a few clicks of your mouse.

Additional Enhanced Services

To help you in every way we can, we offer a suite of additional services to further enhance your software and your business. Most have free trials. Denise can answer basic questions about these products and services. Learn more at www.credit-aid.com

Client Login Portal – Clients and affiliate log in for 24/7 status updates and secure document exchange. No data entry required. Learn more at www.clientloginportal.com

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Credit Repair Business Websites – Get an instant site with everything to launch your business. Change it all by easy point and click. Visit www.mycreditrepairsite.com

Reseller Stores – Make money selling your own brand of software in your own web store, choose your price and name your profit. Visit www.credit-aid.com/reseller.htm

FREQUENTLY ASKED QUESTIONS

What is the statute of limitations for debt collection?

It varies by state. Click here for a listing

What are the Credit Repair Organization laws for my state?

Each state is different. Click here for a listing

Do I need a special license for Credit Repair?

No. A Credit Repair License is not required and does not exist.

Will I need a Surety Bond?

It’s possible; some states do require a bond for Credit Services Organizations. Don’t worry about a huge fee because in most cases you pay only a fraction of the total bond. Also in many cases, you are not required to have but the bond from within your own state. Ask Denise for more information, and visit www.bondsexpress.com/credit-services-organization-bond/ for information about surety bonds.

What is the statute of limitations for debt collection?

It varies by state, click here for a listing

Help! I can't download my free credit reports from the credit bureau site!

Credit bureau websites are unfriendly. Their goal is to make money. We have no affiliation to the credit bureaus. We provide an easy link to their websites where you can order reports, but once you are in their site we can’t control how they will respond. Viewing credit reports on a credit bureau site is dependent upon your own computer’s settings and your ability to provide the information that they request. We recommend sending report requests and especially disputes by “snail mail.” It takes bureaus longer to process disputes by snail mail which often works in your favor.

RESOURCES FOR CREDIT PROFESSIONALS

		Credit Repair Cloud - The world's first cloud-based Credit Repair Software CRM for mortgage brokers and entrepreneurs. Nothing to install. Access on any internet device. Try it FREE!

		Credit-Aid Software - America's most popular credit repair software. Everything you need to launch, manage and run a successful and lucrative credit repair business!

		American Credit Repair Academy - Learn to make unlimited revenue with your own Credit Repair Business. Learn the advanced skills of credit repair; How to get clients fast and receive a steady flow of paid referrals, plus proven methods to use the law in your favor to remove difficult items and achieve a high credit repair success rate.

		Credit Repair Software Reseller - Have potential clients who would rather do-it-themselves? Offer them your own brand of credit repair software in your own web store! Buy at wholesale, set any price and CHOOSE YOUR PROFIT! Offer to refund the cost of the software if they come back for your services -- 9 times out of 10 they'll return. WE RECOMMEND THIS FOR OUR STUDENTS AS AN ADDITIONAL REVENUE STREAM. Resellers buy software downloads for as little as $12 ea and resell for as much as $149. More info at credit-aid.com/reseller.htm

		MyCreditRepairSite.com - Instant Hosting and Website for Credit Repair Professionals. An Instant Credit Repair Business site all prewritten and ready for you to start your business (not replicated). Customize as you like and choose your own domain name.**SPECIAL OFFER FOR STUDENTS: Use code CREDITAID2 for 2 months FREE hosting!

		Credit Card Processing for Credit Services - Apply for a Merchant Account to process credit card payments from your clients. **RECOMMENDED FOR STUDENTS: Rates depend upon your credit. More info and download an application here: http://www.credit-aid.com/creditcards.htm

		CreditKarma.com - We love this site. Free (really free) credit scores and a fantastic "what-if" simulator.

		BondsExpress - Information and resource for surety bonds.

		Kall8.com - Need a $2 Toll-Free number, online fax or a Virtual PBX Phone System? This is who we use in our offices and we love them. They will sell you a toll free number for $2 a month. It also receives faxes! You can't beat this deal.

