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Credit Repair

For the best credit repair solutions, you can bank on the services of National Credit Organization (NCO) in order to fix bad credit. We are one of the well known registered and bonded credit service organizations (CSO's) in the United States. NCO is the perfect place to get first class credit repair service and advice. Starting from maintaining and increasing your credit rating to useful advice about how to fix credit, you will get assistance about all issues related to repairing bad credit.

Based in Houston, National Credit Organization is known as a renowned name in the field of credit repair services offering first class affordable services. If you are looking to get professional advice on repairing bad credit, our credit experts offer credible and proficient guidance to help you take the right step.

All the services offered by NCO comply with all state and federal rules, regulations and guidelines so that you receive 100% legal solutions including our proprietary methods. And to add to all of this, we charge moderate fees. Our money back policy ensures that clients receive a full refund if we fail to do our job, for any reason, within a particular time period.

Our Proven Method

National Credit Organization will be the first to tell you that Credit Repair does not happen overnight and it is not magical. It is a process that takes time and effort. There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the FACT Act (Fair and Accurate Credit Transactions Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts hold your creditors and credit bureaus legally responsible.

Our first step is to audit the credit bureaus and creditors in accordance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. We also use Strict Verification By-Laws where we apply certain Guidelines and Regulations while enforcing your Consumer Rights. Our proprietary methods and innovative techniques have proven time and time again to be successful in the removal of questionable negative and derogatory items.

Our methods are different from the majority of our competitors. Most credit repair companies or law firms only send out dispute letters to the credit bureaus. We send letters to the credit bureaus and your creditors while utilizing our proprietary methods.

Another key element to our success is that our dispute process primarily focuses on reporting errors whereas the majority of all other credit repair companies focus on trying to correct inaccuracies on your report.

Although 79% of credit reports have errors on them, the vast majority of negative items on a typical credit report are valid in fact. Therefore, if you simply dispute all the negatives on your reports, those that are valid will most likely be verified by the credit reporting agencies and remain on your credit reports.

Our dispute process is very simple:

Once you enroll in our program this is what we do.

We dispute reporting law - not whether or not an account is yours but whether or not the credit bureaus have that “verifiable proof” they are required by law to have on that account and never about what type of negative account we challenge. Under the FCRA the credit bureaus are required by law to provide you a copy of verifiable documentation if it is requested by you, the consumer.

You, the consumer, have a right to receive a copy of the original creditors documentation. When we request that same verifiable proof in a debt validation letter to the creditor typically they reply in a timely manner and will fax or mail you a copy of your account application/history within 24 hours.

Here is what we find very interesting: We have never received a single copy of verifiable proof on a single client account from the credit bureaus. The credit bureaus do not have them on file. All credit bureau reporting is done electronically via email or fax. To your benefit this is NOT what the law states must be done. Not a one of the 3 major credit bureaus (Equifax, Experian and TransUnion) are in compliance with Section 609 of the Fair Credit Reporting Act (FCRA).

There is not one single negative item which cannot legally be removed from a credit report if the credit bureaus cannot, or will not provide “verifiable proof” that the item reported belongs to you. Yes, this includes Bankruptcy, Foreclosures and Tax Liens.

By law you have the right to question any information on your credit reports that you think may be inaccurate, untimely, misleading, incomplete, unverifiable, biased or unclear. If an item cannot be verified in a timely manner, then it must be removed. If your credit reports contain unverified and questionable negative and derogatory information, call us today at 1-800-939-1038 for your free credit consultation.

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