About Credit Evolution University
About Our Organization
Credit Evolution University specializes in the education of credit, how it works, and how it affects us on a daily basis. Our education process uses a powerful online virtual University format complete with lessons and a final test. Our National Lease Option program allows students enrolled in our University to become a homeowner while they are still in the program. Credit Evolution at no additional fee audits our student's credit reports and legally removes any negative item not in compliancewith the Fair Credit Reporting Act. We also offer a credit report analysis for a small fee, for potential students who are not sure where their current credit environment stands before joining the program.
What Separates us from Other Companies in the Industry
Credit Evolution University separates itself from other traditional credit repair companies in the industry because We feel that education is a vital component that is often overlooked because most people want someone else to deal with their bad credit and don't concern themselves with learning how to not make the same mistakes again. This behavior causes bad habits to be passed down through generation after generation. We do not charge for the dispute process! That isincluded in our tuition fee, so our students are actually paying for the education part of the program.
Why is there so much negative press about traditional credit repair companies?
Unfortunately there are some bad actors that are merely there to make unrealistic promises and they are there only to take your money and will not provide alasting service. There is also negative publicity that the credit bureaus and the Federal Trade Commission put out to the public stating anyone can fix their owncredit. That is nonsense! If they are so concerned about the credit repair industry then they would educate the public about what traditional credit repair companiesdo. They do not want to do that so they discredit an entire industry and make folks feel that they are helpless against poor credit!
How long will it take?
Our virtual university has lesson plans that are meant to be studied at our students own pace. It will take an average of 60-90 days to see an improvement in yourcredit environment. However, every student's credit history is much different and a student could be in our program as long as six months in order to see a vast improvement in their score.
What are our Guarantees?
Our guarantees are the most aggressive in the industry and they are broken into three categories. If any of these guarantees are satisfied, we feel that our students have an excellent start in reaching their financial goals.
- 30% deletion ratio with any of the credit bureaus
- 50 point increase in credit score
- If someone comes to us to buy a house, credit will not be the reason that stops them from reaching that dream.
What will I Learn as a Student Enrolled in Credit Evolution University?
- Why a collection company should never be paid unless they can do this?
- A credit card that can replace all of your debit card purchases and will report activity to all three bureaus to help boost your credit score!
- How a family member who has good credit can really help you with your credit without jeopardizing their own!
- Win judgments and monetary damages from credit bureau and creditors who fail to provide documentation when we audit them Federal Laws that are in place to protect your rights when information positive or negative is placed on your credit report.
- The secret to the credit scoring system....knowing this wills save you thousands
- How to leverage your improved credit scores to purchase real estate
- A simple procedure that will stop a collection company from ever calling you again!
- Know what bureau is being used for most of your purchases....knowing this can save you a lot of money
We leave you with a Little Food for Thought...
There is not one single element in regard to obtaining wealth than our ability to leverage other people's money. Other people's money meaning banks, credit cards, and other lending institutions allow us to take advantage of investment opportunities without spending a penny of our money. The governing entity that dictates if we get this money and how much this money will cost us is the credit bureaus (Equifax, Transunion, and Experian).
The three bureaus above have files on everyone that has done any commerce or have used any credit in the past or present. Most people do not realize that they are not federal entities and not different than other public companies like McDonalds, Coca Cola, Goodyear, etc. Based upon the way you have paid bills before in the past, length of time your credit has been established, the amount of credit extended to you, and many other factors they have on file about you is calculated and will determine if you qualify for financing and what rate they are going to charge you.
Wouldn't you think because this score is so powerful that our educational institutions would teach individuals about these companies and how important it is to know your credit environment?
Why is it that the bureaus do not report several of our accounts that we pay on a month to month basis? (cell phone, rent, utility bills, etc.) If we are late on any of these items then they are reported as late!
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