Yes! Security Is our top priority and our system has been built to make sure our members and subscribers are secure. Our system includes safety features such as TLS 1.2/1.3) Encryption w/Ciphers, 256-bit Advanced Encryption (AES), On-going Level 1 PCI Compliance, Fully Encrypted Data Format & 2-Factor Authentication

We provide complimentary credit repair for our active members of The Financial ER enrolled in Rise, A Credit Building Journey coaching course. Active members must request credit repair & provide a credit report using SmartCredit in order to activate this feature. Please note that a trial member has access to our coaching course, our 40+ lessons of credit improvement strategies, basic personal finance budgeting & debt repayment strategies and access to download budgeting tools but a trial member is not considered an active member.

Improvements come can come from different directions. If you are actively structuring to build your credit profile correctly, you may see improvement such as credit score increases or lines of credit increasing overtime. If a negative item is removed, you may see a credit score increase. But It Is Important to notice credit reports are updated once every thirty days. That said, something that might change today may not reflect until the next month.

Every ones credit situation is different. We've worked with people on their credit journey for as little as 4 months, and others as long as 2 years. We typically recommend to be involved for a period of 6 months to evaluate your progress & from there decide If you need to continue.

Our focus is on 3 main points: Helping dispute errors or unverifiable accounts if credit repair is needed. Giving you techniques on how to properly build your credit using proven strategies of growth & introduce you to basic money managements skills such as creating simple budgets and debt repayment plans with the objective of reaching financial freedom.

Yes! We have a world class client support team who is dedicated to answer your questions during our business hours. Simply call, email or text.

Normally a negative item such as a collection, charge off or bankruptcy will be on a credit report for 7-10 years unless the item is deemed unverifiable by the credit reporting agencies (credit bureaus), contains an error that may trigger an FCRA or FDCPA violation or if there is a pay to delete agreement on file with the data furnisher (typically a collection agency). If a negative item does not meet requirements stated above, It will be listed on a report for 7-10 years.

No, the 7 year time clock start from the day the original account was first marked late 30 days on your report. Disputing it does not reset the time clock.

Simply notify us via email to Support@thefinancialer.com with the subject line "Cancel My Account". You will receive a confirmation email regarding account cancellation.  No need to talk to anyone!

The removal of negative items from a credit report mean that the negative remark will no longer appear on the report it was removed from, however it does not mean that the debt is forgiven.

Our automated payment system collects payment for your subscription on the same day every month. For example, if your free trial period concluded on the 20th of February, then your monthly billing date becomes the 20th of every month.

We are not financial advisors and cannot tell you what to do with your money or manage it in any sort of way (Investments or liquid accounts). Our students have found success at budgeting and creating debt repayment plan while listening to our very own journey and adapted some of the tools & strategies we use for our own personal finance management.

We are not attorneys and we do not give legal advice. We provide general knowledge & education from our very own experience with improving our personal credit. Always consult with an attorney or financial advisor for any legal or personal finance matters.