Credit Restoration

Many consumers are under the impression there is nothing that can be done to change the information on their credit reports. Thankfully, this is not true. Federal law gives you the right to have misinformation on your credit reports corrected. You are ultimately responsible for assuring that your credit reports accurately represent your behavior as a consumer.

The Fair Credit Reporting Act gives you the right to contact credit bureaus directly and dispute items on your credit reports. (You can view the Fair Credit reporting Act on this site under Education.) You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable (questionable items). If the bureaus cannot verify that the information on their reports is indeed correct, then those items must be deleted.

Disputing items on your credit report should be easy, but many consumers give up before they ever see results. They don't take time to learn their relevant consumer protection rights or formulate a statute-based plan of attack, and their quest for credit justice ends in frustration. That’s where Nation Wide Consumer Debt Relief Inc. comes in handy.

Defending your credit rights since 2006, Nation Wide Consumer Debt Relief Inc. has the knowledge and experience needed to help you effectively address your problematic credit history. From bankruptcies to charge-offs to tax liens, NWCDR has challenged virtually every credit problem under the sun-and removed over 70,000 items last year alone.

Nation Wide Consumer Debt Relief Inc. has become the trusted leader in credit report repair because we believe in our work and we're committed to our clients' success. That, coupled with our knowledge and years of experience in the debt relief and restoration field, has led us to achieve results that have turned many clients' lives around.

Taking Action:

Ever since the Fair Credit Reporting Act made credit repair possible, creditors have been working to make it complicated and difficult. Our years of experience fighting for consumers have helped us develop a vast arsenal of tools and strategies to make things easier for you — the way it should be.

Our Process

We have designed a 7-Step program to get you back to Credit Health. This program includes one-on-one mentoring by one of our FCRA and FICO certified Credit Wellness Advisors. This mentoring includes a personalized & inclusive credit analysis (Credit Health Report,) as well as personal guidance and education for obtaining true and sustainable credit health for life.

Our Path to Credit Health

Step 1: Identify your current credit condition. Are you looking to buy a car, a home, get a job, insurance, or get small business loan?

Step 2: Obtain a copy of your credit report

Step 3: We'll design a personalized & inclusive Credit Health Report analysis just for you

• We'll assign a FCRA and FICO certified Credit Wellness Advisor
• Your advisor will identify your past and current habits that affect your credit health
• We'll help you set individualized goals

Step 4: You will need to make a commitment to take action steps and changes in your current habits

• You'll become our "Partner"
• You'll create new behaviors
• We'll help you rebuild new positive credit ( Secured & Unsecured credit cards)
• We'll help you understand your limits and boundaries (formula of credit)

Step 5: You'll be able to set goals, review and track your progress

• You'll also receive credit monitoring service to review the progress

Step 6: You'll learn how to strengthen your credit

• We'll help you restore your past (no miracles; this is a process)
• Synthetic ID Protection (removal of inaccuracies of your personal information)
• We'll work with you to dispute inaccuracies with credit bureaus and creditors
• We'll assist you in obtaining new secured and unsecured lines of credit

Step 7: Ongoing Education & Giving Back

• Weekly educational highlights
• Planning for my future
• Protection for my future
• Inspiring others to make a change and sharing your experience with Get Credit Health

Identity Theft Restoration by the Numbers

Fact - Identity theft costs Americans $50 billion dollars a year
Fact - In the last few years over 150 million people have been affected.
Fact - Identity theft is the fastest growing white-collar crime in America
Fact - An Identity is stolen every 4 seconds in the U.S.
Fact - On average victims pay $8,000 to restore stolen identity
Fact - They also invest about 600 hours of their time to recover from this crime
Fact - Things are so bad Congress has passed special laws to deal with the problem