Frequently Asked Questions about Credit Repair

Just $79 per month:

Over 100,000 customers have trusted us to restore their credit because we stand by the job we do. Our service is risk-free now. By allowing you to cancel at any moment and receiving a refund for both the prior month and the current month, we utterly guarantee your pleasure. You may be sure you won't ever pay for anything you aren't satisfied with when you pay as you go and month by month. You won't be charged for that month of service if you decide to cancel at any time. Our flat-fee pricing comes with a complete six-month satisfaction guarantee if you selected it. We're prepared to go above and beyond to ensure that you become one of our thousands of satisfied customers.

The amount of time needed to repair your credit varies depending on the specific circumstances. In the first 45 to 60 days, the majority of our customers see credit responses.

Whatever depends. There are various variations among credit reports. This implies that changes we make to one person's credit may or may not have a greater impact on their score than those we make to another. We've discovered that the "average" never applies. Some people's scores increased by more than 200 points, while others only gained the final 20 points they required to be approved for a mortgage. Results will vary from person to person, but you can be sure we'll deliver you the greatest outcomes. And you have nothing to lose thanks to our "unbeatable satisfaction guarantee®"

Oh, yes. Get $20 off each of your initial payments when you sign up your spouse after placing your order, or up to three days later. Simply register yourself first, then after placing your order, you'll be able to register your spouse. (Flat-fee pricing does not qualify for an additional discount.)

At National Credit Education Services, we prioritize transparency, customer experience, and results. Inspired by industry leaders, we offer a comprehensive range of services, from dispute services to credit monitoring and identity theft protection. Our team is dedicated to ensuring your credit report is accurate and reflective of your financial history.

You'll receive a welcome email and phone call from National Credit Education Services®.

With National Credit Education Services, clients have access to a user-friendly portal where they can track their credit repair progress, view dispute status, and access educational resources.

Easy! You will see items that have been modified, updated, or eliminated each time you receive updated credit reports throughout the course of your subscription. A change or update to an item typically indicates that the account has been made better in some way (such as adding a late history). A negative item has been removed from your credit history if an account has been completely deleted from your credit report. These are typically charge-offs, foreclosures, collections, etc. Additionally, we'll highlight significant developments in your client account, which you may see online.

You should receive your reports from the credit reporting agencies within 60 days of signing up.

Your information is safe and private since only our credit service specialists will have access to your credit reports and our privacy policies' privacy safeguards.

We examine your credit report to identify any issues and potential improvements.

Laws were passed, notably the Fair Credit Reporting Act (FCRA), to help you because you are ultimately responsible for ensuring that your credit report is accurate. You have the authority to immediately contact the credit bureaus to dispute things on your credit reports under the FCRA. Any and any information that is unreliable, out of date, deceptive, prejudiced, incomplete, or impossible to verify may be disputed. Your credit report must be cleared of any information that cannot be verified.

Unfortunately, that is not how the credit reporting system operates. The negative entry on your credit report remains even after you pay off your loan. The difference between a paid and an unpaid bad item on your credit report is negligible. The account will be updated by the credit reporting bureaus to reflect payment, but the negative history will remain. Here, our conflict resolution procedure can be useful.

Late Payments

Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late. We see more late payments being removed than any other negative item.

You bet! We have had tremendous success challenging collections and removing them from your credit report.

Yes, foreclosures can be removed. Although they are very difficult, we again take every step possible to do so. Keep in mind that all public records remain "public records" however.

We generally tell our clients they shouldn't expect their bankruptcy to be removed. Bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old. Our service has been known to remove them with an impressive 30% success rate with past customers.

Late payments on student loans can be removed, although student loan debt cannot be settled.

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.