CONTACT US

We give you more than just software and training. We have a mission when it comes to support: Be extraordinary! When you buy our software, what you get goes well beyond what you expect from a software company.

We offer coaches and counselors to help you with the business of Credit Repair. We are here to help you to launch a successful business, not just learn a piece of software.

Our Address:

Credit-Aid Software / American Credit Repair Academy
10866 Washington Blvd. #447
Culver City, CA 90232, USA

www.americancreditrepairacademy.com
http://www.credit-aid.com
http://support.credit-aid.com

Thank You!

To all our students and software users. Without the support and feedback of those who download and buy our software, we wouldn’t be here. We are very lucky to have had so many people over the years think our software helps their business and is easy to use, and we are proud that you still do. Thank you, everyone!

For Additional information

Visit our user forums (http://support.credit-aid.com/forums), check out the articles and tutorials in our online Knowledge Base (http://support.credit-aid.com)

NOTES:

Hour 1

Hour 2

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"I earn more in Credit Repair than I ever did as a Mortgage Broker...and I work fewer hours!"

- Phil Entenman., Boca Raton, FL

#1 in Credit Repair Software since 2002 and used by more companies, big and small.

Our 90 Day Score Increase Guarantee for home-use products

If your credit score does not improve in 90 days we will refund 100% of your purchase price (including shipping). To receive this refund, please provide us with your order number, receipt of purchase, plus credit reports and scores from all three bureaus (dated before and after 90 days).

Our 30 Day Product Guarantee We believe in our products and we know you will love them, too. Our software support team is available to assist you and will generally reply to any concern within 24 hours. If, however, they are unable to resolve your technical issues we will offer a full refund, within 30 days of purchase. In the unlikely event that you experience any difficulties whatsoever with Credit Aid, our support team wants to hear from you. The software has been triple quality assurance checked at every level. It is being used and enjoyed by thousands of happy customers. We are confident that it is stable and will function trouble free on any computer running Windows 8, 7, Vista or XP. Buy with Confidence!

Refund Policy

Refunds are based on Software failure, not general dissatisfaction or lack of features. Please note that Credit-Aid Software’s Titles are available on a try-before-buy basis as “Free Demo” versions. We clearly post links to "free demos" and "video tour" on nearly every page of our web site because we encourage all users to download and evaluate all software before purchase. Refunds are provided only after our technical support team has assisted in your installation and the Software fails to function fully according to the technical team diagnosis. We will determine if a refund is necessary based on individual situations. Refunds are not available after 30 days from purchase date.

Please note that returns/refunds are not granted for the following criteria;

Improper use of Software.
Misunderstanding use of the Software.
Purchasing Software for use on an unsupported operating system (*including Mac).
Unwanted Software upon or after Purchase.
Other, where the request for refund is not based upon a defect or bug discovered which cannot be corrected/resolved.
Requests made outside of the 30 day window.

If your request for a refund falls under any of the criteria above, a refund will only be given at Credit-Aid Software’s discretion, and will incur a 15% Administration Charge.

*Credit-Aid Software is "designed for Windows 8, 7, Vista or XP." This information is displayed on the top of every page in our site. Credit-Aid will not run on a any other operating system -- including MAC (unless you are running Windows 8, 7, Vista or XP on an emulator program).

Links to this information are displayed on every page in our web site. It is also displayed and agreed to during product installation as part of the End User License Agreement.

TESTIMONIALS

"This software is awesome and very easy to use. I raised my credit score 287 points and saved thousands on my home loan! I've already recommended it to friends. Thank you."

Dave G.
Phoenix, AZ

—

"I love it. It is a great tool to repair credit."

Edwin D
Port St. Lucie, FL

—

"This company was WONDERFUL to deal with; the greatest customer service on the net!!"

Jennifer W.
Maple Shade NJ

—

"The software was great. I was able to fix all the errors on my credit report and raise my credit score."

Duane B.
San Jose, CA

—

"It did get my credit up!"

Barry K.
Westec Security Network Swartz Creek, MI

—

"I LOVE this Software! Prior to using it, I spent quite a bit of money on an expensive 'credit repair company' that did NOTHING but take my money! Credit-Aid Software has made it very easy for me to repair my own credit. In my first month I saw huge results and was able to qualify for a better rate on a Refi. Thank you!"

