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#76
national_credit_care-130x130
Our Score
3.8
User Score
2.6
Rank this Company
Ratings Breakdown

Price

$189 Analysis Fee + Monthly
$69/mo

Time in Business

Total # of years
11 years

A-

Guarantees/Warranties

Money Back Guarantee?
No

Credit Reports

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
No

Case Setup

consultation, evaluation etc.
No

Number of Reviews

User reviews here on BCRC
25

This Review is maintained by

Review Last Updated:

National Credit Care strictly operates 100% in the United States. The NCC differentiates itself in the industry by stating to employ “a full, in-house customer service department located in the USA.”  
natlcreditcare

The Good

This company is best suited for individuals in need of long-term credit repair. Like most credit repair companies, National Credit Care specializes in removing false information from a client’s credit reports. Consumers are able to receive a credit restoration consultation and are able to rebuild credit with secured credit card offers. Once items are successfully deleted from a credit report, the credit repair company will work hard to ensure those negative items stay off permanently. The financial services company also provides consumers with credit information and educational articles on their corporate website.

Rank Chart Monthly Price Licensed Attorneys Our Score
#1
$79 - $99 Yes
9.4
#2
$99.95 Yes
9.0
#3
$59 Yes
8.9
#76
national_credit_care-130x130
$69/mo No
3.8
  • Price: NCC offers a free credit consultation to start and then $69 per month thereafter.
  • Consultation: Personalized attention from a live credit consultant.
  • Customer Service: All customer service representatives are located in the US.

The Bad

According to the Better Business Bureau, there were 56 complaints about National Credit Care that were closed. Common complaints in consumer reviews are about sales issues, collection issues, warranties, and problems with service. National Credit Care may not be best suited for individuals with few deletion items on their credit reports.

  • Sign-ups: After initial consultation the company charges $189 for a comprehensive analysis
  • Attorneys: NCC has no licensed attorneys
  • Guarantees: Offers no money-back guarantees on their services.
  • Transparency: No detailed program information or deletion proof on corporate website

The Bottom Line

National Credit Care is best suited for individuals in need of long-term credit repair. It is not suited for individuals with few deletion items on their credit reports. According to the majority of our consumer reviews, National Credit Care does not show to have the highest success rate of credit restoration. Also, their lack of transparency is a concern.

We advise comparing with the top rated companies in the industry to ensure you make the best choice for your credit repair needs.

 

National Credit Care uses a six-step credit repair process. While very similar to other credit repair companies’ step by step processes, National Credit Care claims to pay specific attention to details and offers comprehensive options to their clients. National Credit Care uses the six step process, but creates a customized plan for each of their clients.

Step #1: Contact

If you decide that you want to receive credit repair help from National Credit Care, begin my getting in contact with their team either by email or phone. This conversation will allow you to explain what you want to see happen with your credit while allowing the National Credit Care specialist the opportunity to provide realistic expectations.

Step #2: Analysis

The next step is to analyze your credit report. A National Credit Care consultant will go through each detail on your credit report with you so that there is total awareness and understanding of the key issues and areas of strength. The analysis portion of the credit repair process will also help you better understand your credit situation.

Step #3: Verification

Upon getting in contact with a representative from national Credit Care, you will be asked to provide standard personal information required in order to begin the credit repair process. This information will include your name, social security number, address and billing information, and employment information. All of this information will also have to be verified before any credit repair case can get started on.

Step #4: Payment

After the consultant has analyzed your credit report and verified your personal information, you will have to pay the consultation fee before the credit repair process can actually begin. The credit report consultation fee comes out to $189, followed up by $69 monthly fee while the consultant is disputing the inaccurate items on your credit report.

Step #5: Confirmation

After you have paid the consultation fee, you will receive written confirmation of your enrollment in the National Credit Care credit repair program. You will also receive, in the confirmation email, all details concerning the credit repair process, terms, and other obligations associated with your review.

