NCA Credit Repair - Frequently Asked Questions (FAQs)


Will deleted items reappear on my credit reports?

Based on the way that we dispute items on your credit reports, it is very rare that a negative listing that was recently deleted will reappear on one of your reports. If a negative item does reappear, it typically will happen within 30-60 days of deletion. In our process, we will catch that item and simply work to remove it again.

However, if you have a new late pay on one of your active accounts, then it is common that all the past history (good and bad) for that account will show on your reports along with that new late pay. This is considered a "new" late payment.



How do you restore bad credit?

How do you repair credit legally?

How long does it take to improve my credit?

Will deleted items reappear on my credit reports?

Do I need to pay my bills?

Does paying off past-due accounts neutralize their negative status?

Do I need to see my credit reports first?

Do you guarantee your service?

Can I restore my own credit?

How do I get started?

How do I get updates on my case?

What kind of items can you delete from my credit reports?



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