How Does Credit Restoration Work?
Credit bureaus insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don’t believe that. NCR Credit Plus has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained virtually the same.
Here are the four essential steps that make up the process of restoring your credit profile.
Step 1: We examine your credit reports
You begin by mailing or e-mailing copies of your driver license, social security card and a current bill with your current address, Document’s MUST have same address as Drivers License. (PLEASE SEND DOCUMENTS IN A PDF FORMAT) to clients@ncrcreditplus.com. If you do not have a current copy (within 45 days) of your Credit Report we request you use one of these company’s we recommend.
Obtain Credit Report
Step 2: You tell us which items to dispute
Your Credit Representative will contact you within 24 hours of receiving your documents and reports. We will go over your report in high details while you let us know which items you would like us to dispute. All account information will be avaiable for your access 24/7 online.
Step 3: NCR Credit Plus works your case
NCR Credit Plus begins to dispute your items by using its arsenal of credit restoration strategies and our experienced staff to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle…
Step 4: Sit back and wait for results
The credit bureaus have 30 days to investigate your dispute. Within those 30 days they must provide proof of the discrepancies on your report or be forced to delete those negative items. They will send you an updated credit report, once you receive those documents, you will then fax it to us. This cycle begins again, and we remove more negative items from your reports… Keep in mind that the credit bureaus will only correspond directly with you, not NCR . These updated reports are CRUCIAL for us to see which items were removed successfully. Once you receive updates forward them immediately to our office. By not doing so it will delay the improvement of your score.
24/7 Account Access
Stay up to date on all activity on your account 24 / 7 . You can log into your account, and visit our Progress Status Section and see exactly what is being done, when it was done, and whats next to do on your account.
Unlimited Investigations
There are no hidden fees with NCR Credit Plus. We give unlimited disputes and we do not charge per deleted item.
Cancel Anytime!
There are no hidden fees with NCR Credit Plus. We give unlimited disputes and we do not charge per deleted item.
Under the Fair Credit Reporting Act
You are given the right to challenge inaccurate, misleading or obsolete information. We take on this challenge for you.
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Its suggested to pull a credit report from all three because information may be different with each bureau which could be disputed for erroneous reporting and possibly eliminated just by submitting a simple dispute letter! Creditors are not required to report to any of the agencies, and often they will report to just one. Having all three credit reports on hand will help make restoring your credit easier and more thorough.