Credit Repair Letters
What do credit repair companies do?
Under the Fair Credit Reporting Act, credit repair companies cannot do anything that you cannot do for yourself at little or no cost. You do not have to pay a credit repair company to learn what is in your file or to correct inaccurate or incomplete information. No one can legally remove accurate and timely negative information from a credit report but you can obtain a copy of your credit reports and also dispute mistakes or outdated items to a credit bureau.
What does the FTC (Federal Trade Commission) say about credit repair?
The FTC’s concerns regarding credit repair agencies address the unethical individuals who have taken advantage of the rising demand of credit restoration by posing as credit repair companies on the Internet or via telemarketing, making promises they either couldn’t keep or never intended to keep, and/or charging fees up-front and then vanishing after providing minimal and inadequate services – if any services at all.We work with several licensed and bonded 501 ( c ) ( 3 ) non-profit consumer credit counseling agencies, mortgage companies, loan companies and credit repair companies.
Why is a Law Firm better at repairing credit than a credit repair agency?
Law firms and credit repair agencies operate under different sets of government regulations. Because of increased consumer complaints in regards to disreputable credit repair agencies, the government has imposed strict regulations on credit repair agencies. Overall, these regulations are a positive step towards protecting consumers from disreputable credit repair companies; however, the regulations also restrict some of the service offerings of legitimate credit repair agencies.The FTC’s concerns regarding credit repair agencies address the unethical individuals who have taken advantage of the rising demand of credit restoration by posing as credit repair companies on the Internet or via telemarketing, making promises they either couldn’t keep or never intended to keep, and/or charging fees up-front and then vanishing after providing minimal and inadequate services – if any services at all.
WHAT SETS NCCS APART FROM OTHER COMPANIES THAT CLAIM TO DO CREDIT REPAIR?
Simple ? Our experience, our strong ethics, our implementation of technologies and our straight-forward billing structure.First it’s a good idea to look beyond the advertising claims and look for experience and a track record that will give you the confidence in making a decision. Beware as there are many credit repair companies that prey on unsuspecting consumers, who actually achieve incredible results by deleting thousands of negative credit trade lines when statements are provided that are not totally true.
Who are we?
We work with several licensed and bonded 501 ( c ) ( 3 ) non-profit consumer credit counseling agencies, mortgage companies, loan companies and credit repair companies. Our goal is to help individuals and their families get out of debt and educate them towards sound credit use and budgeting for their future. After you submit your information to us via the internet or by telephone, we then match you with the company that best suits your individual needs.Any credit repair company that guarantees a perfect credit rating or guarantees to deliver a perfect credit score is not telling you the truth and should be completely avoided. Every credit report presents unique challenges and difficulties that a legitimate credit repair agency will need to address in order to.
How can I improve my Credit Rating?
We would not advise that you get involved with so called ‘credit repair’ companies as they don’t do anything that you can’t do yourself. Make sure there is no incorrect information on your credit file, which is affecting your credit rating. You can check this by applying for a copy of your file as shown below.
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