James R.
Coco Beach, FL

—

"Credit-Aid Software is AWESOME! It has by far been one of the best investments I've made thus far. As a college freshman I was ignorant to how important credit ratings were and how early mistakes could make life so much more difficult. Since purchasing the software I have learned so much on how credit works and have truly have gained a fresh start. Customer service and Technical support are superior to any other company I've dealt with. There prompt responses and wonderful attitudes makes any issue a delight. Thanks again!"

Larry H.
Account Executive- Business Resources
Chase Paymentech
Dallas, TX
www.chasepaymentech.com

—

"I was able to remove errors on my credit reports. My credit score was corrected so I was able to purchase my home and qualify for a home loan thanks to Credit-Aid. I would recommend this to anyone having problems getting their home refinanced or anyone who wants to raise their credit score."

Rick M.
Studio City, CA

—

"It helped me remove errors from my credit history and yes it was very easy to use. Now I have a more accurate credit history. Thank you!"

Norman S.
Franklin Square, NY

—

"WOW that is superior customer service!!! You have just gained a customer for life!!!!! Saludos!"

Rob Ybarra
Brownsville, TX

—

"I love your system! I deleted my negatives within 30 days and i was so happy. This was the best investment ever and the customer service with credit-aid is excellent. You have a very good team. Keep up the good job. I wish all companies were just like you guys. Trust me I've tried everybody out there and your system is very powerful. Thank you for helping my company. May God bless you!"

Manal Massis
Houston, TX

—

"Credit Aid really helped me. It is easy to understand and clearly shows what one must do to resolve credit problems. I found mistakes and corrected them fast."

Brandon S.
Studio City, CA

—

"It was really helpful!"

Madi M
Farmington, MI

—

"I love this program. It helped so much to re-establish my credit score. It was easy to use."

Patrizia M.
Montebello, CA

—

"I most impressed with how far they were willing to go to help me as I was having a problem with my computer. This product is awesome."

J.S.
Dunlap, IL

—

"My experience with credit aid was absolutely wonderful. The software was remarkable. My credit score jumped several points almost immediately and although I am still in the process of cleaning things up, I am confident I will have the score I desire in no time. I have recommended this software to several friends who are all very thankful and excited about watching their scores rise. Thanks guys."

Deborah S.
Los Angeles, CA

—

"Credit-Aid helped me so very much. I can see that my credit is getting better!"

Joe J.
Silver Spring, MD

—

"So far it has proven to be a very useful and easy to navigate program. It is allowing me to regain my credit scores and take charge of my finances again. I am truly grateful to the people who made this program available."

Ray H.
University Place, WA

—

"A bad credit score can negatively impact a person's ability to obtain a decent mortgage. I help my clients with Credit-Aid Software. It is simple to use and effective. Clients are so grateful they often give me referrals. Thank you for a wonderful and reasonably priced product!"

Noe Longoria, Loan Officer
San Jose, CA

—

"Great services...great software, this application will help many people to work faster and better with their credit. Thank you Credit-Aid!"

L. Barrera
Riverside, CA

—

"Credit-Aid is the best choice for price, capabilities, ease of use, and informative without the superfluous legalese...a Superior product!"

Jeffery R.
Portland, OR

—

TESTIMONIALS

"This software is awesome and very easy to use. I raised my credit score 287 points and saved thousands on my home loan! I've already recommended it to friends. Thank you."

Dave G.
Phoenix, AZ

—

"I love it. It is a great tool to repair credit."

Edwin D
Port St. Lucie, FL

—

"This company was WONDERFUL to deal with; the greatest customer service on the net!!"

Jennifer W.
Maple Shade NJ

—

"The software was great. I was able to fix all the errors on my credit report and raise my credit score."

Duane B.
San Jose, CA

—

"It did get my credit up!"

