National Consulting Group Inc.

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We at National Consulting Group Inc. have been helping people raise their credit scores for many years. We employ the use of Authorized User Tradelines to accomplish our goal. Call us at 561-510-5765 and check out our website at gowithncg.com

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Wishing everyone a peaceful Labor Day!

You probably have heard of a FICO score and maybe you even know your number. What you may not realize, however, is that it’s just one credit score you’ve been assigned. While “FICO” and “credit score” sound like interchangeable terms, there is a difference. It can be a good idea to know about all of your scores before applying for credit, especially if your credit history isn’t perfect.

Call us today to discuss your FICO & VantageScore numbers, and we can discuss how you can get your credit score boosted within just a few months!

FICO score vs. credit score: What's the difference? While “FICO” and “credit score” sound like interchangeable terms, there is a difference. Protect your credit by knowing all of your scores.

While discussing finances with your partner is important at any step in a relationship, it’s just as important if, later down the road, you ever choose to part ways. There are many emotional decisions to navigate when preparing for a divorce, but one of the first things you’ll want to pay close attention to is your credit.

If you need help boosting your credit score, contact us today regarding our credit enhancement program.

Divorce can cause your credit score to plummet—experts say take these 4 credit steps beforehand CNBC Select speaks to two experts about the four steps they recommend you take to protect your credit before getting a divorce.

Identity Theft Recovery Steps Guide

The federal government has a one-stop website for identity theft victims. This site provides streamlined checklists and sample letters to guide you through the recovery process. Visit ftc.gov/idtheft for prevention tips and free resources.

Call us today regarding our credit enhancement program.

Identity Theft Identity theft tops the list of complaints to the FTC by consumers nationwide.

What to do if you think you have been a victim of identity theft

If you think you've been a victim of fraud or identity theft, contact one of the nationwide credit reporting companies and place a fraud alert in your credit report.

Equifax
Online: Equifax Alerts
Mail: Equifax Consumer Fraud Division, PO Box 740256, Atlanta, GA 30374
Phone: (800) 685-1111

Experian
Online: Experian Fraud Center
Mail: Experian, P.O. Box 9554, Allen, TX 75013
Phone: (888) 397-3742

TransUnion
Online: TransUnion Fraud Alert
Mail: TransUnion Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19016
Phone: (888) 909-8872

A fraud alert requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others.

There are two main types of fraud alerts: initial fraud alerts and extended alerts.

Initial fraud alerts
You can place an initial fraud alert on your credit report if you believe you are (or are about to become), a victim of fraud or identity theft. Credit reporting companies will keep that alert on your file for one year. After one year the initial fraud alert will expire and be removed, you have the option to place another initial fraud alert at that time. An initial fraud alert requires that the creditor take reasonable steps to make sure the person making a new credit request in your name is actually you. If you provide a telephone number, the lender must call you or take reasonable steps to verify whether you are the person making the credit request.

When you place an initial fraud alert in your file, you're entitled to order one free copy of your credit report from each of the nationwide credit reporting companies. These free reports do not count as your free annual report from each credit reporting company.

Extended alerts
You can place an extended alert on your credit report after your identity has been stolen and you file an identity theft report.

When you place an extended fraud alert in your file, you're entitled to order two free copies of your credit report from each nationwide credit reporting company over a 12 month period.

An extended alert is good for seven years. An extended alert requires that the creditor contact you in person or through the telephone number or other contact method you designate to verify whether you are the person making the credit request.

Security freezes
Under a new federal law effective September 21, 2018, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax – no matter what state you live in. A security freeze also called a credit freeze, stops new creditors from accessing your credit file and others from opening accounts in your name, until you lift the freeze. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes.
Unlike fraud alerts, if you place a security freeze with one credit reporting company they will not notify the other credit reporting companies. You must contact each credit reporting company individually if you would like to place a security freeze with all three nationwide credit reporting companies.

Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn't prevent identity thieves from taking over existing accounts.

Special help for service members
Members of the military (such as members of the Marines, Army, Navy, Air Force, and Coast Guard) have an additional option available to them — active duty alerts, which give service members protection while they are on active duty. Active duty alerts last for 12 months.

When you place an active duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is actually you before opening an account, issuing an additional credit card on an existing account, or increasing the credit limit on your existing account. Your name also will be removed for two years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance.

Contact us today if you need assistance with your credit report.

IdentityTheft.gov Helps You Report and Recover from Identity Theft | Federal Trade Commission Is someone using your personal information to open new accounts, make purchases or get benefits? Report it at IdentityTheft.gov and get a free personal recov...

Happy 244th Birthday America! Wishing everyone a safe and healthy holiday!

