| National Repair My Credit 1-877-376-8169 |
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- 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 that you are looking for just go to our Contact Us page and
send your question over or give us a call. We are easy to talk to!
- How does the program work?
- What is the cost?
- Is this an automated dispute service?
- Should I sign up my spouse at the same time?
- How do you dispute joint accounts?
- Can you help us build new credit?
- What should I do while NRMC is repairing my credit?
- Do you share our personal information with anyone?
- How do I send you my credit reports?
- When I request my report, does it hurt my credit scores?
- Can you order our credit reports for us directly?
- What is "questionable credit"?
- How does the service work?
Our system is designed to be fantastically easy. Just sign up, send us your reports,
and let us do the work! We will conduct a detailed examination of your credit in light of
the laws that govern the various participants in the reporting process. We will identify
everything that is questionable, obsolete, and out of compliance. We then send letters
to the relevant parties for the purpose of clearing derogatory information from your
reports. Our approach is truly effective. In addition, we provide valuable counseling
services to insure that you are armed with all of the information needed to maximize
and maintain your valuable credit scores. Back to Questions
How much does the service cost?
We offer one of the best cost structures in the business... And by far the best value for
your dollar. Your $99 setup fee is charged at the outset. And your $49 monthly fee
begins 30 days later. Everything you need is covered. You never have to worry about
confusing options or expensive upgrades. There are never any hidden costs or
surprises! And if you are signing up with your spouse, it gets even better; they can join
in for half price! Back to Questions
Is this an automated dispute service?
No! Our customers get personalized service and the full benefit of our experience and
knowledge. Automated dispute services enter the list of derogatory information from
your credit report into their software, and then direct you to a computer screen to select
which items you would like to dispute. This computerized approach can leave the
majority of potential improvement untapped. Unlike these automated services, our
comprehensive, hands-on method insures that you get the best possible result. Back
to Questions
Should I sign up my spouse at the same time?
We suggest that you both sign up! We offer a 50% spousal 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
individual files and you will both get the full benefit of individualized attention. To qualify
as a couple you must share the same mailing address. Back to Questions
How do you dispute joint accounts?
Joint accounts are treated the same as individual accounts. If you take advantage of
our 50% spousal discount we will set up individual files for both of you and every
dispute will be pursued methodically. It is possible that we will be disputing the same
information for you and your spouse at the same time. This is appropriate. You each
have your own credit report and we will give you equal individual attention. Back to
Questions
Can you help us build new credit?
If it looks like you will be left with "insufficient credit" when our job is done we will offer
to guide you though the process of opening one or two new secured credit cards. This
may be an important step in the process of building great usable credit. Creditors look
for open accounts that are in good standing. A secured credit card requires a small
savings deposit which usually secures the entire credit line on a MasterCard or Visa.
These credit cards will be reported on your credit report. We will suggest that you use
the new card for a small purchase and make the minimum payment each month. We
do not have affiliate relationships with any of the credit card companies that we
recommend. We make our recommendations solely for your benefit. Back to Questions
What should I do while NRMC is repairing my credit?
This is a very good question! You are signing up with us because you want good credit
and all of the benefits that come with good credit. We work very hard to make sure that
we get the best results possible. But there are things that you need to do too! Here
some important guidelines: 1) Pay your bills on time. Late payments have a dramatic
impact on your scores. 2) Don't max out your credit cards. Approaching the credit limit
on your credit cards can cost you big time! You can lose over 100 points by running
your cards up to the max. 3) Only open new accounts when you have to. Don't fall into
the trap of taking every credit card offer that arrives in your mailbox. Newly opened credit
lines reduce your score. By the way - it is also VERY important that you have credit!
Once your credit repair program is underway, if it looks like you will end up with
"insufficient" credit, we will guide you through the process of opening one or two
secured credit cards. This is one of the best and most effective ways of building credit.
Back to Questions
Do you share our personal information with anyone?
Never! Please see our Privacy Policy for all of the details, but in short: We do not, under
any circumstances share, sell, or in anyway provide your information to anyone. To
make this super clear; your name will not be sold or given to anyone for any purpose.
No one will see your information. We will not discuss your case with anyone under any
circumstances. Back to Questions
How do I send you my credit reports?
After you sign up we will provide you with specific (and easy!) step-by-step instructions
for obtaining your credit reports and getting them to us. If you have not requested your
free credit reports from annualcreditreport.com in the last 12 months you may do so. If
you have already received your free credit reports and they are no more than 60 days
old you can provide them to us via mail (or email). If you have already received your free
reports and they are older than 60 days, you will have to purchase new reports. Please
also note that once our process is underway you will be receiving updated credit
reports periodically from each bureau reflecting the results of our efforts. There is no
charge for these reports. We will request that you send us these reports and any other
material communication that you receive from the bureaus to us so that we can monitor
the results. Back to Questions
When I request my report, does it hurt my credit scores?
No. When you request your own report it has no impact on your credit scores. Generally
speaking, when someone else runs your credit it is because you have applied for new
financing. Since an inquiry usually indicates that you are about to incur new debt it is
somewhat reasonable that your score is adversely impacted. It is worth noting however
that the impact of an inquiry is small and vanishes in a number of months. There are
several instances when your credit may be run without affecting your score. These
exceptions include direct inquiries by you as well as inquiries that are made without
your knowledge by potential creditors (think of those unsolicited credit card offers that
arrive in your mailbox). The reason that these inquiries don't count against your score
is simply because they don't indicate any intention on your part to incur new debt. Back
to Questions
Can you order our credit reports for us directly?
No we can't run your credit for you. Credit repair companies are not allowed to order
credit reports for their clients. Credit reports may only be run for the purpose of
determining credit worthiness. We do believe that the law should be amended to allow
credit repair companies to run your credit without impacting your score. The service that
we provide is essential for millions of people and it is our position that legislation
should be enacted to make the process of hiring us as easy as possible. However,
until this occurs you will have to obtain your own credit reports. When you sign up we
will provide you with super simple step-by-step instructions to make getting your
reports easy and hassle-free. Back to Questions
What is "questionable credit"?
As we have noted, 79% of all credit reports contain errors. Please don't assume that
the derogatory information on your credit report is correct. If you honestly do not
recognize an item or information on your credit report we should demand that the credit
bureau research it. This is not a frivolous dispute! We are here to remove errors. We
will ask you to be honest and to think carefully about every derogatory item on your
credit. If you think that the report is wrong we expect you to tell us. Once we submit a
dispute the credit bureau has 30 days to verify that the information is correct. If they
cannot verify it in that period of time they are required to delete the item. The burden of
proof is on them. This is as it should be, and it maximizes the probability of a valid and
accurate result.
| Sign up your spouse at half price today! |
We offer one of the best cost structures in the business... And by far the best value for your dollar. You never have to worry about options or upgrades. We will do everything that you need, all for a single low monthly fee. And if you are signing up with your spouse it gets even better! |
| Feeling a little shaken up? Not sure how it works? Find out right here. |