NCF’s Tuesday Tidbit’s! 

Raymond Has a New Car and a New Home!


“I wanted to thank you guys at National Credit Federation for helping me with my credit, getting it cleaned up, reestablished and built up.


I’m so surprised that in such a short amount of time how quickly you were able to do all of this. Because of you, I was able to purchase a new car and now I’m just about ready to close on my house.


So like I said, I couldn’t have done this without you guys. Once again thanks for all your hard effort and work. I’ll definitely let people know how much you helped me and hopefully you can help them too.”



Henderson, NV

Tips to Keep Your Car in Top Shape


Want your car and your money to last as long as possible? Preventive maintenance can keep your auto running longer

Don’t run on fumes

Avoid letting your gas tank fall to less than a quarter full. The reason? Most electric gas pumps are inside the gas tank and stay cool by being surrounded by gasoline. If the pump isn’t submerged, it can get hot, which can shorten its life.

Check the cabin air filter

Most cars now come with a cabin air filter, which cleans outdoor air before it comes inside. Typically, the filter should be changed every 50,000 miles. If not, it can become clogged. If you notice that the vehicle’s cooled or heated air flow is reduced, the cause may be a clogged cabin air filter. Clearing or changing the filter might avoid a more costly diagnostic bill.

Don’t ignore antifreeze

Have your antifreeze checked every 30,000 miles to confirm that it will provide freeze protection and that it’s not acidic. Antifreeze, when new, is alkaline. Over time, it becomes acidic and can damage the radiator, engine block, heater core, rubber hoses and more.

Know the signs of overheating

If you continue to drive a car with an overheated engine, you can cause serious damage. But you  might not realize the engine is overheating. For one thing, the temperature gauge may read improperly if it’s not submerged in coolant.

Other warnings of an overheating engine include the cabin heater no longer producing heat or the air conditioner shutting down. If you hear engine rattles or pings, turn off the engine immediately to prevent serious damage.

Heed a flashing check-engine light

Stop the vehicle as soon as feasible if the check engine light comes on and flashes. But if the light remains steady, you can probably continue to drive a few hundred miles before getting service, provided your car has sufficient fluids and is in good condition.

“The pro is the person who has all the hassles, obstacles, and disappointing frustrations that everyone else has. yet continues to persist, does the job, and makes it look easy.”

~ David Cooper

   Herschel Bentley is the Executive Director of National Credit Federation.  He has 30 years experience in the credit, mortgage and real estate markets and loves helping people improve their credit and seeing referral sources grow their business.

Lawrence Law is the Regional Director for NCF and CEO of Vantage Credit Alliance.  If you need assistance email him at  He will be happy to assist you.