Three Warning Signs You Need Credit Restoration Fast

Maybe you have been toying around with the idea of trying credit restoration… maybe you’ve never even heard of it.

Doesn’t matter. If any one of the three situations below sounds familiar, you better stop what you’re doing and call us ASAP. There’s trouble brewing… and you need credit restoration to get ahead of it before any more damage is done.

why was your credit application denied

Warning Sign #1: You were turned down for a loan

Chances are, most people don’t apply for a mortgage, auto loan, or student loan without at least some expectation that they will be approved. If your application was denied – especially if you were completely surprised that you were turned down – it’s time to do some serious credit-detective work.

There are many reasons why an application for a loan or new line of credit may be denied – ranging from an inadequate work history to problems on your credit report.  The more confident you were that your application would be approved, the faster you need to act. Credit scores don’t suddenly hit the decks unless something is seriously wrong, like identity theft or fraud.

To learn more about exactly what to do after a credit denial, read this article.

I’m ready to restore my credit!     Schedule my free consultation today.

woman-96108_1280 pixabay

Warning Sign #2:  It feels like debt collectors have been calling you about the same old debt… forever

Not all debt collection companies break the law, but enough of them do to make it a serious problem for consumers in America. The sad truth is that debt collection companies buy and sell bundles of bad debts over and over again, like a never-ending shell game. There’s no paper trail, no consistent documentation, and, in the end, no real way for them to prove in a court of law that you actually owe them any money.

In fact, when push comes to shove, most debt collectors will drop you like a hot potato if you show some guts and prove you know more about the law than most folks. For a crash course in closely-held secrets of debt collectors, take a look at this article.

Now, if you’ve been getting calls about the same debt(s) for a long period of time – like more than 3 or 4 years – there is a good chance the debt is past it’s legal statute of limitation. The debt collector knows that they can no longer take you to court to collect, but they are banking on YOU not knowing that.

And, the older the debt, the more likely we can help you challenge it and get it removed from your credit report for good.

No matter how old a debt may be, you have to know what to say (and what NOT to say) when a debt collector calls. Here’s our top 10 tips for dealing with debt collection calls:

ignorance is no excuse

Warning Sign #3: You have no idea what your credit score is… and you are afraid to look.

Ignorance is not bliss… it is simply ignorance.

Not knowing what your credit score is, or what factors are used to calculate it, is no reason to ignore it.

Your credit score probably has more influence on your life than you realize… beyond credit cards and loan interest rates, it can be the deciding factor on whether or not you get the apartment you want or the new job you’ve been dreaming of. Credit scores can also come into play on your car insurance rates, utility rates, and your obligation to pay security deposits for utility and cell phone services.

It’s time to take responsibility for your current financial situation and learn all you can to create the future you deserve. No matter where you come from, how bad you think your credit might be, or the type of financial troubles on your past… you deserve a better future.

The fact of the matter is that the credit reporting industry is stacked against us. The system is designed to “protect” creditors and line the pockets of shareholders of the three main credit “bureaus”.

Start your credit education here to learn what factors go into calculating a credit score today: The Anatomy of your credit score.

Now go to annualcreditreport.com to order a free copy of your credit reports. You can actually check your credit three times a year for free for the rest of your life if you follow the advice in this article.

Next, you can learn why it’s so easy to mess up your credit score and what you have to know to build a good credit profile that will last for the rest of your life. 

Building a strong credit profile is not something that just happens. You have to develop a plan, learn the rules, and have a strong advocate on your side. That’s where NCES and our credit consultants can help. If you have any questions about our nationally recognized credit restoration program, please give us a call or contact us online today.

4 Ways to Boost Your Credit Score Fast
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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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Other articles that may interest you:
Two Things you MUST Know Before Considering Bankryptcy
This Bad Money Habit is Killing Your Future
7 Ways to Improve Your Credit

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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