“Scores Well Over 800!”

“Just want to say thanks to the Tampa, FL Team that helped me with my problem. Joe Gendelman, and Monique Martin were incredible during the short time it took to solve my problem. I was particularly impressed with Joe. Before I ever signed up with you, he spent considerable time answering all of my questions, getting a Lawyer involved, and assessing the mountain of information I gave to him. I had a collection on my credit reports that should never had been there. I provided the evidence to Joe and he took a lot of his time to validate my claims, and then I signed on. I had absolutely no other blemishes on my credit, other than that invalid collection. After i signed up I was introduced to Monique Martin as my case manager. Monique was extremely helpful in answering all of my questions during the waiting for responses from the target parties, and giving me good advice along the way. As it turns out when they challenged the Collection Agency, the collection was removed from the three credit bureaus, and all three credit agencies showed no collection on my accounts. Now I don’t know what they wrote to the collection agency, but it got fast results. I never had any success dealing with them, but NCF got it done.
Consequently, my credit scores jumped from 650 to well over 800 at all three credit bureaus. Because of they, (NCF)’s, ability to kick the right ass, my singular problem was cleared up in less than 2 months. There are a lot of “fly by night” Credit Repair companies out there, but NCF is definitely not one of them. They get results and at a minimum cost to me, the customer. I will highly recommend them to anyone I run into that may be having a problem that needs results. These guys are good.”

Tim Kriebel – Oldsmar, FL

3 Things Dave Ramsey Taught You That You Need To Reconsider (#1 is a doozy!)

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Here Are 12 Real Christmas Tree Tips

• Get a real tree, not an artificial one. Real trees are better for the environment, better for the economy, and smell wonderful.
• Cut your own tree from a nearby national forest or state land if you can. Permits are usually inexpensive, and it can be a fun family tradition.
• Get two permits or buy two trees, and donate your extra tree to a local charity, youth home, or non-profit. Make sure to call ahead to find out if they can use it, and what height tree they’d need.
• When buying a real tree from a vendor, make sure they are reputable local dealers. They should have a business license and be able to tell you exactly where their trees came from. Fly-by-night operators are less likely to comply with regulations or be properly inspected.
• Buy resilient, healthy trees. Run your hand along the branches—they should be flexible and springy. If many needles are falling off that suggests a tree that was cut too soon or is unhealthy. A dry tree is less beautiful and can create a fire hazard in your home.
• Live trees will travel best if gently wrapped in a reusable tarp or placed in a large burlap bag. Make sure to tie the tree to your vehicle firmly to prevent broken branches.
• Christmas trees with root balls rarely survive being transplanted in the dead of winter. Stick with a cut, local, tree for your holiday display—and use the money you save to buy a healthier sapling in springtime!
• Make homemade and inexpensive garlands, wreaths and table arrangements from Christmas tree cuttings and other local materials. Re-use!
• When creating homemade decorations, take care not to use invasive species like Asian bittersweet or multi-flora rose.
• A simple bowl of pine cones can make a free, fragrant and gorgeous centerpiece. Collect your cones locally and intersperse a few dry cinnamon sticks to make a fresh, aromatic display.
• Dispose of small holiday greenery in the trash, or at a municipal compost facility. Don’t throw them out in a brush pile or your home compost—they could contain weed seeds or foreign bugs that can infest the trees around your house.
• Recycle your Christmas tree whenever possible. Many areas now offer a post-Christmas curbside pickup, and the trees are typically chipped or ground to use in mulch. Look for information specific to your area in your local newspaper, or do an internet search for “Christmas Tree Recycling (your town).”