Tag Archives: credit score

Shelia A. – GA

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I have persistently tried to update and remove a collection item, from my credit report for the last year, as well as used the services of a credit repair company without getting positive results.

New Car

My New Car – Shelia A.

In January 2012, I was in need of a new car.  The 17 year old car I was driving had started to give me some major problems. I went looking for a car, though extremely apprehensive about applying for a loan due to the fact I knew my scores were in the low to mid 500 ranges.  I was indeed turned down by the dealerships lender for a loan , and advised that I needed to establish some new positive credit. Buy A new Car

I later called an attorney to seek his professional help with removing the collection agency from my credit report .  We discussed the account that was being reported negatively and the cost and length of time it might take to fight this well known collection agency.   Fortunately for me, the attorney also highly recommended the services of George Cole with NCES as an option that I might consider. I weighed my options and after several conversations with the very knowledgeable Mr. Cole, I signed up for NCES credit restoration.  The information that George shared with me in regards to credit restoration and the wealth of financial information has been invaluable.  His sincerity and professionalism has been impeccable to say the least.

Increase Your Credit Score To my surprise, after just 20 days (the first round) I got my first response back from the bureaus.  I checked my updated scores online and all my scores had gone up to close to 100 points. I was ecstatic!  That very weekend I purchased a new car with the same car dealership that had previously turned me down.  I now feel 100% better about reaching some of my financial goals in a shorter length of time due to the positive results and knowledge I have received from Mr. Cole and his staff.

Call National Credit Educational Services , NOW to pursue your dreams….. You will not regret it!!!

Shelia A. –  GA

4 Credit Cards For So-So Credit

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Here is some great information for anyone that is looking to rebuilding their line of credit. This article was featured on MSN Money and offers very good information on the type of credit cards that people with so-so credit can apply for.

Premium rewards cards and low annual percentage rates are typically reserved for the credit elite, but growing competition has led many issuers to widen their target market. That means that credit card holders with so-so credit — scores between 650 and 699 — don’t need to resort to using a subprime product to improve their score. MainStreet talked to experts to find out which cards offer the best terms for these cardholders.

1. Capital One No Hassles Cash Rewards Card This Capital One card is notable for its rewards program, which offers 2% cash back on gas and groceries and 1% cash back on all purchases made by cardholders. The card does carry a variable APR of 17.9% to 22.9% and a $39 annual fee, but Beverly Harzog, a credit card expert with Credit.com , says that’s reasonable for a rewards card in this category.

2. Orchard Bank Secured Card If it’s a low-interest card you’re after, you might want to sign up for Orchard Bank’s secured card, which features an APR of 7.99%. (Secured cards require customers to put down a sum of money upfront to cover the line of credit and thereby minimize the risk of default.) “That’s pretty low among all credit cards,” says Anisha Sekar, vice president of credit and debit products with credit card ranking site NerdWallet. The card carries a $35 annual fee, but it is waived for the first year.

3. Visa Platinum Preferred Credit Card from Associated Credit Union Another option for people not interested in paying a skyhigh interest rate is this Visa card from Atlanta-based Associated Credit Union, which allows new members to apply online. According to Sekar, those with a FICO score higher than 680 can qualify for a fixed 9.9% APR offered by the credit union, while those with a score of 600 will qualify for a 12% fixed APR.

Additionally, the card carries no annual fee, and there is no charge for balance transfers.

4. Journey Student Rewards Card from Capital One “This is a good card for students working on their credit,” Harzog says, explaining that it allows cardholders to earn extra rewards when they use the card wisely. Students get 1% cash back on all purchases, but get a 25% bonus on their cash-back rewards each month when they pay their bills on time. The card carries no annual fee but features a high APR at 19.8%.

Karlene F. – CA

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To George and the entire NCES Team,

I had to take a moment and give all of you a shout out before I shout out over the rooftops-You all ROCK! A good friend of mine had heard about your Company over a year ago and like most of us, I had some hard knocks that hit my credit and took my score from a proud 750 to a low 610.

After hearing about your Company, I got excited but naturally I was a little skeptical as there are many Companies out there claiming to help you change your score and fix your credit, most of them are very expensive and with no results.  I decided I had nothing to lose but to at least call the Company and inquire, after speaking with George I really felt I was in good hands and decided to give you a try, not to mention the price was very reasonable and  pay ½ now and ½ later.

After just my 1 st  round of you sending out my paperwork, my score has jumped from 610-612 to 662-665 and we still have 2 more rounds to good!!! Do I really need to say anything else…the numbers speak for themselves!

 

Thank you all so much, you are a blessing, I am looking forward to 800 in my near future!

 Karlene F. Los Angeles, Ca.

Marcus & Sherica – GA

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My wife and I signed up with National Credit Educational Services (NCES), last month after we were constantly being denied for credit , or if we were approved we were given a high interest rate . We did not know what to expect when we signed up with NCES, since most of the credit repair companies we dealt with in the past, promised a lot but delivered nothing.

However our experience with NCES has been completely different. After just one cycle we have seen tremendous results. On my wife’s credit report alone she has had 41 items removed off of her credit bureaus report. Furthermore we have been approved for unsecured credit cards with low interest rates .

NCES system really works and the credit counseling is so helpful, we’re so extremely pleased with the results thus far. We can’t stop telling our family and friends about NCES. Words cannot express how grateful we are to NCES family and all of their HARD WORK.

Thank you NCES… We will forever be grateful to NCES Family!!

Marcus and Sherica

Jacqueline C. – GA

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I was refered to National Credit Educational Services(NCES) by a friend and lord knows I’m so glad I meet Mr.George Cole and his staff. When I first started my credit scores were horrible I’m talking 505 , 544 and 554 , but after my first cycle with these wonderful people which was about 35 days. I receive my score back from all three credit bureau and they was 515 , 586 and 579 so they went up a lot.

So if you’re thinking about this service think no more because your credit is your life. Without NCES I don’t know what I would have done not to mention you go through 3 cycles. So I just started my second cycle and just wanted to mention that the staff was really good at answering my questions I had and keeping me inform on my status updates as I await the second and third cycles.

Thank a bunch …. so get up and call them now!!!!!!!

Jacqueline C.