How Long Should It Take To See Results After Starting NCES Credit Restoration?

When you start your NCES credit restoration program, you want results.


So how long does it take to start seeing results after starting credit restoration? The simplest answer is between 21 – 45 days.

The more accurate answer is… it depends.

The fact is, how fast you see changes on your credit report (or in your credit score) depend on many factors:


The Paperwork


There are just a few key pieces of paperwork to turn in to us when you begin your credit restoration. If you choose to do this by mail, it can take from a few days up to a week – depending on weekends and holidays. If you submit your paperwork electronically (which we highly recommend) you can start in under 24 hours. But, we cannot start your restoration program until we have the documents we need.

After your credit restoration has begun, we rely on you to send us the updates you receive from the credit reporting companies. Because of privacy laws, all three credit reporting companies must mail their updates to your home address (as it appears on your credit report). It is important that you keep a close eye on your mail throughout the credit restoration process because these updates are easy to overlook. They come in plain, unmarked white envelopes to further protect your privacy.

You can get results faster by…. Sending in all your paperwork and updates promptly.


The Credit Reporting Companies


As soon as we have your paperwork, the clock starts. It takes approximately 45 days for the Credit Reporting companies to respond to our challenges and send you an official update.

Why so long? They need time to research each challenge we send. We’d rather they do it right, that do it fast.

You can get faster results by…. Logging in to your credit monitoring system weekly to see when each challenged item changes status. We recommend that our clients invest in monthly credit monitoring during the NCES credit restoration process. With it, you can see items deleted and reversed as they happen and watch your credit score rise in real time. As soon as your score hits your goal, you can take action to move forward towards your dreams.


Communication With NCES


How effectively you communicate with our NCES staff is key. We won’t know you have a question or concern unless you reach out to us!

You can always call the office directly at 770-952-5168 between 9 am and 5 pm eastern time, use the Call Now button on our Facebook page using your smartphone, reach us via email at, or use the Contact Us form on the NCES website.

Reach out to us right away if you have any questions or are getting concerned – we can help you check into the status of all your challenges. We are happy to help (that’s what we’re here for!)… you just have to let us know when help is needed!

You can get faster results by… reaching out to our helpful NCES staff as soon as you have a question or concern. We’ll help you find the answers you need to keep your credit restoration moving along as quickly as possible.


The Process


One of the reasons why NCES credit restoration program is so successful is that we complete three consecutive rounds of challenges on your behalf to ensure the best possible outcome – and the highest gain in your credit score. It frequently takes more than one challenge for the credit reporting companies to be satisfied that a record should be changed or deleted.

Three rounds of challenges means three sets of reports sent from NCES to the credit reporting companies… three waiting periods of 45 days for the credit reporting companies to process those challenges… plus the time for them to send updates to you by US mail… and the time for you to fax / email / mail those updates to us.

In other words, the process itself takes time.

If everything goes smoothly, all three rounds of restoration can be completed in as little as 6 to 7 months. Typically, the whole program takes closer to 9 months but can take up to 12.

The good news is that you do not have to wait through the entire process to begin seeing results. A majority of NCES clients see improvements in their score and items being removed during the first round of restoration – in as little as three weeks.

And, they continue to see improvements throughout the remainder of their program… as long as they practice good credit habits.

(Remember, NCES credit restoration can help you recover from the mistakes and misfortunes of your past. Your choices now and in the future will continue to impact your credit score for the rest of your life.)

After completing three full rounds of credit restoration, many NCES customers achieve 50 – 100 point gains in their credit scores. Some gain as much as 150 points. (Editor’s note: we recently helped a gentleman whose score rose 150 points in the first 30 days! Everyone’s case is different… but just imagine the possibilities.)

You can get faster results by… doing your very best to follow the guidelines and instructions we provide when you first begin your credit restoration. We’ve helped thousands of consumers across the country through this process. And we are ready to help you, too!


If you have any questions, please give us a call at 770-952-5168 or contact us online.

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Other articles that may interest you:
3 Instant Credit Score Fixes
How to Turn Your Tax Return Into Something much BIGGER
The Anatomy of Your Credit Score

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.

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