NCA Credit Repair - Frequently Asked Questions (FAQs)


Should consumers try credit repair on their own?

Disputing the credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything in their power to discourage consumers from making progress in their restoration efforts.

Restoring your own credit is like repairing your own transmission or representing yourself in court; it is possible, but you must decide if you are willing to take the time and assume the risks of doing it yourself. If you lack the proper dedication, time, and knowledge, you can actually do more harm to your credit than good.



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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