Barry K.
Westec Security Network Swartz Creek, MI

—

James R.
Coco Beach, FL

—

Larry H.
Account Executive- Business Resources
Chase Paymentech
Dallas, TX
www.chasepaymentech.com

—

Rick M.
Studio City, CA

—

"It helped me remove errors from my credit history and yes it was very easy to use. Now I have a more accurate credit history. Thank you!"

Norman S.
Franklin Square, NY

—

"WOW that is superior customer service!!! You have just gained a customer for life!!!!! Saludos!"

Rob Ybarra
Brownsville, TX

—

Manal Massis
Houston, TX

—

"Credit Aid really helped me. It is easy to understand and clearly shows what one must do to resolve credit problems. I found mistakes and corrected them fast."

Brandon S.
Studio City, CA

—

"It was really helpful!"

Madi M
Farmington, MI

—

"I love this program. It helped so much to re-establish my credit score. It was easy to use."

Patrizia M.
Montebello, CA

—

"I most impressed with how far they were willing to go to help me as I was having a problem with my computer. This product is awesome."

J.S.
Dunlap, IL

—

Deborah S.
Los Angeles, CA

—

"Credit-Aid helped me so very much. I can see that my credit is getting better!"

Joe J.
Silver Spring, MD

—

Ray H.
University Place, WA

—

Noe Longoria, Loan Officer
San Jose, CA

—

"Great services...great software, this application will help many people to work faster and better with their credit. Thank you Credit-Aid!"

L. Barrera
Riverside, CA

—

"Credit-Aid is the best choice for price, capabilities, ease of use, and informative without the superfluous legalese...a Superior product!"

Jeffery R.
Portland, OR

—

FREQUENTLY ASKED QUESTIONS (Click to view answers)

+ expand all

Q: How does Credit-Aid software work?

A: Credit-Aid Software automates the process of repairing credit. It was written by attorneys to address dispute items, negotiate with creditors and keep it all organized. Most people see scores improve within 30 days. To see how easy it is, you can watch the video tour, download a demo...or call toll-free for a free consultation at 1-800-944-1838

Q: Is credit repair difficult?

A: Credit repair is simple with our software. It creates all the dispute letters. It makes credit repair as simple as clicking your mouse and it guides you the whole way. Please watch the 4 minute video tour to see just how simple it is.

Q: How long will it take to fix my credit and what results can I expect?

A: That depends upon your credit. Everyone's situation is different. Most people see positive results within 30 days.

Q: How many points can credit be raised by using your software?

A: That all depends upon your credit situation and everyone's is different. Most credit reports contain errors. Errors are easiest to remove. Accurate negative items can often be removed, as well, but they take a bit more finesse. Our software gives you all the tools you need to handle the process and it is a tremendous time saver. Most people see positive results within 30 days.

Q: Do you make any guarantees that my score will be raised any certain amount?

A: No, we cannot guarantee any certin number of points your score will increase. However, we're sure that your score will indeed increase. We've seen people raise their score as much as 287 points in 30 days. Most people see positive results within 30 days. Here is our 90 day guarantee for home users: If you follow our steps and your credit score does not increase in 90 days, we will refund 100% of the cost of your software.

Q: Are there ongoing (or monthly) fees?

A: This is “end user” software to install on your computer and not a web based subscription service. There are no monthly or ongoing fees on our credit repair software.

Q: Do free credit reports or credit scores come included with your software?

A: Credit reports and credit scores do not come with our software but we do provide you the ability to order them easily with a mouse clicks from within our software.You're entitled to free credit reports once a year. Credit scores however, usually must be purchased. We do provide links for easy to access credit scores, but please understand that we have no affiliation with the credit bureaus. Any transaction you make with a bureau or a credit report service is between you and them. We simply provide the link to their site or to print a letter. Our software is for automating the dispute letter process. That's what we do and we do it extremely well. We are not in the credit report business.

Q: Can you give me advice about my own credit?

A: We are not allowed to give advice about specific credit issues, however we offer plenty of information in our software and in our credit repair blog. If you have general questions about running the software. Please visit this page for a support form. It will be received by a technician who can help you. Make sure to use the email address you used when making your original purchase and include any relevant details.

