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"How to Build Positive Credit and Increase Your Credit Score Now!"
Membership
Benefits and Services
FREE Credit Audit and Verification: One of the most important and powerful component of our ‘Credit and Financial – Direction and Protection‘ plan for NACRA members to help them recover, rebuild, and then maintain their good credit and good name is the "Credit Audit and Verification" process.
The Consumer Advocate Law Firm has developed, streamlined, and then realized a legal means for addressing flawed consumer credit reports. Congress has provided consumers the right to challenge information that is deemed to be inaccurate, unverifiable, or obsolete and the difference of having an experienced consumer law attorney working for you through this process is invaluable and will make all the difference in your life and your financial future moving forward.
The Consumer Advocate Law Firm will aggressively represent you with NO upfront fees or ongoing monthly fees to force the removal of negative and inaccurate items from your personal credit report as provided for by law. Your total legal fees for this service provided to members of NACRA in good standing are only $5 per deleted or corrected item per credit report; billed and paid directly to the Consumer Advocate Law Firm as a "correction fee" – payable ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS.
FREE Do-It-Yourself Loan Modification:
NACRA has partnered with Alpha 2000, a non-profit community based organization of more than nine years to make sure consumers do not get taken advantage of! Alpha 2000 wants to make sure families can keep, and then remain in, their biggest investment; their homes!
As a member of NACRA, Alpha 2000 will provide members with a ‘FREE" Do it yourself Loan Modification book that provides step by step detailed instruction on how to modify your loan in Layman terms. With the book, NACRA will provide you the necessary modification forms that you will need in order to submit a Qualified Proposal to your lender and save your home!
FREE Legal Services:
Members receive free membership into a national law club with a lawyer network of over 20,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or letter written by one of our plan member attorneys on your behalf. Members are encouraged to embrace the legal system and make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters.
Services included at NO CHARGE by referred attorney are:
- Unlimited phone consultation for all new legal matters.
- Face to face consultations for all new legal matters.
- Review of legal documents (Six pages or less).
- Calls and letters written on member’s behalf.
- Simple wills for you and your family with annual updates.
- Living will (advance healthcare directive).
- Advice on representing yourself in small claims court.
- Assistance with government programs.
- 10% discount on all contingency fees.
FREE Identity Theft Protection:
You will receive FREE membership into an Identity Theft Protection Program provided by...
Services Include:
- LifeLock places fraud alerts on your credit reports so only you can use them.
- WalletLock™.
- eRecon™ and TrueAddress™
- LifeLock makes sure that you get at least one free credit report from each credit bureau annually.
- LifeLock’s $1 million service guarantee – if you become a victim while a LifeLock client, LifeLock will recover your good name and replace every dime you lost up to $1 million.
Compare this to credit monitoring, like those provided by the credit bureaus. Which would you rather have, a lock on your door keeping the thieves out, or an alarm telling you after the thief has ripped you off? We think our members would prefer to keep the thief out in the first place. And that's what LifeLock does.
FREE Financial Help Line
You will have free access to certified and experienced bi-lingual counselors who will give you comprehensive, objective, and honest guidance via phone and Internet. The counselor’s mission is to teach you how to make better financial decisions and make positive behavioral changes in your financial life.
You will also have access to interactive calculators, glossaries, and financial tools, as well as an extensive library of financial planning related articles focusing on helpful planning resources.
FREE Expense tracking:
You’ll be amazed how much money you actually have! If you are like most people, money always seems to be tight. Between skyrocketing costs and never ending bills, by the end of the month your bank account is empty and you have no idea where it all went! The truth is that you must track your spending in order to control it and that’s exactly what NACRA wants to help you accomplish by directing you to this FREE service!
FREE Tax Advice and Preparation and Tax Help Line
You will receive free membership into a Tax Advice and Preparation Program. All tax and financial services are provided by tax attorneys, financial analysts, CPA’s, former auditors and/or Enrolled Agents certified by the IRS. Their professional team is ready to answer your tax questions in a confidential and secure environment.
Tax Help Line members also receive the following services:
- Unlimited advice on federal taxation via toll-free phone, faxes, or e-mail
- Free tax return preparation (Includes 1040EZ, 1040A, AND 1040)
- Deep discounts on numerous tax schedules
- Unlimited advice on taxation for small business owners (Sole Proprietors)
- IRS Audit Assistance
- IRS Notification Assistance
- Tax Planning
- Review of prior years return
- Access to a member website portal with tax tips, tax law changes, tax organization area, IRS audit area, and member advice online.
Second Chance Checking Account and Prepaid Visa
The Checking Account alternative that lets you borrow money and build credit history too! You read that right. ChexSystems holding you back? Look no further. We have a bank account for you with 100% Guaranteed Approval that gives you:
- NO credit check.
- NO Overdraft Fees
- NO Bounced Checks
- NO Minimum Balance
- NO CHexSystem Verification
- FDIC insured bank account
- ID verification required
Sign up is free and online through NACRA. Additionally, as part of our “Credit and Financial-Direction and Protection” plan, as a Value Added benefit for NACRA members, this card allows you to enroll in a Credit Builder program that will allow you to demonstrate your credit worthiness to potential creditors. By using this account, you can save over $300 a year in check cashing fees as well. Just another example of how being a member of NACRA saves you money on services nationwide while helping you recover, rebuild, and then maintain your good credit and good name.
FREE Credit Reference Letter Service:
From time to time, especially during the Credit Audit and Verification process, you may need to provide a credit reference letter. Free with your membership, upon your request, your affiliated attorney will write a credit reference letter for prospective lenders, landlords, employers, or whoever may request a letter from you.
FREE Credit Card Search Engine Service:
Whether you are currently in or going through a financial storm and need to rebuild your credit, a credit card, used responsibly, can be an excellent tool. We will direct you to an online database search of all the banks in the US that offer sub-prime, secured, unsecured, partially secured, and A-rated credit cards for both personal and business.
There is probably good reason why you may currently find yourself in a financial storm, but when members utilize the benefits and services provided by NACRA to facilitate the "Credit and Financial-Direction and Protection" plan, it will culminate with a financially healthier, stable, and educated you, ready to participate in our ever increasingly credit culture and economy.
THE NATIONAL ASSOCIATION FOR CREDIT RESPONSIBILITY AND ADVOCACY
NACRA, LLC
3525 Griffin Road
Ft. Lauderdale, Fl 33312
800-704-6230
