We understand that you have many choices when it comes to credit repair, so here are a few examples as to what sets us apart from other companies.

  • Fast, Legal and Permanent Removal of Negative Items
  • No Cookie-Cutter Dispute Letters
  • Strategic and Aggressive Approach
  • No Long Term Contracts, Cancel Anytime
  • Personalized Service with Assigned Credit Counselor
  • Client/Affiliate Online Secured Portal
  • Monthly Credit Updates and Analysis 
  • Assistance with Scores Improvement 
  • Extensive Credit Management Laws and Good Practice Education
  • Best and On-Going Customer Support

Most credit repair firms simply hire employees to read the same script to every potential client, and then send out an identical formatted dispute letter for every client regardless of the investigation needed and their particular case. Here at NOVO Credit Repair, we truly are experts, and strive to continuously educate ourselves and our clients on all credit related information and rights. Our extensive knowledge of credit laws allow us to build a custom game plan for each case, thus providing you the personalized service you deserve.

Another key factor that sets us apart from other firms is the speed in which we process your case. Unlike many firms who only go after a few of your negative items monthly, thus keeping you in their program for an average of 12 months, we go after all of the negative accounts affecting your credit simultaneously, resulting in an average score increase of 60-140 points within only 3-4 months (some cases may take up to 6 months depending on number of items, age, verbiage, lack of credit lines and credit risk factor).

Most importantly, our consultants are experts in the several different laws and acts that protect consumers, which most companies do not utilize.

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Our process is simple and improves your credit scores with all 3 bureaus quickly:

1- Credit File Analysis 2- Enrollment
3- Our Process
4- Get Real Results

See How Our Process Works Step By Step

The Fair Credit Reporting Act (FCRA) is United States federal legislation that promotes accuracy, fairness and privacy for data used by consumer reporting agencies. Consumer reporting agencies include credit bureaus and financial agencies — such as those that sell information about rental history records.


The Fair and Accurate Credit Transactions Act of 2003 (abbreviated FACT Act or FACTA, Pub.L. 108–159) is a United States federal law, passed by the United States Congress on November 22, 2003, and signed by President George W. Bush on December 4, 2003, as an amendment to the Fair Credit Reporting Act.

It that was added, primarily, to protect consumers from identity theft. The Act stipulates requirements for information privacy, accuracy and disposal and limits the ways consumer information can be shared.


What is the Fair Credit Billing Act – FCBA. A federal law designed to protect consumers from unfair credit billing practices. The Fair Credit Billing Act (FCBA) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements.


The Gramm-Leach-Bliley Act (GLB Act or GLBA), also known as the Financial Modernization Act of 1999, is a federal law enacted in the United States to control the ways that financial institutions deal with the private information of individuals.


The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.


The Truth in Lending Act (TILA) of 1968 is United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed.


The Service Members Civil Relief Act (SCRA), formerly known as the Soldiers’ and Sailors’ Civil Relief Act (SSCRA), is a federal law that provides protections for military members as they enter active duty.


Title III of the Consumer Credit Protection Act (CCPA) protects employees from discharge by their employers because their wages have been garnished for any one debt, and it limits the amount of an employee’s earnings that may be garnished in any one week.


The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.


The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) (Pub.L. 109–8, 119 Stat. 23, enacted April 20, 2005), is a legislative Act that made several significant changes to the United States Bankruptcy Code.


On May 22, President Barack Obama signed the Credit Card Accountability,Responsibility and Disclosure, or Credit CARDAct of 2009 into law. The legislationwill improve consumer disclosures and end some egregious practices in the credit card industry but stops short of capping interest rates and fees.


The Electronic Fund Transfer Act (EFTA) is a federal law enacted in 1978 to protect consumers when they use electronic means to manage their finances. … Consumers typically use a card or pin number to initiate transfers from one account to another


The Federal Trade Commission Act of 1914 established the Federal Trade Commission. The Act, signed into law by Woodrow Wilson in 1913, outlaws unfair methods of competition and outlaws unfair acts or practices that affect commerce.


The Act, as amended, requires the Commission to promulgate regulations (a) defining and prohibiting deceptive telemarketing acts or practices; (b) prohibiting telemarketers from engaging in a pattern of unsolicited telephone calls that a reasonable consumer would consider coercive or an invasion of privacy; (c) restricting the hours of the day and night when unsolicited telephone calls may be made to consumers; and (d) requiring disclosure of the nature of the call at the start of an unsolicited call made to sell goods or services. Laws specifically related to Do-Not-Call and to charitable solicitations are listed separately.

A bill to provide for more detailed and uniform disclosure by credit card issuers with respect to information on interest rates and other fees which may be incurred by consumers through the use of any credit card.




Restricting the collection of personal info from minors.

The Children’s Online Privacy Protection Act (COPPA) is a law created to protect the privacy of children under 13. The Act was passed by the U.S. Congress in 1998 and took effect in April 2000. COPPA is managed by the Federal Trade Commission (FTC).


The Identity Theft and Assumption Deterrence Act of 1998 which became effective October 30, 1998, makes identity theft a Federal crime with penalties up to 15 years imprisonment and a maximum fine of $250,000. It establishes that the person whose identity was stolen is a true victim.


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