Q: Do I need a license to start a credit repair business?

A: A license is generally not required to repair a clients credit. However, laws can vary from state to state. Click here for more information on credit law by state.

Q: What are your recommended products for starting a credit repair business?

A: Any of our “turnkey” packages. They start at $399

Q: What is the difference between basic pro and turn-key packages?

A: We no longer sell Basic Pro. All of our pro packages are identical. The only different is number of available client slots. The "turn-key" solutions have everything you need to start a credit repair business, including client contracts, power of attorney and many other necessary documents and additional letters.

Q: What additional materials come with the larger Corporate Pro (turn-key) credit repair business versions?

A: Our Corporate Pro (turn-key) solutions handle far more clients at a much lower cost-per-client. They include paperwork required to start a credit repair business (i.e., power of attorney authorization, consumer credit file rights, client contract agreement, plus additional credit repair letters and more). These packages are a much better value and will pay for itself with the first few clients. After that it is all profit.

Q: I want to use this for clients. Can I just buy the cheaper home version and copy the letters?

A: Our "home-user" version is not useful to professionals. "Home-user" versions only 3 members. You cannot add more names, you cannot delete them. You also cannot copy or reuse the letters (copying and pasting will not work). There is no way to track your clients. You will have no product updates, professional materials or support. "Home-user" versions are only for home-users.

Q: Can I speak to a real person for more information?

A: To contact a product specialist for a free consultation (or to hear about our current specials), please call toll-free 800-944-1838. You can also contact us here.

Q: How do I contact Technical Support or customer service?

A: Click here for a company contact directory

Q: What is the difference between your home-user and your professional software?

A: Our home-use software is limited and only suitable for a home user. The professional versions can handle multiple clients. Our turnkey credit repair packages have everything needed to start a credit repair business; advanced features, additional letters, support, and bonus materials that include client contract, rate sheet and power of attorney. For more information about pro software, please click here to visit the PRO page and click on any of the product buttons. You can also call for a free consultation: toll-free at 800-944-1838.

Q: What makes your software better than others?

A: Our people! We have fantastic customer service and support (and we are really nice). To be honest, we do not pay attention to other company’s products. We are too busy selling our own and insuring customer satisfaction. We are the one seller of consumer and professional credit repair software in America.

Q: What happens when I fill up the available client folders/slots? Can I delete clients? Will I have to buy a whole new version?

A: When you have used up all of your available client slots you will need to buy a new version. Clients cannot be deleted. However you will have two options, a repeat customer discount -- or you can buy a 2X special, which gives you a 2nd copy (at the time of the original purchase) for 80% off. To inquire about our specials, please call for a free consultation at 800-944-1838.

Q: Can I buy a smaller version and upgrade later?

A: When We dont have upgrades, because one product does not replace another...however when it's full you could buy another, and we always give discounts to repeat customers. If you are starting a credit-repair-business you will need a turnkey product. It has everything you need and it will more than pay for itself with the first few clients.

Q: Can this software be run over a network?

A: No, this is end-user software to install and run on only one (1) PC. It is not networkable. All of your important sensitive client data is safely encrypted on your own computer and not saved on a server where it can be accessed by anyone else. It you need it for more than one PC (a second computer or laptop), please contact us about purchasing additional licenses. We always give discounts to existing customers. Call Toll free 800-944-1838 or click here to visit our contact page.

Q: Can I install on more than one computer (multiple computers)?

A: No, our software is sold as a single license and can only be installed on one computer hard drive. If you wish to install it on a second computer or laptop, please contact our sales department for an additional license at a discounted rate: Call Toll free 800-944-1838 or click here to visit our contact page.

Q: Will this software allow me to do the disputes online?

A: No, and it often works against you if you to dispute on line. You have greater success if by paper mail. It's more time-consuming for bureaus to process and if they do not reply within the allotted 30 days (according to the Fair Credit Reporting Act) by must remove the disputed item from your report.

Q: Will this software work on a Mac?

