Can you fix your own credit?
In a word… yes.
You can also change the oil in your car… replace your own plumbing… and groom your own dog.
But you probably don’t.
Why? Because it is more efficient and convenient to use the services of a professional.
It’s the same for credit restoration. Our founder, George Cole, has been in the credit industry for more than 20 years. The knowledge, know-how, and relationships he’s developed over that time are the foundation for the work we do at NCES.
We don’t do anything you couldn’t do yourself, we just make it a lot easier. We handle all the details for you – and you get access to great education along the way to help you keep your credit reports clean for good.
The physical process of disputing items on your credit report is not actually all that difficult. Here’s the breakdown step by step:
Request free copies of your credit reports
…from www.annualcreditreport.com. You are allowed one copy per credit reporting company per year. You can order all three on the same day (Experian, TransUnion, Equifax). Make sure you keep them organized so you are sure what records came from what company. (Don’t worry about getting additional copies to follow up with disputes. The credit reporting companies are required to provide you with copies after each item is deleted or corrected.)
Note: If you also want to get your actual credit score, you will have to pay for it from one of the credit reporting agencies. It might be a good idea to get one when you start, and purchase your score again after you have finished correcting errors to see how your score has changed.
Read each report carefully line by line
… to look for any errors or accounts you may not recognize. Pay extra attention to the spelling of your name and be on the lookout for previous addresses where you never have lived. Errors here may indicate your credit report has been “blended” with someone else’s or that you may be a victim of identity theft.
For each error you find, write a detailed letter
… to the credit reporting company on whose report you found the error. (So, if you found three errors on Experian, two more on Equifax, and six on TransUnion, you will be sending out a total of 11 letters.) Explain in detail why you believe there is an error. If you find the same error on multiple reports, you only have to send the dispute letter to one company. If a correction is made, that company is required to inform the other two credit reporting companies. Send each letter by US Mail and use a certified return-receipt so you have proof of delivery. Include a photocopy of the credit report with the item you are disputing circled in ink.
Note: only dispute items that are truly inaccurate or not yours. If you try to dispute a negative account that you know is accurate in hopes it will get deleted, you run the risk of the credit reporting companies marking your disputes a frivolous and ignoring future disputes you any send.
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Wait for responses.
The credit reporting companies have 30 days to conduct their research and respond to you.
If you disagree with the answer you receive,
…dispute it again. Sometimes it takes 2 or 3 disputes before an error is corrected.
Keep copies of all the letters you send out for your records.
When the certified return receipt postcard comes back to you in the mail, staple it to your copy as proof of delivery. Also keep the letters you receive from the credit reporting companies on file. You’ll have a box full of paper, but it contains the paper trail you’ll need if anything you successfully have removed from your credit report shows back up somewhere down the road. This happens more than you may realize, especially with collections accounts.
This is pretty much the same way we handle disputes on behalf of our clients. We send the letters… track the responses… and file new disputes as needed.
So why use NCES and not just do it yourself?
Here are a few really good reasons:
- We are certified by the IRS and have established relationships with the credit reporting companies. When they receive a letter from us, they know we are filing legitimate disputes.
- Our team of specialists will examine your credit report to help you identify what records can be disputed, giving you the best chances at a better credit score.
- We keep track of all the paperwork. You simply forward everything you receive from the credit reporting agencies to us.
- We’re efficient! We have a team dedicated to moving our clients through the process as quickly as possible, so you can get on with improving your credit score and living the life you deserve.
- In addition to our credit restoration services, we offer educational materials and live coaching sessions by phone to teach you the skills you need to build stronger credit and maintain a clean credit report long term.
Quality credit restoration takes time. If you hear someone offering to “fix” your credit “overnight” or says they can create a new credit identity for you… run away and never look back.
They are lying.
You could even end up in jail on felony fraud charges if you use their services! They “clean” your credit so fast because they either attach your social security number to someone else’s identity or “assign” you a new social security number that actually belongs to someone else. Either way, you look like an identity thief.
Your credit score is too precious to let just anybody touch it. NCES is a nonprofit credit education and restoration company certified by the IRS and serving all 50 states.
If you’d like to learn more about the NCES credit restoration process, give us a call. We have credit restoration consultants all across the US who can work with you one on one to get you started.
Or, you can get started right now over the phone! Just call 770-952-5168 during east coast business hours.
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If you have any questions, please give us a call at 770-952-5168 or contact us online.
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This information is intended for informational and educational purposes only and not as legal advice. If you have concerns about your credit report, harassment, identity theft, illegal collections activity, garnishments, or property liens, you should consult an attorney who specializes in consumer rights and defense.