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Frequently Asked Questions

What are the advantages of using NCR Financial?

While there are many companies who brand themselves as credit repair organizations, most of them lack the breadth and depth of experience and expertise necessary to adequately represent you. Some of the specific advantages of using NCR Financial are:

How much does bad credit cost?

The cost of credit repair is small compared to the cost of living with bad credit.

Below are a few examples of the cost of bad credit.

How long have you been doing credit report repair?

NCR Financial offers a staff of people with over 10 years of experience who have been repairing people's credit by challenging the credit reporting companies and the methods they use to blacken the credit of thousands of Americans. Using lawyers, accountants, underwriters, bankers and repair specialists, NCR Financial demystifies the experience of credit repair. We employ innovative solutions and adhere to the laws and regulations that govern the credit reporting industry.

How do you restore bad credit?

Once we've received your credit reports, we analyze your credit history to identify items that are responsible for bringing your credit score down. Then we draft letters to dispute these negative items on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so, it is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another. NCR Financial's letters are expertly designed such that credit bureaus will accept the dispute and conduct an investigation.

A disputed credit listing must be verified as accurate for it to remain on the credit report. If the credit listings contains an error, the credit bureau may simply correct the item, but. very often, disputed credit items cannot be verified because either the creditor either no longer possesses necessary information or does not to go to the effort of verifying it. Furthermore, the investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency.

At the conclusion of the credit bureau's investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals.

Each time an investigation is initiated, the odds of receiving a particular deletion increases.

How long does it take?

Everyone wants you to see results immediately. Although everyone's credit history is different, most people will see progress within the first 45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible. As a reference, the average person with 7-10 inaccurate, misleading or obsolete items on each credit report should be prepared for a 3-4 month commitment.

Do you guarantee results?

By law, no company can guarantee that they can have items removed from your credit reports, but we stand behind our services and, if you feel you do not see results, we will evaluate your account and you will receive a portion of your money back if appropriate progress with your case has not been made. Please refer to our Terms of Use and Warranty for more details.

What if removed items reappear?

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. NCR Financial will re-challenge the item with the full force of the prior removal in our favor.

Is this legal?

Yes, you are given the right under the Fair Credit Reporting Act (FCRA) to challenge inaccurate, misleading and obsolete items appearing on your credit report. NCR Financial uses every venue available to you under the law to help you assert these rights.

How is this done legally?

Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use NCR Financial to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.

How much does your service cost?

Our fees are as follows:

INDIVIDUAL: $249.95 Analysis/Audit Fee Plus $79.95 for First Month Service
       Total Due Now $329.90    Then $79.95 per Month

COUPLE: $479.90 Analysis/Audit Fee Plus $159.90  for First Month Service
       Total Due Now $639.80    Then 159.90 per Month

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What is a credit score?

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. A credit score is a numeric indication of how likely you are to repay debts such as loans or lines of credit. Lenders use this number to determine how much of a credit risk you are.

Credit scores also are designed to indicate your creditworthiness in comparison with other consumers.

Credit scores are based on the data in your credit report and are generated by computers using advanced analytical software. Usually a credit score is between the numbers 300 to 900. The higher your score, the more "creditworthy" you are to lenders.

What is my credit score based on?

Credit scoring is based on many factors that may include:

Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.

How can bad credit be deleted?

Negative credit listings are deleted from peoples' credit reports each and every day!

NCR Financial is hard at work every day challenging damaging and questionable credit entries on behalf of its clients. Utilizing proven and absolutely legal methods, NCR Financial is a professional organization working for you and your credit.

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