There are a lot of options out there when it comes to getting help with your credit. Some companies are good – others… not so much. We are different – and very proud of that fact. For an overview of why NCES credit restoration is so unique, please take a look at our 6 minute introduction video.
If you are still wondering if NCES credit restoration is the right choice for you, see how many of these statements you agree with:
I want to buy a home or start a business in the next 12 to 18 months.
Congratulations and best of luck! Completing at least one round of credit restoration with NCES will help you be more confident going into the bank to ask for financing. You will know exactly what is on your credit report and more likely to qualify for affordable finance rates. The full NCES credit restoration program includes three cycles of restoration and typically takes about 9 months to complete. One year from now, you could have all the credit you need to make your dreams come true.
I am overwhelmed when I look at my credit report because of the very large amount of information it contains.
You are not alone. That’s why our highly trained staff can help you decipher all the important details on your credit report. We’ll point out what entries may be errors and what accounts are good candidates for restoration. We’re here from 9 am – 5 pm eastern every weekday (except some holidays) and are happy to answer your questions.
I have collection accounts that are older than 4 years and may have moved from one collection company to another
Older collection accounts are great choices for credit restoration. Once a debt has been bought and sold by collection companies a few times, there is a good chance the current “owner” doesn’t have the documentation needed to prove to the credit reporting companies that YOU owe the money or (more specifically) that you owe the money to THEM. As those accounts fail to be verified, they are deleted from your credit report and your score rises accordingly.
I’m ready to restore my credit! Schedule my free consultation today.
I have made mistakes in the past but am ready to mend the error of my ways and start using money responsibly
Good for you. We all go through rough patches… but we can’t let them define our lives. Alongside the NCES credit restoration program, you’ll have access to comprehensive educational materials and live credit coaching conference calls with our in-house credit expert every Monday evening at 7:30 pm eastern. Getting your credit back on the right track is only the first part… learning the skills and habits you need to keep your credit in shape for the rest of your life is also critical.
I have never checked my own credit report and wouldn’t even know where to begin
Believe it or not… we hear that all the time. The credit reporting system is complicated and difficult to wade through. In fact, we believe the system is purposely stacked against the consumer. Unless you know exactly what you are doing – or have a knowledgeable ally on your side – you can get steamrolled by the system and never get ahead. From the very first time you read your credit report, you’ll have our caring, professional team at your side.
I think I may have errors on my credit report because I see accounts I do not remember opening
That wouldn’t surprise us one bit. The error rate on credit reports is alarming – nearly 40 million Americans have errors on their credit reports significant enough to affect their scores. (That’s the same as the entire population of California!) These errors can be a matter of simple human error during data entry or because of something more complicated like identity theft or “blended reports” when two credit files are accidently combined. Whatever the case, NCES credit restoration will help you get to the bottom of it.
I know my credit needs work, but I just don’t have the time to deal with all the paperwork
Well, that’s exactly what we’re here for! Our office handles all the communications that must be sent to all three credit reporting companies, tracks the results, and re-challenges errors and negative remarks that may pop back up. All you have to do is send us the update letters you receive from the credit reporting companies by email, fax, or physical mail. (And, of course, keep working on those good credit skills through our education program.)
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I have made some late payments to creditors when I was going through a difficult time, but before that and ever since, I have made my payments on time.
Your hard work will pay off for you during your NCES credit restoration program. One of the key features that makes us different is that we are often able to negotiate with the credit reporting companies for a “reversal” of late payments. When the late payments are reclassified as “paid as agreed”, your credit score can rise quickly because you are removing the negative record while preserving the length of your credit history. (Compare this to other credit “repair” companies whose main tactic is to delete negative records – and your credit history goes with it!)
I know my credit needs improvement but I need more knowledge to make it happen.
Now you’re speaking our language! There’s a reason our name is National Credit EDUCATIONAL Services. Our founder, George Cole, travels from coast to coast teaching others about credit scores, the credit reporting industry, and how to build positive financial skills. He also hosts live credit coaching conference calls every Monday evening (7:30 pm eastern, 712-432-0075, pin 6787778#). They are free and open to the public – so feel free to join in any time. He answers your questions live every week so you get the knowledge and support you need to keep your credit healthy. Plus, we have a great blog, an active Facebook page, and other educational opportunities through the NCES credit restoration program.