Warning Signs of Identity Theft

Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance. An identity thief can file a tax refund in your name and get your refund. In some extreme cases, a thief might even give your name to the police during an arrest. Here are some signs that someone has stolen your information:

-You see withdrawals from your bank account that you can’t explain.
-You don’t get your bills or other mail.
-Merchants refuse your checks.
-Debt collectors call you about debts that aren’t yours.
-You find unfamiliar accounts or charges on your credit report.
-Medical providers bill you for services you didn’t use.
-Your health plan rejects your legitimate medical claim because the records show you’ve reached your benefits limit.
-A health plan won’t cover you because your medical records show a condition you don’t have.
-The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for.
-You get notice that your information was compromised by a data breach at a company where you do business or have an account.

Call us today to discuss steps to take if you think you have become a victim of identity theft.

Negative information on credit reports

A credit reporting company generally can report most negative information for seven years. Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can stay on your report for up to ten years. Even though the credit reporting companies usually won’t report this negative information after the seven-year limit, they still may keep your information on file.
There are certain instances where they will report it. These time limits on reporting negative information do not apply if the credit report will be used in connection with:

-Your application for a job that pays more than $75,000 a year
-Your application for more than $150,000 worth of credit or life insurance

Since bad information stays on your credit report a long time, our credit enhancement program may be what you need to boost your credit score. Contact us today to ask us if this is the right fit for you!

Q: What if you disagree with the credit bureau's investigation?

A: Credit bureau investigations are not always resolved in your favor. If that's the case, ask the credit bureau to include your statement of the dispute in your file and in future reports. If requested, the credit bureau will also provide your statement to anyone who received a copy of the old report in the recent past. Though there is usually a fee for this service, it's probably worth the cost.
If you tell the information provider that you dispute an item, a notice of your dispute must be included anytime the information provider reports the item to a credit bureau while that dispute is being investigated.
Finally, if the investigation does not produce the results you feel are correct, and inaccurate information in your credit report is causing you harm, you may consider hiring a lawyer to help resolve your dispute as a last resort.
The secret to success is to be vigilant and tenacious when it comes to reviewing, repairing, and correcting the record regarding your credit reports.

If you have more questions regarding an investigation decision, contact us to see if we can assist you further.

Q: How will accepted disputes affect your Credit Score?

A: Often your score will improve when errors on your credit report are corrected. In some situations, however, your score may not improve when credit information is corrected or updated. For example:

It is often thought that closing credit card accounts will improve your score. This is not true. Closing an account will not remove it from your credit report. It will still display the payment history from that account on your report.
Removing negative information from your credit report may not have the impact on your credit score that you expect. There could be additional negative information remaining that will prevent an immediate increase in your credit score.
Credit Scores only consider credit-related information on your credit report. If you change personal information (address, SSN, employer, date of birth, etc.), the credit information on your report will not be impacted and your credit score will probably not change. The FICO Score only considers credit account, collection, and public record information.

It typically takes the credit bureau 30-45 days to respond to your dispute.

Call us today to discuss if our credit enhancement program is a good fit for your situation.

How do I dispute an error on my credit report? — consumerfinance.gov Have you noticed an error on one of your credit reports, but don’t know what to do? The CFPB has clear, step-by-step instructions and sample letters to help ...

Submitting an Online Dispute

There are some cons to disputing online. We will give you two basic reasons why suggest not to file your dispute for credit reporting errors online. First, there is no paper trail, which could be essential to getting these items removed from your credit report. When you send a letter of dispute, it’s recommended that you send it certified with notice of receipt. This ensures you have proof of the date when you sent the dispute.

Why is the date important? Because credit reporting agencies are obligated by law to remove any information that cannot be verified within 30 days. If you don’t have proof of the date when you sent the dispute, you cannot use this law in your favor. With online disputes, there is no paper trail and you may not receive an email confirmation or any other notice of dispute request. While the credit bureaus may make every attempt to follow through on disputes, it’s easy for one to get lost in the system. Sometimes, creditors can refuse to verify the requested information, even though they are obligated to do so. If that happens, the data should come off your record.
The second reason not to file a dispute online is that the information isn’t handled in the same way. The Fair Credit Reporting Act was developed to protect the consumer from unfair credit reporting practices.
It was revised to include online disputes under Section 611a(8). In this section, it says that the agency may disregard other paragraphs if the information is deleted within three days of notice of a dispute.

The paragraphs to be disregarded include the following requirements:
-The credit bureau doesn’t have to forward the dispute and other information to the creditor.
-The credit bureau doesn’t have to send you with written results from the investigation of the dispute.
-The credit bureau doesn’t have to show the method of verification.

All of this information is important if you want to proceed with disputing the negative information in your credit reports. In addition, the type of delete in this situation may be a soft or temporary delete, which can then be reinstated when the creditor reports the next time. This happens because the agency doesn’t have to send information for the dispute to the creditor. What this means to you as the consumer is that the information which is disputed and deleted from your report can come back on in as little as 30 days.

If you are still interested in finding out how to initiate a dispute online, you can do so by following these links.

Experian Online Disputes: https://www.experian.com/disputes/main.html

Transunion Online Disputes: https://www.transunion.com/credit-disputes/dispute-your-credit

Equifax Online Disputes: https://www.equifax.com/personal/credit-report-services/credit-dispute/

Call us today to obtain more information regarding credit score enhancement or with help on your credit report.

