NCCS makes use of the Fair Credit Reporting Act in helping their clients to improve their credit. We adhere to the most stringent privacy guidelines to protect your personal information.

Step 1: Enroll with NCCS
Choose our Get Started link to begin the process. We will request important personal information that we need to assist you. You will also digitally sign federally required disclosures that will allow us to begin working for you. Finally you will be directed to order your credit reports. Once you obtain your credit reports please mail them to use as soon as possible. Do not write on or modify them in any way.

Step 2: Review and Sign Documentation
You will receive a welcome package from NCCS within 2 hours of signing up online with further instructions on how we will process your account. You will also be asked to sign and return service disclosures and to include copies of your drivers license and social security card.

Step 3: We Go to Work for You
Once we've received your credit reports and information, we will draft letters to dispute negative items on your behalf. These letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation.

While this may sound easy, any person who has attempted to dispute his or her own credit will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large percentage of dispute letters sent directly from consumers are rejected under one pretext or another.

Step 4: You Receive Updates from the Credit Bureaus
The credit bureaus have up to 30 days to respond. You should begin paying attention to your mail for ANYTHING that has a return address of Equifax, Experian, or Trans Union about 2 weeks after you send NCCS your credit reports. Even if it looks like junk mail, forward it to us. Forward it to us, even if it's a report with no improvements. Simply forward everything.

If you do NOT receive anything from a bureau within 45 days, PLEASE NOTIFY US IMMEDIATELY, by email, preferably. We will need another copy of your most recent report or update, so make a copy of your copy and forward us the best copy.

Step 5: Repeat Steps 3 - 4 until You Get Your Best Result
Every client is different, but the average time for a client to remain with us is six to twelve months. In that time, you should see a significant improvement in your credit file and credit score. Welcome to a fresh start!