A: Credit-Aid is written for Windows 8, 7, XP and Vista. If you have a Mac and are running Windows XP or Vista, then you should be able to run it. However, we do not support Macs. Please download the free trial demo to see if that will run on your Mac.

Q: Do you have software in Spanish?

A: Si! All of our software is available in Spanish. Please click here for our site in Spanish.

Q: Will the credit bureaus accept letters written in Spanish?

A: Yes, the bureaus are bi-lingual and must accept letters written in Spanish.

Q: Do you have sales/support people who speak Spanish?

A: Si! To speak with a representative in Spanish please call toll-free 1-800-944-1838.

Q: Do you have an affiliate program?

A: All affiliate information is posted here

Q: Why don't my credit reports have "scores"?

A: Most Credit Reports ordered by consumers do NOT have credit "Scores." -- especially those ordered for FREE from the Annual Service, The scores are generally sold at a premium. Here is our recommended source if you are seeking actual credit "scores"

Q: My credit report does not contain Spouse information. Should it? Should I include Spouse information when requesting or disputing a report?

A: (Copied from EXPERIAN.COM) "The credit reporting agencies maintain individual credit files for each U.S. resident. They do not maintain combined files for spouses. Therefore, your credit report is separate and different from your spouse's. Joint credit accounts you have with your spouse will appear on both credit reports."

Because the bureaus maintain individual credit files for each US resident, it is easiest when communicating to the Credit Bureaus communicate as individuals, rather than trying to combine communications and disputes.

When using Credit-Aid Software, it is advisable to create completely separate user profiles and completely separate request and dispute letters, rather than trying to copy and paste between spouses.

Q: I have a desktop, a laptop, and several other computers in my office. Can I install this software on more than one computer?

A: No. Credit-Aid software is sold with a single Computer license, very much like Windows or Office or many other popular programs. It may not be installed on more than one (1) computer. If you would like information about purchasing a multiple user license, click here for more information and pricing.

Q: When I start to install Credit-Aid software, I am getting a message window that says "Unknown Publisher." What does that mean and what should I do?

A: We are not affiliated with Microsoft in any way, therefore we will always be an "Unknown Publisher." This is just part of WIndows security letting you know that our software has not been verified by Microsoft. When you seen "Unknown Publisher" simply continue the install process.

Q: Help! I can't download my Credit Reports from the Credit Bureau web site!

A: We don’t have upgrades, because one product does not replace another...however when it's full you could buy another, and we always give discounts to repeat customers. If you are starting a credit-repair-business you will be much happier and more productive with a turnkey product, plus the larger versions cost less per-client We understand that the credit bureau websites can sometimes be "unfriendly." We have no affiliation to the credit bureaus. Our software does provide an easy link to connect you directly to their websites where you can order reports, but once you are in their websites we cannot control how they respond to you.

The main function of our software is to generate the letters needed for disputing items in your reports, submitting them “in writing” to the bureaus, keeping track of your progress, and keeping it all organized. Viewing your credit reports on the credit bureaus web sites is completely dependent upon your own computer’s settings and your ability to provide the information that they request.

We recommend using our software to create the report requests “in writing” so that you can create a paper trial. It takes the bureaus longer to items submitted in writing, which can often work in your favor. By law, we cannot go any further than that in offering specific credit advice, but for more information about the Credit Repair Process, please download our free booklet at www.credit-aid.com/booklet-form.htm.

Incidentally, while we are on the subject of credit reports: most Credit Reports ordered by consumers do NOT have credit "Scores." -- especially those ordered for FREE from the Annual Service, The scores are generally sold at a premium. Here below is an alternative source if you are seeking an actual credit "score".

Q: Why is this software so reasonably priced?

A: We believe that software should be affordable. We also truly want to help people. We know that we have created the best credit repair software on the market and we also know that if you have success, you might tell a friend about it, and if enough people have success, we will sell plenty of programs, and help a lot of people, and everyone wins in the end.

Q: I do not have Windows 8, 7, Vista or XP. Will Credit Doctor run on older versions of Windows?

A: No. Credit Doctor will only run properly on Windows 8, 7, Vista and XP.

