I believe I started with NCF about 8 months ago. I had applied for a new home loan on a hope and a prayer that I would qualify and with no surprise I was denied.
The part that got me wasn’t the fact that I was denied but that my scores were so low. I had been basing my credit score off of sites like Credit Karma and Creditwise and had no idea that it was a completely different score than what the mortgage companies were actually using. When the mortgage rep told me the outcome of the loan app and my scores, he assured me that with the shape my credit was in, I would not be able to raise my score 100 points in 6 months. He then referred me to Dave Fulk at NCF.
Dave called me and told me that he could help me sink the loan but it might take a little time. My first question was, “How much?” Lol. I explained to him that I had been paying $50 a month to this online repair company for the last 5 months but had’nt seen a change in my credit score so what makes NCF so different? Well for starters, he said no one is going to efficiently fix your credit for that kind of money. He started explaining how much work needed to be done and how much time and attention to detail it would take to make sure it was done correctly. He spoke very highly of his staff and said he would assign me a rep that I could speak to directly whenever I had questions or needed credit advice.
I talk to Monique Martin a few times a month whether it be sending her my updated credit reports or just to check on the status of a dispute. I get emails regularly notifying me of every dispute that has been sent or every report that has been received. Something I never received from that other online credit company.
Today, I’m happy to say my mortgage credit score has increased 123 points with Equifax, 111 points with Transunion, and 112 points with Experian. I’m still on board and to this day I still see items being removed from my credit report. Not settled, nor closed, REMOVED!
If you honestly compared how much you would spend trying to settle accounts that still look derogatory on your credit to a monthly payment to a company like NCF that’s going to get the items removed completely, what do you think would be the better option? That’s right NCF! P.S. Sorry it’s long just wanted to be thorough lol
Donald – Saint Petersburg,FL