Frequently Asked
Is Credit Training legal?
Yes. Credit education, credit-report review, document preparation, and consulting services are legal when provided in compliance with applicable federal and state laws.
Consumers also have the right to dispute information they believe is inaccurate, incomplete, outdated, duplicated, unverifiable, or not associated with them. These disputes may be submitted directly to the consumer reporting agencies and, when appropriate, to the company that furnished the information.
Next Chance Credit Consulting provides education, organization, and guidance. We do not provide legal advice, and we do not guarantee that any item will be removed from a consumer’s credit report.
Consumers also have the right to dispute information they believe is inaccurate, incomplete, outdated, duplicated, unverifiable, or not associated with them. These disputes may be submitted directly to the consumer reporting agencies and, when appropriate, to the company that furnished the information.
Next Chance Credit Consulting provides education, organization, and guidance. We do not provide legal advice, and we do not guarantee that any item will be removed from a consumer’s credit report.
Is Credit Education Worth My Time?
Credit education may help consumers better understand what is reporting, what factors may be affecting their credit profile, and what steps may support future financial goals.
The value of credit education depends on the consumer’s individual situation, goals, documentation, account history, payment activity, balances, and the information appearing on their credit reports.
Consumers can review their own credit reports and submit disputes at no cost. Some consumers choose to work with NCCC because they want help understanding their reports, organizing next steps, and developing a personalized action plan.
The value of credit education depends on the consumer’s individual situation, goals, documentation, account history, payment activity, balances, and the information appearing on their credit reports.
Consumers can review their own credit reports and submit disputes at no cost. Some consumers choose to work with NCCC because they want help understanding their reports, organizing next steps, and developing a personalized action plan.
What can I expect when I enroll?
Depending on the package selected, NCCC may help you:
• Review credit reports you provide or authorize us to access
• Understand payment history, balances, utilization, inquiries, collections, public-record information, and other reported accounts
• Identify information you believe may be inaccurate, incomplete, outdated, duplicated, unverifiable, unfamiliar, or associated with another person
• Understand available dispute options and next steps
• Receive credit education, DIY guidance, document preparation, mortgage-readiness guidance, or a written action plan based on the selected service
• Communicate through telephone, email, video conference, client portal, or other agreed methods during normal business hours
Results vary by consumer. Accurate, current, and verifiable negative information generally cannot be removed merely because it is unfavorable.
• Review credit reports you provide or authorize us to access
• Understand payment history, balances, utilization, inquiries, collections, public-record information, and other reported accounts
• Identify information you believe may be inaccurate, incomplete, outdated, duplicated, unverifiable, unfamiliar, or associated with another person
• Understand available dispute options and next steps
• Receive credit education, DIY guidance, document preparation, mortgage-readiness guidance, or a written action plan based on the selected service
• Communicate through telephone, email, video conference, client portal, or other agreed methods during normal business hours
Results vary by consumer. Accurate, current, and verifiable negative information generally cannot be removed merely because it is unfavorable.
Do You Guarantee Results?
No. Next Chance Credit Consulting does not guarantee credit-score increases, account deletions, loan approvals, interest rates, or specific outcomes.
We are committed to providing the services and deliverables described in the written service agreement. Before paid services begin, clients receive required disclosures and cancellation information. Fees, services, deliverables, and payment terms are explained in the written agreement.
The complimentary consultation is an introductory conversation and does not include a complete three-bureau credit analysis, personalized written action plan, dispute services, or guaranteed results.
We are committed to providing the services and deliverables described in the written service agreement. Before paid services begin, clients receive required disclosures and cancellation information. Fees, services, deliverables, and payment terms are explained in the written agreement.
The complimentary consultation is an introductory conversation and does not include a complete three-bureau credit analysis, personalized written action plan, dispute services, or guaranteed results.
How Long Will It Take to Improve My Credit?
Every consumer’s credit situation is different. The time it takes to see changes depends on the information currently reporting, account activity, creditor and bureau responses, payment history, balances, utilization, documentation, and the scoring model being used.
Some changes may appear after updated information is reported to the consumer reporting agencies, while other changes may take longer. Next Chance Credit Consulting does not guarantee a specific score increase, timeline, deletion, approval, interest rate, or financial outcome.
Some changes may appear after updated information is reported to the consumer reporting agencies, while other changes may take longer. Next Chance Credit Consulting does not guarantee a specific score increase, timeline, deletion, approval, interest rate, or financial outcome.
Why Are Results Different for Each Consumer?
Credit reports are based on each consumer’s individual history. Two people may have similar scores but very different credit profiles.
Results may vary based on:
• Payment history
• Credit-card balances and utilization
• Age of accounts
• New credit applications
• Collections, charge-offs, or public-record information
• Creditor and bureau reporting practices
• Whether the information being disputed is inaccurate, incomplete, outdated, unverifiable, duplicated, or unfamiliar
• Whether the consumer provides supporting documents
Accurate, current, and verifiable negative information generally cannot be removed merely because it is unfavorable.
Results may vary based on:
• Payment history
• Credit-card balances and utilization
• Age of accounts
• New credit applications
• Collections, charge-offs, or public-record information
• Creditor and bureau reporting practices
• Whether the information being disputed is inaccurate, incomplete, outdated, unverifiable, duplicated, or unfamiliar
• Whether the consumer provides supporting documents
Accurate, current, and verifiable negative information generally cannot be removed merely because it is unfavorable.
Can Removed Items Come Back?
In some situations, information that was deleted may later be reinserted if it is verified or reported again in compliance with applicable law.
If information is reinserted after being deleted because of a dispute investigation, the consumer reporting agency is generally required to notify the consumer within the timeframe required by law.
Consumers should continue reviewing their credit reports and promptly address information they believe is inaccurate, incomplete, outdated, duplicated, unverifiable, or not associated with them.
If information is reinserted after being deleted because of a dispute investigation, the consumer reporting agency is generally required to notify the consumer within the timeframe required by law.
Consumers should continue reviewing their credit reports and promptly address information they believe is inaccurate, incomplete, outdated, duplicated, unverifiable, or not associated with them.
What Items Can NCCC Help Me Review?
Depending on the service selected, Next Chance Credit Consulting may help consumers review information such as:
• Late payments
• Collections
• Charge-offs
• Repossessions
• Foreclosures
• Bankruptcies
• Medical collections
• Student-loan reporting
• Credit-card balances and utilization
• Inquiries
• Old addresses and personal information
• Accounts that appear duplicated, outdated, unfamiliar, or incomplete
NCCC helps consumers understand what is reporting, identify concerns, organize documentation, and determine available next steps. We do not guarantee that any specific item will be removed or that a consumer’s score will increase.
• Late payments
• Collections
• Charge-offs
• Repossessions
• Foreclosures
• Bankruptcies
• Medical collections
• Student-loan reporting
• Credit-card balances and utilization
• Inquiries
• Old addresses and personal information
• Accounts that appear duplicated, outdated, unfamiliar, or incomplete
NCCC helps consumers understand what is reporting, identify concerns, organize documentation, and determine available next steps. We do not guarantee that any specific item will be removed or that a consumer’s score will increase.
