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|
|$79 - $99||Yes||
- 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.
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
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.
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