CREDIT QUESTIONS

Does NACA pull credit?
Yes — but differently.

They review:

• Credit report
  
  


• Payment patterns
  
  


• Collections
  
  


• Charge-offs
  
  


• Judgments
  
  

They care more about recent payment behavior than your numeric score.


What about collections?
You may need:

• Payment plans
  
  


• Letters of explanation
  
  


• Documentation
  
  

Some debts must be resolved before approval.