You've got questions, we've got answers.
Yes, NCES can restore your credit. Not only do we help to remove negative information from your credit report, we educate you on all aspects of the credit process. We have a search engine that breaks down the tough credit questions and will help you to navigate your financial life. We believe credit restoration is 10% of the problem and education is 90% of the solution.
Yes, The 3 major credit reporting agencies are not non-profit companies.They are privately owned and are in business to make money. Therefore, they are governed by the Fair Credit Reporting Act. The CRA’s [credit reporting agencies] must maintain accurate data, through research to identify that information about any given person is correct.
This, as you might imagine, is a lot of work! Research on the CRA’s themselves reveals that up to 80% of their data is reported inaccurately.Yes, 80 percent! There are other issues creating problems as well: duplication of reported items, erroneous reporting and outdated information.
The CRA’s were put into place to maintain information about consumers: to be fair and accurate to the consumer, and yet we’ve seen one negative item turn into fifteen negative entries!
We ensure our customers receive a fair and accurate credit report and teach corrective credit behavior [we don’t pretend it’s easy… but it is critical to help every one of our clients to reach his or her ultimate credit profile.
NCES stands behind our work. If, after three challenges with each of the credit agencies, you are dissatisfied with our service, the refund will begin to be processed.
We must charge a $100.00 non-refundable fee for research and processing. We will then evaluate the results of our work. There is a $25 deduction for every item that was actually corrected on your credit report. Then the remainder of the money will be returned to you.
We are dedicated to the success of each and every one of our clients, and our success rate is phenomenal.
There are three types of bankruptcy; the first is a Chapter 7, which discharges all of your debt. Secondly, there is Chapter 13, which calls for repayment of the debt. Lastly, there is Chapter 11. This applies to business bankruptcy only.
NCES will help you understand the laws regarding the Fair Debt Collection Practices Act. We employ a method that forces the collection agency to validate the debt, to prove the debt actually exists. They have 30 days from the time of our inquiry to validate or the debt will be discharged.
Monday through Friday, 8:30AM to 5:00PM EST. You can always ask questions via email, anytime, day or night.
Actually, all credit report updates will be sent directly to you from the credit reporting companies. After each of your three rounds of credit restoration you will send us copies of your updates so we can update our records.
NCES provides education for every aspect of your financial life, including paying down debt, qualifying for a mortgage, financing a vehicle, setting up a budget, investing for the future, and starting your own business.