Step #6: Dispute and Relax

This is the part where your consultant will take over your case. They will begin disputing inaccurate items on your credit report by submitting letter to the credit bureaus. The bureaus then have 30 days to send back results of their investigation. During the 30 day time period, an NCC consultant will continue to work with you to develop positive credit habits that will also boost your score. Once the credit bureau investigation is complete, you will receive the results and can go over them with your consultant.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

25 National Credit Care Reviews

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  1. User Score
    0
    February 8th, 2016
    0 people found this review helpful!
    Its a scam!! They are guaranteed at least $400-$450 the minute you sign up and they do not tell you that. I cancelled 2 weeks into this realizing their scam and still lost $200 MORE, because I did not read the fine print. Beware!! What they “Say” they will do, could cost you thousands by the time they get around to addressing all the negative items for each of the 3 agencies. They pick one or maybe 2 items off 1 agency at a time so that you will continue to owe them money. I went directly on each of the Credit Reporting Agency sites and actually took care of everything myself in one visit for FREE! Learn from my mistake and don’t give them a dime!!
  2. User Score
    1
    December 21st, 2015
    0 people found this review helpful!
    I have been with this company for just over10 weeks. I don’t know the credit agency laws for removals but it seems that if some thing goes off one report it should not take over one more month for it to go off the other two credit reports. I do feel I might be getting scammed and they are reporting disputes long after they file one with just one credit agency. Going to cancel due to the reviews on here and going to do it in writing and a phone call and email.
  3. User Score
    5
    December 16th, 2015
    0 people found this review helpful!
    I’ll give NCC a 5 right now. Ive been with the company for less than 60 days and my credit score has improved by a few points due to them getting some negative points taken off my credit report. Im satisfied with this company right now as im trying to reduce my interest on a car loan
  4. User Score
    10
    December 3rd, 2015
    3 people found this review helpful!
    I worked with Marissa Cortez and she was fantastic! The who crew was great, in fact. In a matter of about 3 months they had raised my credit score by over 80 points. I was thus able to finally buy a house at a favorable interest rate just four years after losing my old house to repossession. Work with them and trust them and they WILL come through for you.
  5. User Score
    0
    November 12th, 2015
    0 people found this review helpful!
    This company caused my credit score to drop over 50 points, due to their credit disputes on my credit report. I would have been much better off without them.
  6. User Score
    0
    November 10th, 2015
    1 people found this review helpful!
    I wish there was a negative star rating. Service is a TOTAL SHAM, not honorable, refuse to cancel and THIEVES!!!! I called to cancel the service because instead of raising my credit score, the service had a negative impact. The very rude/aggressive sales guy MARK said he could improve it and would reduce the fee from 99.99 to 69.00, to which I verbally agreed. I then heard from the bank which said the activity from NCC was actually preventing my desired loan from going through. I sent a e-mail on 11/05/15 to Kelsey requesting the account be cancelled and the disputes to my credit report be lifted. On 11/10/15 I received a phone call from Mark, first saying I never sent the e-mail to Kelsey (apparently he isn’t clear on how e-mail works with the whole date/time stamp thing) saying they attempted to charge my card. He also said that because I was canceling, I have to pay the entire 99.99. The conversation escalated and Mark refused to cancel at no charge and said they would not lift the disputes unless I gave them more money. I asked to speak to a supervisor and he lied, saying he had none and that he reported to the owners who would not take calls from clients. This is not a reputable company and no one should get involved with them. After $700 of payments they did nothing but hurt my credit score and take a payment they should have refunded. I also think that a reputable business would have Mark’s boss call me. I have left several messages and sent e-mails and nothing. I shouldn’t be shocked considering it is the company motto to contact clients. So you literally won’t hear from them at all, even if you contact them repeatedly. The only way you receive updates is if you call to cancel. I have reported them to the Better Business Bureau (which Mark didn’t seem to care about) and will continue to pursue a conversation with his boss, assuming he was not telling the truth when he laughingly said he doesn’t have one. Beware of this shady & unethical business.
  7. User Score
    0
    October 7th, 2015
    1 people found this review helpful!
    Its been 60 days, no mail, e-mail, phone, texts etc… You claim 37-45 days but I havent received anything after paying $300!! So you have 30,000 customers, wonder if they are being treated the same as I”
  8. User Score
    0
    September 10th, 2015
    1 people found this review helpful!
    My husband has been with them over 6 months, not seeing an improvement we cancelled and a month later they ran our cc again now we owe 32×3 over draft fees and they charged our account 3 times. Worst company ever.
  9. User Score
    0
    August 4th, 2015
    2 people found this review helpful!
    Do not use these scammers!
    I had to do all the leg-work for them.
    try to cancel, told no problem, but we are still going to bill you for another month.
    Another month for nothing.
    SCAMMERS

