National Credit Care focuses on helping consumers “become mortgage ready”, stating that they make credit repair simple. The NCC team strictly operates 100% in the United States and says clients’ accounts will never be outsourced. In addition, National Credit Care provides a personal approach to credit repair services, helping consumers fix their credit the right way.
National Credit Care strives to provide a personal touch to their credit repair clients. Stating that “only a personal approach can provide the optimal service and benefits needed to fix a client’s credit history”, NCC truly focuses on personalization over automation. The firm has a few other benefits, such as:
NCC’s credit repair services costs vary.
National Credit Care offers a free consultation to potential clients.
All customer service representatives are located in the US. In addition, NCC states that they are available to help clients at any time.
Although National Credit Care has its benefits, the firm does have drawbacks. From a high sign up fee of $189 to no guarantees, the firm gives potential clients reason to hesitate before signing up. Below are a few additional drawbacks to using National Credit Care for your credit repair needs.
NCC has no licensed attorneys on staff. A lot of other companies in the industry have licensed attorneys on staff who work on the actual accounts, providing a level of expertise in the credit repair industry.
National Credit Care doesn’t offer a money-back guarantee on their services.
The firm doesn’t provide detailed program information or deletion proof on their company website.
Frequently Asked Questions
How much does National Credit Care cost?
National Credit Care has a free consultation available for you to determine whether seeking credit counseling help is in your best interests. If you decide to enroll, you will be charged every 30 days.
Does National Credit Care allow me to enroll more than one person or my whole family?
Only individuals may enroll as National Credit Care customers. If a spouse or second party seeks credit repair help, he or she will need to enroll separately.
How does National Credit Care repair my credit?
Once both you and National Credit Care decides it is best to proceed with a credit repair program, the company will immediately get to work for you. A specialist will begin contacting credit reporting bureaus to identify inaccurate and false information on your reports. The bureaus will then have 30 days to remove the charges.
How does National Credit Care provide credit monitoring?
National Credit Care will do a detailed analysis of your report and determine potential harmful issues with your credit. You will always be kept closely in the loop with where your score is.
How long will it take before I start to see results with National Credit Care?
National Credit Care does not say anywhere on its site what typical results are for customers; however, customer reviews report that changes sometimes don’t occur for up to a year, which is far longer than most credit repair companies.
What results can I expect from National Credit Care?
You should expect the company to remove those damaging items on your report that are bringing your score down. You should also expect honest, helpful advice.
How can I contact National Credit Care?
You can call toll free at 1-866-595-6313 to reach a National Credit Care representative.
National Credit Care has not published any statistical results.
In order to understand what your case looks like and whether using the professional help of National Credit Care, a consultation is critical. The consultation, however, will cost you $189. There is also a monthly fee.
Your first payment will come five days after your enrollment in the amount of $189. From there, payments will be due every 30 days.
No Money-Back Guarantee
If you are not satisfied with the service you receive from National Credit Care, you may cancel your enrollment at any time; however, you will not get any money back for the month in which you cancel.
How it Works
National Credit Repair operates a credit repair process used by similar financial services companies.
Step #1: Contact and Analysis
Consumers are encouraged to contact the company either by phone or online. The company will explain its services and what to expect. A consultant will analysis the credit report and develop a customized plan with the consumer.
Step #2: Verification and Payment
Consumers will be required to provide National Credit Care with standard personal information in order to begin the credit repair process. When this information is verified, consumers will be charged the $189 consultation fee along with the monthly fee before the dispute process can begin.
Step #3: Dispute Process
The company will send out drafted dispute letters to the 3 major credit bureaus. While waiting for a response, the consultant will work with the client to develop positive credit habits to help boost the overall credit score. When the investigation is complete, the consumer will receive a response from the credit bureaus within 30 days.
What to Expect when Signing Up
The sign-up process is quite simple. It all begins with the consultation and the determination of whether your case merits National Credit Care’s help. Enrollment may take place online is a few short steps, including basic personal information.
What Can Be Removed?
National Credit Care is not able to remove legitimate information from your account, just those erroneous items on your report. Some of these false items include the following:
- Late payments
- Tax liens
Once these items have been removed, you can have the peace of mind and confidence that your financial picture is more secure and that you have more purchasing and borrowing opportunities.