Integrity.Honor.Ethics

"Standards of Excellence"

National Association of Credit Services Organizations advocates industry standards and ethical business practices for the credit repair industry.

Founded in 2007, NACSO services to streamline the industry through our Standards of Excellence seal. NACSO members promote compliance throughout the industry on national levels.

Be Part of the Solution,Not Part of the Problem®

Become a Member
  • "Standards of Excellence" Seal

    The NACSO Standards of Excellence is an honor and not every company is eligible. Businesses that meet our high standards are invited to join the NACSO. Businesses meeting NACSO standards are presented to local Boards of Advisors (or designees) for review and acceptance as a NACSO Standards of Excellence member.

  • Peace of Mind

    Check with the company you are working with and ask them if they are a member of the National Association of Credit Services Organizations. Check their website for the NACSO "Standards of Excellence" seal.

  • Certification Enrollment Process

    National Association of Credit Services Organizations' members go through a certification enrollment process to aid in the prevention of fraudulent activity throughout the credit services industry. NACSO's Standards of Excellence goes further than the Credit Repair Organizations Act and touches on items essential to the honest growth of this industry.

  • March 2014 NACSO Update

    CFPB HOLDS HEARING ON CONSUMER CREDIT REPORTING INDUSTRY. Credit Report Errors are Rampant and Consumers Need Professional Assistance in Navigating the Dispute Process.

    The Consumer Financial Protection Bureau (CFPB) Consumer Advisory Board held a hearing on February 27 on the credit reporting industry. Panel participants included representative consumer advocates, Discover Card Services, and the credit reporting industry trade group CDIA president Stuart Pratt.

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  • NACSO Update

    Washington, DC, September 24, 2013

    Senators Amy Klobuchar (D-MN) and Mark Begich (D-AK) and Bill Nelson (D-FL) introduced on September 24th legislation to help consumers correct errors on their credit reports. The Fair Credit Reporting Act requires credit reporting agencies to conduct reasonable investigations and provide all relevant information when a consumer disputes an item in his or her credit report as inaccurate or incomplete.

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  • NACSO Issues call to industry to enhance consumer protections and strengthen the growth of professional credit repair organizations

    Washington DC, August 12, 2013

    The National Association of Credit Services Organizations (NACSO), the leading association for the credit repair industry, is calling on the industry to enhance consumer protections and to ensure the honest growth of the industry, to make much-needed credit repair assistance available to consumers in today's economy.

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  • Why Disputing Credit Report Errors The Way The Experts Recommend Could Hurt, Not Help

    by Reney DuBose

    Disputing credit report errors using the often recommended method of going online to the credit bureaus' websites to file disputes could sabotage any efforts to improve your personal financial situation. Certain restrictions of the Electronic Online System for Correct and Accurate Reporting (E-OSCAR), created by the big three credit reporting agencies, make this likely.

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  • The Debt Validation Letter, Collection Companies, Junk Debt Buyers, And Your Credit

    by Reney DuBose

    A debt validation letter is simply a letter you can send to a presumed creditor (or debt collection company) requiring them to show proof that they either own the debt in question, or are otherwise legally authorized to collect on the debt. If you owe a debt, under the Fair Debt Collection Practices Act (FDCPA), you have the right to require that collection companies validate that debt before you proceed to pay.

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  • Understanding Credit Scores

    by James Charlet

    If you are like most people, you probably have heard of your credit score and believe that you have a single number sitting out there just for you. However, like almost everything dealing with credit and risk, there is a vast amount of grey area and variation. The truth is that consumers have three different credit reports that do not have to match one another and can therefore all deliver a different score, even if it is run through the same scoring algorithm.

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