Welcome To National Credit Authority,
...a division of Credit Repair Today, LLC.

National Credit Authority understands that in lifeā€¦"adverse circumstances can affect good people". Consequently, since 1995 our philosophy has always been to seek the highest level of customer satisfaction and results. This begins most importantly in our process that each client's situation is treated individually and the work being done will be "personalized", not computerized. And because we have full time attorneys on staff we are continually kept informed of the laws that govern credit restoration, our procedures, and strategies so we continually provide our clients with the best credit repair service available.

All items shown on your credit must comply with specific rules and laws or these items can legally be disputed and removed. Currently there are over 200 laws that almost every item on your report is potentially violating.

By law, you are allowed to challenge and dispute items on your credit report that are in error or that you don't agree with. If you challenge these items correctly, the credit bureaus must investigate and prove their validity. If they cannot, the items in question must be removed. Disputing negative items in conjunction with the Fair Credit Reporting Act of 1970, and the newly amended FACTA, is the only way to repair your credit legally and permanently. National Credit Authority specializes in helping people every day impact and improve their credit and personal lives.

The Fair Credit Reporting Act of 1970 (FCRA), The Fair Billing Credit Act (FCBA) and The Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your creditors. Our staff and legal team work to maximize your credit score, increasing it in some cases over 100 points plus!


There is no "magic wand" that can be waived over your credit files to make years of bad credit or inaccurate information "disappear" overnight. Our process of legal credit restoration focuses on the inaccuracies, misstatements and misleading information on your credit reports. This requires time, diligence, persistence, patience, and a thorough understanding of the law. The good news is, however, that most of our clients obtain excellent results within the first 30 days.

Our Proven Credit Restoration Program is one of the most aggressive and successful in the industry. We provide:

  • Unlimited Disputations.
  • Creditor Validation Letters.
  • Creditor Account Validation Forms.
  • Lawful Notices/Letters of Demand.
  • 24/7 Internet Client Account Monitoring.


Upon completion of 12 months of our service you can request an evaluation audit of your account. By using the fair market value of today's standards,