Get your FREE CONSULTATION with one of America's leading
non-profit credit education and restoration organizations!

Our in-house Credit Expert will help you understand WHAT is on your credit report, WHY it is there, HOW these items affect your score, and WHAT you can do to restore your credit file and rebuild your credit score.

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Finally! Take control of your credit report.

Create the financial future you are dreaming of.

Thank you for your interest in National Credit Educational Services.

NCES is a 501(c)(3) nonprofit organization offering free credit counseling and education. We can teach you how credit works, how to fix your credit report, and – most importantly – how to overcome the financial hardships of your past while building a brighter, more secure future.

We also offer very affordable credit restoration services to address errors, inconsistencies, and other negative records on your credit report.

Over the years, we've worked with thousands of consumers from coast to coast, helping them improve their credit scores by 75... 100... 150... even 200 points.

If you have repossessions, bankruptcies, collections, garnishments, foreclosures, late payments, or delinquencies, we can help. No gimmicks... no tricks. Just solid advice and proven strategies.

Everybody deserves a second chance! Schedule your free consultation today.

But don't just take our word for it. Here's what a few of our happy clients have said:
"I was referred to National Credit Educational Services (NCES) by a friend and Lord knows I'm so glad I met Mr. George Cole and his staff. When I first started, my credit scores were horrible! I'm talking 505, 544 and 554, but after my first cycle, I received my scores back from all three credit bureaus and they were 515, 586 and 579 respectively so they went up a lot. If you're thinking about this service think no more because your credit is your life! Without NCES I don't know what I would have done. I just started my second cycle and just wanted to mention that the staff was very helpful with answering my questions while keeping me informed on my status updates. Thank a bunch. So get up and call them now!" -- Jacqueline C.
"My attorney highly recommended that I use the services of NCES. After several conversations with the very knowledgeable people at NCES, I signed up for their credit restoration. To my surprise, after just 20 days (the first round) I got my first response back from the bureaus.  I checked my updated scores online and all my scores had gone up to close to 100 points. I was ecstatic! That very weekend I purchased a new car with the same car dealership that had previously turned me down.  I now feel 100% better about reaching my financial goals. Call National Credit Educational Services NOW to pursue your dreams… You will not regret it!!!"
Shelia A., GA
"When I came to NCES, I had a credit score of 570 and I was still in a Chapter 13 Bankruptcy. Going into the credit restoration process, I had already predetermined that there was nothing that could be done about my credit because of my bankruptcy. I decided to give NCES a chance to show me what they could do. I started my first session of restoration in September 2011 and by November 2011 I had been approved for a new car loan. In January 2012, I had been approved for a credit card with 0% interest AND a personal loan through my bank. Here I am in April 2012 and my credit score is 656. I am still amazed! All I can say is that there is hope for you if you allow NCES to help. The fee is a small price to pay in order to get your life back. You can start over and have a second chance with NCES." -- Taneka S.
"National Credit Educational Services has worked wonders for my wife and I. Before we signed up for services, we couldn't get any type of credit. My wife's credit had 20 negative account items, and on her first cycle, National Credit Educational Services deleted 13 negative accounts, and reversed 1 bad account to "paid as agreed". Soon afterward, we were approved for a secured credit card! We are so please with the services NCES provided that we had to tell all our church members!" -- Marcus S.

How high can your score go?

Schedule your free consultation today to start creating the financial future you've been dreaming about.Everyone deserves a second chance - especially YOU!