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On paper, the credit restoration process is very simple. The Fair Credit Reporting Act outlines the specific channels and guidelines that govern the process and the credit bureaus themselves have internal credit repair mechanisms that allow consumers to challenge items on their own.
Unfortunately, the theoretical framework of the system and the actual practice of credit restoration are very different. In a perfect world, consumers could count on the credit bureaus to participate in the process according to the letter of the law. They could expect that every investigation request would be answered. They could expect to receive prompt, first call resolution to their problems. They could expect to reach sympathetic and professional customer service representatives who would quickly and helpfully point them in the right direction.
As anyone who has ever attempted any form of credit clean-up will emphatically tell you, this is not the way the system operates. At best, attempting credit repair on your own can be time-consuming and frustrating. At worst, inexperienced credit correction can worsen the situation by resulting in the deletion of meaningless or sometimes positive credit items.
A: NWBA Credit Group's techniques are not only designed to replace the stress that consumers will run into when they attempt the repair process on their own, but to also outperform other firms that may offer similar services. Listed below are the key ingredients that make up NWBA Credit Group's winning formula.
When you call NWBA Credit Group Credit Consultants, you will be promptly connected with an expert credit consultant whose sole objective is to understand your needs and to tailor make a plan to address your problems. No other company offers the accessibility that we offer to our customers.
When your financial life has been ambushed by unexpected credit problems, you need to get results fast. NWBA Credit Group delivers the fastest results because we begin work immediately and we'll initiate the dispute process within 24 hours of sign-up.
Other "credit repair factories" who service thousands of clients every day can never hope to achieve the level of efficiency we do simply because they deal in such tremendous volumes of clients.
A: There are literally thousands of factors that affect a credit score. Derogatory information like late payments, collections, liens, bankruptcies, charge-offs, repossessions and foreclosures affect 35% of your report. Most firms, including NWBA Credit Group, will aggressively work to remove items like these from your credit report.
However, NWBA Credit Group is one of the few companies that seeks to improve the other 65% of your score as well. Although bigger negative items tend to steal most of the spotlight in credit report repair, it is very possible for a combination of "smaller" issues to create a sizeable impact on your score as well. Issues such as account mix, revolving balances, length of credit history, use of credit, and number of credit inquiries also affect your score and need to be addressed.
Other "credit repair factories" who service thousands of clients every day can never hope to achieve the level of efficiency we do simply because they deal in such tremendous volumes of clients.
A: At NWBA Credit Group, we understand that a strong credit report is a means to some financial end. Our consultants will endeavor to find out the specific details of your financial goals to specifically tailor a plan aimed at reaching your goals as quickly as possible.
You don't need perfect credit to qualify for most financial programs, but ultimately, just about everyone would like to have perfect credit. Long term, this is a possibility for everyone -- however, most of us need results in the short term. With that in mind, we will prioritize your credit restoration campaign to specifically get to your goals as quickly as possible.
Other "credit repair factories" who service thousands of clients every day can never hope to achieve the level of efficiency we do simply because they deal in such tremendous volumes of clients.
The old adage "the squeaky wheel gets the grease" has never been as true as with credit repair. With this in mind, our campaign takes the most aggressive stance when dealing with the credit bureaus on your behalf.