Q: Do you have a Canadian Version?

A: Although we've traveled everywhere from Moose Jaw to Medecine Hat, we are American and live in California and we have no knowledge of the Canadian Credit Laws. A Canadian version my be in the works soon, but for the moment, it takes all the hours in the day to improve our own American version. If you are Canadian and need help with Canadian Credit Repair information click here.

Q: I am a Mortgage Broker and I want to be able to help my clients with their credit. Do I need a special license for this?

A: If the dispute letters come from your clients, are signed by your clients, and if you are not charging them for this service, then your clients are repairing their own credit. You would simply be helping them to repair their own credit by using our software to generate the letters, track their progress and keep them organized. Another option is to have your clients sign a Power of Attorney letter to allow you to do this work on their behalf. The Power of Attorney letter is included in our larger professional versions. Please consult with an attorney in your specific state to confirm this.

As far as charging your clients for this service, we believe that if you go the extra mile for your clients, you will receive back more rewards (by way of closed loans, goodwill and word of mouth) than any small fee you might charge for printing and sending a few letters.

Q: I have paid for Credit Doctor and received my Activation Code from you, but when I try to enter my activation code into the program, it just says DEMO DEMO and I can't enter in the code.

A: If it says DEMO DEMO, that is NOT the Credit-Aid Full Version program. What you have is only the free Demo, and you must completely uninstall the demo prior to installing and running the full-version.

Q: I am trying to install by typing in the name and activation code you sent me, but I keep getting an error message that says "Invalid User String." What do I do?

A:"Invalid User String" means you are entering an incorrect name and code. This usually occurs when trying to "retype" the name and code we sent. Please try to "copy and paste" the name and code (instead of retyping) and you should have success. FYI: To cut and paste: Use Control + C to COPY and Control + V (Or Right Mouse Click + Paste) to PASTE it into the Activation window.

Q: I was sent a shipping confirmation email from Google Checkout or PayPal. Where is my download?

A: We send instant downloads the moment your credit card has been authorized. If you ordered the download version and received a confirmation letter that your card was charged or that your order has shipped, that means that we also sent your software and it is waiting for you at the email address that you have provided. If you don't see it in your inbox, please look in your spam folder before contacting us. 99% of the time that is where it is

*Credit-Aid is an automated "INSTANT DOWNLOAD", but your download info will not display (and send) until YOUR bank has approved your purchase. This generally happens in approval. If you purchase through Paypal, you can log into your PayPal account at http://www.PayPal.com to see your order status. If you have purchased through Google please log into your Google Account at http://checkout.google.com to see your order’s status. If you purchase directly with a credit card, you will receive email notification when the order has processed, along with your download and activation info. If you have any trouble, please send us a friendly email and we will be happy to help you.

Q: Why does Google send me shipping confirmation with my mailing address when I have only purchased a download?

A: This is a quirk in the Google Checkout system. If you purchased a download, you will only receive a download. If you paid an extra fee to purchase a backup CD/Shipped one will be shipped to you.

Q: I bought a copy of Credit-Aid, but my computer crashed. How can I get a new copy?

A: No problem! We will be happy to help you (up to one year from your original purchase), but to do this we must be able to find you in our system, so please send us an email with the name and email address used during your Credit Aid purchase (and an order number so we can look up your order information) . If you have used Google's email masking when placing your order, this could make it more difficult for us, so the more info you can provide, the better. We will be unable to regenerate and resend your download if more than one year has passed since your purchase.

Q: How do you handle product returns?

A: We believe in our products and we know you will love them, too. Our software support team is available to assist you and will generally reply to any concern within 24 hours. If, however, they are unable to resolve your technical issues we will offer a full refund, within 30 days of purchase. To read full details of our guarantee and return policy click here

Q: I am trying to download this program, but I keep getting corrupt or NCIS error messages when trying to install it. What is wrong?

A :"corrupt" or "NCIS" error you are getting means that you are not downloading the entire program. The install file is 13.2 Megabytes. It will not install unless you download the entire file.

