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On average, we remove 80% to 90% of the negative items from a credit report. We're affordable, trustworthy and we GET RESULTS! No Hidden Fees. We are also Board-Certified Credit Consultants and members of the Credit Consultants Association. 

Contrary to what credit bureaus want you to believe, credit restoration does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. At NC Credit Solution, we are experts in Credit Restoration and are Board Certified. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It’s important to understand that credit restoration does not happen overnight and takes time to amend. It is possible to remove anything from a credit report, even accurate items with the right credit strategy. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Also, there are specific requirements the Credit Bureau, Collection agencies, and Creditor must adhere to, when placing items on consumer credit reports, if these requirements are not met, the negative items can be removed. 

Credit monitoring is required to monitor and assess changes on your credit report from all three bureaus Equifax, Transunion and Experian on a monthly basis. This is included in our premium package but not in our basic package. Credit monitoring is critical in the credit restoration process. 

We will guide you through the process from start to finish and prepare all your documents for you.  We are with you every step of the way. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received). 

This is a question that is asked often. Through our services, we're quick and efficient and mail off dispute letters within the first week via certified mail. Credit Bureaus have 30 days to respond to dispute letters, so you will see improvement within the first 45 - 60 days. NOTE:  Each credit report is different, thus credit completion will vary based on your current credit standing and your credit goals. Many clients average 6-9 months in our program. Time frames vary per client because every client situation is different. 

Yes, The first dispute letters we send out to the bureaus will be sent certified mail. After that, it will be regular mail. All clients will have access to their 24/7 client portal to see the tracking numbers of the first letters. 

Yes, it is protected by a 256-bit SSL security and all of your information is secure and confidential. 

We update accounts through your client portal every 30 - 45 days. You will have access to the portal 24/7 and will be able to message a Board Certified Credit Consultant at any time. You will receive a response within 24 hours.  

Yes, it is legal and our services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. 4 out of 5 people have errors on their credit report. Therefore, most credit reports improve immediately. For items that’s disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that. You are in good hands with our company. 

98% of items do not come back. By law, Collection agencies and credit bureaus must notify you before putting items back on your report. Moreover, collection agencies can transfer debts, in which case, you have 30 days to respond to the debt.  If an item does come back, we can target it and delete it. 

Both of the repossession whether involuntary or voluntary surrender will have the same effect on your credit report because you broke a loan agreement and failed to pay. A repossession can stay on your credit report for up to 7 years. There are a few ways we can help remove this but the first step would be to take a look at your credit report and conduct an audit. 

With our assistance, our clients have had great success with bankruptcies, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, duplicate collections account, closed accounts listed as open, in accurate negative cosigned accounts, judgments, tax liens and student loans. 

NC Credit Solution offers a month to month service with no long term contract. You can cancel your enrollment at anytime. 

Absolutely! This is reflected on our website and lays out the requirements in order to receive a refund.