Credit Restoration

restorationNational Credit Educational Services [NCES] Credit Restoration is a methodical approach to create a more accurate and FICO friendly credit reading.

We will analyze all categories of your current credit report, including public records, collections and trade lines (credit cards and loans). Each of these categories has a different, but significant, impact on your credit score.

After a thorough evaluation, we will counsel you on what areas of your credit report may have errors or need further attention. You can then contact the reporting agencies yourself, or we can handle the communication for you for a very affordable fee.

It is important for you to realize that FICO and The ‘Big 3′ credit reporting agencies (Equifax, Transunion, Experian) are all independently owned, for-profit corporations. They work in their own best interest to protect their profits. Their business is collecting and selling your credit data to your potential creditors. Each time you apply for a credit card, fill out a lease for an apartment, or try to finance a car, your credit report gets “pulled”… and they get paid! They want to make sure they keep getting paid, so they tend to favor the creditor over the consumer by showing every possible negative detail they can.

NCES-logo-smallSO… WHO’S PROTECTING THE CONSUMER?  National Credit Education Services!

Here’s how our Credit Restoration Services Work:

We will contact the credit reporting agencies to verify the accuracy of all your accounts. We will petition to remove errors and inaccuracies as well as information that no longer needs to be on your report because of time limits or the specific source of the information.

If there are items left in a ‘dispute’ status on your credit report, mortgage companies will not approve you for a loan. We will investigate each disputed item on your credit report and work to resolve those issues.

We will also contact collection agencies to dispute dates of last activity. Sometimes, collection agencies “recreate” an existing account to make it look new when in actuality its ten years old!  This duplication approach can significantly reduce your credit score.

Collection agencies may report a different amount owed than what your original creditor reported. We will work to verify the correct information with your original creditor and petition that the correct information be placed on your credit file.

Finally, we will teach you how to communicate directly with your creditors. You can then reach out to your credit card companies, student loan administrators, and other creditors with confidence.

Knowledge IS power. If you know what to ask for and how to ask for it, your creditors will be much more likely to work with you.

At NCES, we assist our clients in understanding credit so they can heal from the negative cycle of debt and build positive credit habits for a lifetime of financial success.

Contact us for more information or call (770) 952-5168 to set up a free consultation.