How do I correct errors on my credit reports? | myFICO | myFICO Inaccurate or incorrect information on your credit report can hurt your credit score. Learn how to fix errors on your credit report with myFICO.

How to write a Letter of Dispute

Begin by telling the credit bureau what information you believe is inaccurate. Credit bureaus must investigate the item(s) in question-usually within 30 days-unless they consider your dispute frivolous. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your communication should:

Clearly identify each disputed item in your report.
State the facts and explain why you dispute the information.
Request deletion or correction.

You may also want to enclose a copy of your report with the items in question circled. Send the letter by certified mail, return receipt requested, so you can document that the credit bureau did, in fact, receive your correspondence. Also, keep copies of your dispute letter and enclosures.

Next, write to the appropriate creditor or other information provider, explaining that you are disputing the information provided to the bureau. Again, include copies of documents that support your position. Many providers specify an address for disputes.

If the provider again reports the same information to a bureau, it must include a notice of your dispute. Request that the provider copy you on correspondence they send to the bureau. Expect this process to take between 30 and 90 days.
In many states, you will be eligible to receive a free credit report directly from the credit bureau, once a dispute has been registered, to verify the updated information. Contact the appropriate credit bureau to see if you qualify for this service.

Our services are not limited to credit enhancement! We also provide assistance with credit services for disputes. If you are unsure what to do, where to start, or just don't want to be bothered, we can do it for you. Call us today to discuss options for credit disputes.

Happy Father's Day!

Common credit report errors that you should look for on your credit report:

When reviewing your credit report, check that it contains only items about you. Be sure to look for information that is inaccurate or incomplete.

Some common errors in credit reports are:

Identity errors
-Errors made to your identity information (wrong name, phone number, address)
-Accounts belonging to another person with the same or a similar name as yours (this mixing of two consumers’ information in a single file is called a mixed file)
-Incorrect accounts resulting from identity theft

Incorrect reporting of account status
-Closed accounts reported as open
-You are reported as the owner of the account, when you are actually just an authorized user
-Accounts that are incorrectly reported as late or delinquent
-Incorrect date of last payment, date opened, or date of first delinquency
-Same debt listed more than once (possibly with different names)

Data management errors
-Reinsertion of incorrect information after it was corrected
-Accounts that appear multiple times with different creditors listed (especially in the case of delinquent accounts or accounts in collections)

Balance Errors
-Accounts with an incorrect current balance
-Accounts with an incorrect credit limit

Always check your report! Call us today if you need assistance with yours!

Q: Will requesting my credit report hurt my credit score?

A: No, requesting your credit report will not hurt your credit score. Checking your credit report is not an inquiry about new credit, so it has no effect on your score. Reviewing your credit report regularly can help you to ensure that the information the credit reporting companies share with lenders is accurate and up-to-date.

We can also help you with other credit myths! Call us today with your own and we can discuss them over the phone.

You can get additional free reports if any of the following apply to you:

-You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.

-You believe your file is inaccurate due to fraud.

-You have requested a credit report from a nationwide credit reporting company in connection with the placing of an initial fraud alert (you may request two free copies for an extended fraud alert).

-You are unemployed and intend to apply for employment within 60 days from the date of your request.

-You are a recipient of public welfare assistance.

-Your state law provides for a free credit report.

Tip: Be cautious of websites that claim to offer free credit reports. Some of these websites will only give you a free report if you buy other products or services. Other websites give you a free report and then bill you for services you have to cancel.

We are happy to help and hope this was informative enough. If you still have questions, please give us a call. We would be happy to go over questions concerning your credit report and credit score.

Your Source for a Truly Free Credit Report? AnnualCreditReport.com | Federal Trade Commission Your credit report affects your ability to get a loan or job, and could help you avoid identity theft. You can get a truly free credit report from AnnualCred...

Accessing your credit report

You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com. You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $12.50 for a credit report.

You can request and review your free report through one of the following ways:

Online: Visit www.AnnualCreditReport.com
Phone: Call (877) 322-8228
Mail: Download and complete the Annual Credit Report Request form.

Mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Still need help? Call us today and we can talk to you about your credit report and discuss where you want to be with your credit score.

Annual Credit Report.com - Home Page During these times of COVID-19, accessing your credit is important. That's why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.

Happy Flag Day!

Q: What does a tradeline consist of on a credit report?

A: A tradeline is information about a consumer account that is sent, generally on a regular basis, to a consumer reporting agency. Unless part of the history has aged off your credit report because of the credit reporting time limit, your credit report will include the entire account history for each tradeline including:

-Credit or lender's name
-A partial account number
-The type of account
-Date the account was opened
-Date of last activity
-Current balance
-Credit limit or loan amount
-Amount of the last payment
-Date the account was last updated
-Payment history
-Current account status
-Any delinquencies in the past seven years

Still curious about what a tradeline is? Call us today and we can explain. While you have us on the phone, ask us about our credit enhancement program.