We can improve your score by helping you legally remove negative items on your credit report like:

The rewards of raising your credit score affect your wallet directly: You'll qualify for more loans and be offered better interest rates. If you are shopping for a loan it's a good idea to start working on your credit report six months to a year prior.

The better the score, the better the interest rate.

(Figures vary slightly from different lenders. There are possibly other factors that influence a lender's decision on the interest rate).

Even a "two-point" improvement in your credit score can save you thousands of dollars.

Most lenders have inflexible rules, which almost always place a major emphasis on your credit score. Each lender sets their best rate at certain level of credit score. Could be 700, 720 750, or higher.

If their best rates are offered to borrowers with a score of 700 and yours is a 698, those two points could cost you thousands of dollars.

The consumer Web site of the Fair Isaac Corp. that created the FICO score states the interest rate difference between those two scores is one-half percentage point.

On a $165,000 30-year fixed rate mortgage, that half point could cost you more than $19,000 in interest charges, assuming 6 percent is the lowest rate available. Fall below a 675 and the rate goes up another 1.2 percent. Over 30 years you can save hundreds of thousands with a higher FICO® score

 Here is how our process works:

• Fill out the enrollment application and submit payment.

• Your one-time fee covers five dispute cycles. Each cycle is designed to further improve your credit report and/or increase your FICO® score.

• As required by the Credit Bureaus to prove identity, send us a copy of your social security card and one of your latest utility bills or billing statements with your current address. (This document must match the address on the application.)

• You do not have to provide your own credit report, they will be provided for you.

• Our team of professionals will conduct a thorough review of all negative items on your credit reports.

• After receiving the copy of your social security card and address verification, we will start the first dispute cycle by sending out individualized dispute letters to your home for review. These letters are reviewed by our attorneys and force the Credit Bureaus to correct the inaccuracies on your credit report according to the provisions of the Fair Credit Reporting Act (FCRA). This law, fortunately, was written in your favor. All erroneous, inccurate and unverifiable information must be deleted. It is possible that even accurate items that cannot be verified by the Credit Bureaus can be deleted.

 Why choose NFC/American Credit:

» Over 10 years experience                                                                » Personalized disputes

» Unsurpassed technology, accuracy and service                                 » FREE credit report acquisition service

» Affordable one-time fee                                                                    » No monthly fees that burden your budget

» No permanent memberships that string you along                              » Same day service

» 24/7 online access to your Case Status                                            » Interactive web site

» Unlimited, live, personalized Customer Service                                  » On-time monthly correspondence and notifications

» Thousands of satisfied customers                                                    » Near ZERO complaints

» Improved credit report or 100% money back 
 

We believe in our services so much that we will improve your credit report and/or raise your FICO® score or we will refund 100% of your money.   Open Account