How It Works

The first step to restoring your credit is to find out where you currently stand. Well over 70% of all Americans have inaccurate information on their credit reports! As a Now My Credit Member we will provide you all the resources you need to become an informed consumer. We’ll show you where you are today, discuss with you where you want to be, and share with you how to get there. You don’t need to live with poor credit the rest of your life.

There are certain methods that are available to delete inaccurate information from a credit report. Just letter writing to the bureaus is not enough. We use our experience to get fast results from the Credit Bureaus, creditors and collection agencies. There are Federal & State laws in place to protect you from inaccurate and unverifiable credit reporting. We make sure that these laws are being followed in your best interest. We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These four laws have been established to protect consumers' credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, which is usually 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer's credit report.