This company is taking advantage of its customers ...

This company is taking advantage of its customers the use positive affirmation to have you continue paying them monthly...If you want to cancel the place you on hold (while you are waiting they pretend to type to put in a service request to cancel) they then come back on the phone very excited and try to convince you how good your credit is looking because of them. The honest truth is you can do everything they are doing on your own without having to pay these guys to do it for you.

Your FICO score is based off of 5 sections 35% is just paying your bills on time 30% is your amounts owed 15% length of credit history 10% new credit inquires 10% credit mix 1:1:1 type ratio Together these 5 things create your score FICO is NOT the credit bureaus but an algorithm to find your score to pay back your debts.

NCC loves and I mean loves to say all information reported must be 100% verifiable and complete followed by creditors pay the bureaus to report to your credit and the crazy thing is no one is checking the information.

The first thing you need to do is pay your bills on time every month! Try and keep open revolving (credit cards) to 10%. Lets say you have a $10,000 credit limit do not go over $100 to maximize this section of the pie. Start by paying off your smaller balances first then move to the larger ones.

Don t have a credit card go open a secure card with open sky they report to all 3 credit bureaus within 30-60 days.

Life lock has a credit form to use to dispute the items on your credit. Listen the stuff that s on your credit can be yours and you can still dispute it!!! Maybe the company reporting is missing dates or documents. The rounds of investigations NCC does is not to prove the debt is yours it s to make sure the companies reporting have ALL 100% verifiable information.

If you have items in college toons that s okay it happens to the best of us! Don t be discouraged sometimes paying on your collection accounts can hurt your credit. By making a payment it resets the 7 years that company has to report it!

If you do have closed accounts or/and collect toons accounts try and call the provider to settle for 20% if you decide to pay it make sure you have the company agree and to send you a letter of deletion.

Don t believe me call NCC and ask them the specifics I bet you will not get an answer