We were such a mess when we were referred to Krista Phillips at NCF, it looked like there was absolutely no way out. We had a bankruptcy , had lost our home and business and some friends of our son’s had taken out a few credit cards in our name and we were drowning in debt with a credit score in the 400’s. Oh and did I mention we are in our 70’s.. We decided that we could run from the dunning calls for the rest of our lives or buckle down and pay it off… we decided on the later. Here we are 3 years after finishing our work with Krista. We have been in our own home for 2 1/2 years, have a new car,. .We went to the bank yesterday with a credit score of 822 to look into making the most of our meager savings.. . .. We have no credit card debt, I pay all of my bills online, and since I get a notice that a bill has come in, and I pay it right then, We have continued to follow the things that Krista taught us,, and are eager to pass her information on to anyone we can.. I have heard commercials stating that “this changed our lives” BUT this actually will change your life if you stick to it… Our mortgage rate is 4%.. our new car which we bought last year is almost paid off.. I make at least 2 payments a month, and even our car and home insurance is lower because we are responsible paying our bills. Never did I think we could have made a comeback like this…We are forever grateful to Krista for her kind, professional and vast knowledge of credit repair. So from 2 old fogies who came from 0 a few years ago to going back to work in their 70’s and bit the bullet we followed the path that we had learned and today… we sleep better!.. You can do it too,! Krista has my permission to give my phone number to anyone who doubts their ability to succeed… I will be honored to talk to you..
Thanks Krista, you are a blessing to us every day…

Linda – Sarasota,FL