    DO NOT USE THEM

  10. User Score
    1
    July 27th, 2015
    2 people found this review helpful!
    dissappointing to say the least. I had hopes of making improvements, I’m financially able to correct past “sins” where necessary but there was zero communication from their end and there’s was NO strategy to improve my credit score. I was told by the bureaus to stop sending investigations without documentation of errors on the report.
    They were friendly and kind but I would be too if I wanted you to keep sending me $140 a month for the rest of your life.
    Don’t waste your money and time
  11. User Score
    1
    July 14th, 2015
    2 people found this review helpful!
    It was great till the end. They were able to get some disputes taking off. The problem comes in when you try to get away from this company. You are required to call to say you were canceling and then the pressure sale starts. The contract clearly states to write them to cancel but they won’t let you do that. Guess we’ll at Wells Fargo dispute the credit card claim as I have all the emails when you kept telling me to call that they would not cancel me even though I was going by the contract .
  12. User Score
    10
    July 4th, 2015
    2 people found this review helpful!
    I used them and they took off 218k in bad debt collection 29 negatives got injured and loss my job and they cleaned my credit report it took 15 months it doesn’t happen over night let the do the work if an account has been sold to a new collection company it will come off quicker than the original collection company so if you owe more than 800.00 in debt pay them there monthly and let them do there job
  13. User Score
    0
    February 7th, 2015
    0 people found this review helpful!
    into them for 500.00.no changes,no reports.Called to cancell and was told report will be out on 13 of feb.will see,but not betting on it
  14. User Score
    1
    January 22nd, 2015
    1 people found this review helpful!
    1000 paid. Zero results. Told me 3 months free if no results. Total lie. Rather than pay these guys pay down your debt. Everything they do you can do yourself.
  15. User Score
    0
    September 6th, 2014
    2 people found this review helpful!
    I would not recommend this company. I paid the sign up fee and was with the service long enough to be billed for 3 months. You are supposed to get updates from the bureaus as to if the dispute is deleted, remains or changed. I never got the first letter from the bureaus with this type of information. They wanted to tell me how stellar they were doing and what they were accomplishing before I discontinued my service. Not a darn thing happened except they withdrew money from my checking account regularly. I contacted the mortgage broker who referred them to me and told them about the other company I found that does produce results. So even though I feel they took my money, I have prevented them from screwing someone else over.
  16. User Score
    2
    September 4th, 2014
    0 people found this review helpful!
    This company is not even accredited with BBB.
  17. User Score
    1
    April 26th, 2014
    0 people found this review helpful!
    7 months later checked all 3 credit scores and no changes.loosing hope.Giving it two more months and will post more updates.IIf no changes I will need to report this company to the better business buro.
  18. User Score
    1
    April 23rd, 2014
    5 people found this review helpful!
    A month later and no change in score.No deletions,I just checked all 3credit buros no change.I had 12 negative accounts,3Inquiries when I started in November of last year when I started to use National Credit Care and nothing has changed.I will make another update next month.If nothing changes by June I will need to report them to the BBB and try to get my money back.Staying positive
  19. User Score
    2
    March 25th, 2014
    2 people found this review helpful!
    Update today. I checked all 3 credit scores still nothing has changed.6 months now at paying $59 a month and $89 Annual fee.I and keeping up with updates every month so anyone reading these reviews knows if this company is worth paying for.
  20. User Score
    0
    March 4th, 2014
    2 people found this review helpful!
    Thiscompany is a complete scam. They will take your fee, claim to be making progress but month after month your credit score will not budge. Fast talkers that try and talk you into staying I ended up not believiing a word they say.
    Classic telemarketer scheme.
    Save your money
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Our Score
3.8
User Score
2.6
Rank this Company
Ratings Breakdown

Price

$189 Analysis Fee + Monthly
$69/mo

Time in Business

Total # of years
11 years

A-

Guarantees/Warranties

Money Back Guarantee?
No

Credit Reports

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
No

Case Setup

consultation, evaluation etc.
No

Number of Reviews

User reviews here on BCRC
25
Our Score
9.4
User Score
7.0
Rank this Company
Ratings Breakdown

Price

Monthly w/ $99.95 First-Work Fee
$79 - $99

Time in Business

Total # of years
25 years

A-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Number of Reviews

User reviews here on BCRC
1,002