NCA Credit Repair - Frequently Asked Questions (FAQs)


Can bad credit be deleted?

The credit bureaus would like consumers to believe that negative items must stay on your reports for a period of 7 years (10 years for bankruptcy chapter 7), and that you don't need the services of a credit repair company to assist you in improving your credit. The credit bureaus as well as the FTC (Federal Trade Commission) issue warnings to consumers about credit repair companies that charge up front fees. Many of these companies are frauds, and simply take your money and do not deliver any real results.

Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day. The proof is clear.

Ultimately, you will see for yourself that bad credit can be restored. What the credit bureaus don't want you to know is that you can restore bad credit in much less time than seven years. It's not necessarily easy or foolproof, but the right to challenge and improve your credit is yours, and with our services, there are no up front fees, you only pay for items successfully deleted or improved on your reports.



Can bad credit be deleted?

Can credit repair companies be trusted?

Can credit repair companies really guarantee results?

How much does bad credit cost?

Are items such as bankruptcy and forclosure impossible to remove?

Should consumers try credit repair on their own?

Does bankruptcy wipe the slate clean for a second chance?

Do creditors bother to read the 100-word statement?

How can changing one's SSN or EIN tax number help credit matters?

Does enough good credit offset any bad credit?

Does the CCCS help consumers restore credit?

Do negative items remain listed for at least 7 years?

What is the Fair Credit Reporting Act (FCRA)?



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