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National Society of Credit Restoration


The National Society of Credit Restoration is commonly referred to as NSCR, a national membership based association that offers you everything you'll need to restore your credit standing and regain financial freedom.

While there are many companies who brand themselves as credit repair organizations, most of them lack the legal clout and experience necessary to adequately represent your dispute efforts.  "Credit Repair" has not been kind to the American Consumer.  In fact, the name is synonymous with fraud.  This is the stigma faced by NSCR as we offer our Members a legal alternative to "Credit Prison".

Disputing a credit report is easy.  However, getting results from the credit bureaus as a layperson is amazingly difficult, complex, and infuriating.  The Federal Trade Commission receives more complaints against credit bureaus than any other type of business.  Remember, the credit bureaus are primarily interested in protecting their profits.  Investigation consumer disputes consumes these profits.  Sparking a mass number of lawsuits, the bureaus do everything in their power to impede your progress with credit restoration.

Restoring your own credit is like repairing your own transmission or representing yourself in court; it is possible, but you have to be willing to invest the time to learn the processes, assume the risks of inexperience and realize that it will probably take you longer and you be less effective than a professional.

A recent survey by an independent research group revealed that more than 70% of credit reports contained mistakes and errors.  The prevalence of errors has lead to consumer protection legislation that allows consumers to challenge the bureaus and force the removal of inaccurate, outdated or unverifiable information.
If you are financing a car and have bad credit, you are probably paying thousands of dollars more than you would pay once you had restored your credit.  This extra interest shows up every  month in a dramatically higher payment.  One of the first things that our members often do once they have restored their credit is to refinance their automobile for a fraction of their current payment or buy twice the car at nearly the same payment.
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Auto
Automobile Financing

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Home Financing
The "American Dream" of owning your home is out of reach for most people with credit problems.  As you see below, even mildly damaged credit will cost a small fortune in additional interest.  This forces credit challenged consumers to raise families in less desirable neighborhoods and to pay off someone else's mortgage for them, with only several years worth of rental receipts to show for it.

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