Frequently Asked Questions...
If you have a question, we are here for you. Here is a selection of our most frequently asked questions. If you can't find the answer you are looking for just go to our Contact page and send your question over or give us a call. We are easy to talk to! Just click on the question to scroll down to the answer!
How do I get started?
What is included?
What is the cost?
Are there additional fees?
Do you offer debt negotiation or settlement services?
How do I get my credit report?
Do you offer a guarantee?
Can you help with outstanding debt?
How do I send my credit report to you?
When I get my credit report, does it hurt my scores?
Can you get my credit report for me?
Why do you ask for identification?
When should I start to see results?
How many items do you dispute at a time?
How long does the program last?
Do we get copies of the letters you send to the credit bureaus?
Should I sign up my spouse at the same time?
Can you help us build new credit?
Do you share our personal information with anyone?
Do we have to be married to get the couples discount?
Q: How do I get started?
A: You can sign up online right now. It's easy and takes a few minutes. As soon as you sign up you will receive a welcome email with simple instructions on getting your tri-merge (three bureau) credit report and getting it to us. We will also ask for some personal identification to facilitate the prompt processing of our disputes with the credit bureaus. If you sign up now we should have your first round of dispute letters out within a week.
Q: What is included?
A: The NCM Method combines the ease of professionally managed credit bureau disputes with the FICO score recommendations you need to succeed, and includes 1) a detailed review of your credit report to note the issues that are harming your credit and to identify opportunities to optimize your credit scores, and 2) ongoing dispute letters sent to the credit bureaus.
Q: What is the cost?
A: Our cost structure is designed to be as accommodating as possible. There is a one-time review/setup fee of $99. Your first monthly fee of $99 is not charged until a month later. We charge only as work is completed, never in advance. You pay as you go, and can cancel anytime with no further obligation. And if you are signing up with your spouse, it gets even better; we will discount their monthly fee by 50%!
Q: Are there additional fees?
A: We do not charge any fees other than our review/setup fee and subsequent monthly fees. But we require a recent tri-merge (three bureau) credit report to get started, so you should allow for that expense.
Q: Do you offer debt negotiation or settlement services?
A: We do not provide negotiation or settlement services. If you plan to make a settlement offer on your own we may be able to provide guidance, but we do not communicate directly with creditors or collectors.
Q: How do I get my credit report?
A: We require a tri-merge (three bureau) credit report to get started. Upon signup we will provide a list of credit monitoring services where you can obtain your report in minutes. Prices range from $1/Trial Period to $29.95/month. After obtaining your report you may wish to continue membership for the benefits of credit monitoring and access to a new tri-merge report each month, but it is not required. National Credit Masters is not affiliated with or does not receive compensation from any companies it recommends.
Q: Do you offer a guarantee?
A: Yes, we offer a 90 day guarantee. If you are not satisfied we will refund your money. No one in our business can predict a specific outcome, but we can assure you that we will do everything possible to maximize great results. Our Guarantee means that you can get started today with complete confidence.
Q: Can you help with outstanding debt?
A: We examine each account to determine the correctness of the reporting, but our program does not provide a remedy for legitimate debts. If you have a significant debt issue you may want to resolve it prior to considering our service.
Q: How do I send my credit report to you?
A: You will get simple instructions when you sign up ? but generally we prefer that you provide the website address where you have obtained your report, as well as your login information so we can access it directly online.
Q: When I get my credit report, does it hurt my scores?
A: When you request your own report it has no impact on your credit scores. There are two types of inquiries, "hard" and "soft". A hard inquiry will affect your score - and occurs when you apply for new credit. A soft inquiry will not affect your score - and occurs in three instances: 1) when you request your own credit report, 2) when potential lenders check your credit prior to offering you pre-approved credit, and 3) when a current lender conducts a periodic review of an existing account.
Q: Can you get my credit report for me?
A: Credit repair businesses cannot order credit reports for their customers. The Fair Credit Reporting Act (Section 604) prohibits the credit bureaus from furnishing credit reports to third parties for any reasons outside of the FCRA definition of "permissible purposes" which include determination of credit worthiness, underwriting of insurance, and employment screening.
Q: Why do you ask for identification?
A: The credit bureaus request personal identification prior to processing a dispute. By providing it up front we minimize delays - and significantly improve the efficiency of our process. Our only goal is to get the job done quickly, and to deliver the best service for our customers.
Q: When should I start to see results?
A: If you sign up today we should have your first round of dispute letters out within a week. And since the credit bureaus have 30 days to process disputes, you should see initial results in about a month. On an ongoing basis, you should see results each month you are in our program.
Q: How many items do you dispute at a time?
A: Unless your situation dictates otherwise, we dispute 15 items (5 items per bureau) every 35 days. Many companies dispute far fewer items at a much slower pace. Our method is designed to deliver optimal results in the shortest amount of time.
Q: How long does the program last?
A: Everyone's situation is different, but the average customer is with us for 6 months to 1 year. The duration of the program depends on the number of items on your report that need to be disputed, as well as the responsiveness of the credit bureaus. Once you sign up we will review your credit report and give you a better assessment of your time frame.
Q: Do we get copies of the letters you send to the credit bureaus?
A: No. Dispute letters sent to the credit bureaus on behalf of our customers are the proprietary information of National Credit Masters. We hold exclusive rights to these letters and do not provide copies to customers. We will, however, provide a status update upon request, which will include items disputed and dates sent. In addition, you will receive responses to our disputes directly from the credit bureaus, which will list the items disputed and the results.
Q: Should I sign up my spouse at the same time?
A: We suggest that you both sign up. We offer a 50% couples discount to encourage you to sign up at the same time. As a couple you may share a significant number of accounts, or you may share none. Either way, when you sign up, we will set up separate files and you will each get the benefit of individualized attention.
Q: Can you help us build new credit?
A: If it looks like you will be left with "insufficient credit" when our job is done we will be recommending that you open secured credit cards. This is one of the best ways to rebuild credit and improve your credit scores. A secured credit card requires a small savings deposit which usually secures the entire credit line on a MasterCard or Visa.
Q: Do you share our personal information with anyone?
Q: Do we have to be married to get the couples discount?
A: You do not have to be married to get the discount. If you live together and pay together we invite you to sign up as a couple.