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.

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

Become a Member
  • The Difference Between Hard Inquiries and Soft Inquiries

    admin May 1, 2018

    The Difference Between Hard Inquiries and Soft Inquiries by Michelle Black, CreditWriter.com Credit scores, like FICO and Vantage Scores, are based upon a variety of different factors. For FICO Scores the factors which make up an individual’s credit scores fall into 5 categories. The least influential categories, Mix of Credit and Inquiries, each account for […] Read More...

  • What Is Revolving Utilization and Why Is It So Important to Your Credit Scores?

    admin March 1, 2018

    What Is Revolving Utilization and Why Is It So Important to Your Credit Scores? by Michelle Black, CreditWriter.com If you want to have great credit scores then pay your bills on time every month. The previous statement is great advice; however, it is incomplete. Simply paying your bills on time is not enough to achieve […] Read More...

  • Did You Know that Some Items Can Remain On Your Credit Reports Forever?

    admin February 1, 2018

    Did You Know that Some Items Can Remain On Your Credit Reports Forever? by Michelle Black, CreditWriter.com Most negative items appearing on your credit reports come with an expiration date. If you are a consumer, this is great news since most of your past credit mistakes will not be able to haunt you forever. It […] Read More...

  • What is a debt validation request?

    by admin

    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), […] Read More...

  • Understanding Credit Scores

    by admin

    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 […] Read More...

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

    by admin

    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), […] Read More...