2/27/2008 We are now sending all downloads in the form of ZIP files. We now do this because Norton and other Antivirus products prevent downloads of exe setup files. If you have downloaded the entire zip file, it will open if you choose OPEN or RUN and inside the ZIP file is the Credit-Aid setup file. Doubleclick on the Credit-Aid setup file and in a few seconds the installer will start. Make sure you follow the defaults and DO NOT TRY TO CHANGE THE LOCATION WHERE CREDIT-AID WANTS TO INSTALL!

If you are double clicking on the file you have downloaded and nothing happens, or you get an error message that Windows doesn't know what to do with it, you probably haven't downloaded the entire file.

We test the links daily and they generally take 2 Minutes to download on standard DSL or Broadband, but occasionally your antivirus or internet settings on your computer may be preventing you from completing the download. If you are getting error when trying to download and install the software, here are the steps to take to correct this problem:

Delete the partial file you have downloaded

Delete ALL temporary internet files (Control Panel – Internet Settings)

Completely SHUT DOWN and RESTART your computer

Download the file again and remember to save it to your desktop. Make sure you have the full 13.2 megabytes. Once it has downloaded, you can check the file size by doing a right mouse click on the file itself and choosing PROPERTIES (with the left mouse button). If you have downloaded the entire file it should install perfectly.

If for any reason this does not work, please send us a friendly email to contact our support team with detail of the problem you are having, along with your order number (and the email you used during purchase and we will be happy to help you further. We want to help you.

Q: I didn'treceive my activation letter...or my time ran out. Can you resend my download and activation information?

Activation letters are sent IMMEDIATELY when your credit card is charged. Our system is automated. If you did not receive your activation letter, first please look in your SPAM or BULK email folder. That's where they sometimes end up, because spam filters also can filter out important mail.

If you do not see your activation letter in your SPAM or BULK email folders, please do not call our sales staff. They are in a separate location and they cannot help with technical matters. Contact our support team and we will be happy to help you very quickly, however, before you do, please read the following so we can help you.

We are able to resend activation details two (2) times -- or up to one (1) year from the date of purchase (whichever comes first). Please help us to find your order by providing the following information:

Your Name and Company
Your Phone Number
Your Order Number (if you have it)
The exact software version you purchased
The EXACT email address used during the ORIGINAL purchase.

Please note that our system will only resend to the EXACT email address used during the original purchase. No exceptions.

**Please note that your software is licensed to use on only one (1) computer. We monitor how many times it's been downloaded, and if you've attempted to install it on more than one (1) machine. If you would like to install it on more than one computer, please contact us about purchasing additional copies at discount (ie; multi-user licensing).

Q: If I am a Mortgage, Real Estate or Credit Professional, can I just buy the consumer software? Will the consumer version be useful for me?

A: No! If you are a Mortgage, Real Estate or Credit Professional, our "consumer" software will not be useful to you

We offer "limited feature / limited use" versions of our software to "consumers" at a consumer-level price. These versions are not useful for professionals.

Here is why our "consumer only" versions are not useful for professionals.

Our "Consumer only" scaled-down versions only allow 3 user profiles, you cannot add more names, you cannot delete them. You also cannot copy or reuse the letters (copying and pasting will not work). You will have no way to track your clients, so the software will be useless to professionals. Also you will have no product updates or support. "Consumer Only" versions are only sold to consumers.

Our professional software is affordable for any size office or budget you have.Our largest version, PRO-1000 will help 1000 of your clients to improve their credit scores for less than $1 per client. If you help one client to raise their score and close a loan, the professional software will have already paid for itself many times over. Plus, the good will you've generated by "going the extra mile" for that client will pay you back many times over in referrals.

Our Credit-Aid Professional software is very user-friendly.

We offer try-before-you-buy demo versions of our PRO software. If you would like to see how it runs and what it can do for you, we encourage you to download it.

If you have questions about our PRO software, you may also call our Corporate Sales Desk at (800) 944-1838.

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Start a credit repair business

Credit Repair Business Startup and Marketing Guide

For Credit Repair Business Software Users

1) Correct all errors on the credit reports

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