Frequently Asked Questions
CONSUMER QUESTIONS
Q: Is this "Credit Repair"?
No. Credit Repair involves sending letters to dispute items. We perform Forensic Data Audits. We analyze the raw Metro 2® code of your credit report for statutory violations of the FCRA. If a violation exists, we demand the bureau correct or delete the erroneous data.
Q: How long does the audit take?
The initial scan takes 24 hours. Once a legal demand is filed, the Bureaus have a federally mandated window of 30 to 45 days to respond.
Q: Can you guarantee a deletion?
No ethical firm can guarantee a specific outcome, as the Credit Bureaus are third-party entities. However, we guarantee that we will identify every factual error on your report and aggressively challenge it using the full weight of the law.
BUSINESS QUESTIONS
Q: Is it legal for me to report tenant debt?
Yes. Under the FCRA, any business with a "permissible purpose" and a contractual relationship (like a lease) can become a Data Furnisher. We handle the credentialing and compliance for you.
Q: Do I need 500 accounts to start?
Historically, yes. However, by partnering with National Data Compliance Group, you utilize our aggregated volume to meet Bureau minimums, allowing even smaller portfolios to report data immediately.
Disclaimer: National Data Compliance Group ("NDCG") is a Data Processing and Forensic Audit firm. We are not a law firm, and our employees are not attorneys. We do not provide legal advice. All credit reporting and data furnishing activities are conducted in accordance with the Fair Credit Reporting Act (FCRA) and the Metro 2® credit reporting standards..
CROA Notice: Credit Repair Organizations Act (CROA) disclosures are provided in the Consumer Service Agreement. "Credit Repair" services are strictly limited to the forensic analysis and disputing of inaccurate, unverifiable, or erroneous data. No specific credit score outcome is guaranteed.
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