Name: National Credit Care
Rating: 3.1

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katie funk Chicago, IL

I never write reviews but I feel in this case, I need to and if you're going to rely on a review, please rely on this one. Clients I worked with were referred to this company and if I could give 0 stars, I would. Working with NCC will be a waste of your time and money, they are a scam and will not actually do anything to help you improve your credit score. They are more concerned with receiving a monthly payment from you than helping you improve your credit score. And not only that, they refer you to a third party to obtain your credit report, privacyguard.com, where you can enroll for $1 for the first 14 days and then $19/month after (on top of what you're paying NCC). Then, they want your log in credentials for that privacyguard account so they can access all of your information. Being a credit repair company, I would think NCC should have the ability to obtain your report for you and the cost would be included in what you're already paying to them monthly. If you decide to work with this company, you will be paying upwards of $100+ per month PLUS their enrollment fee. For free, you can go to the Federal Trade Commission's website, bulkorder/ftc.gov and view the publications available to all consumers on Credit & Loans. You will find useful information and guidance about how to improve your credit score on your own. Please don't make the same mistake my clients did. I hope this can save people from having a terrible experience.

6 years ago

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AM Chapel Hill, NC

While initially pleased with their efforts, looking back on it now I am very very unhappy with them. 1. In order to drag out the timing of their monthly billing for "being in the program" they only sent requests to 1 credit bureau each month, rather than all at once. 2. After multiple requests to stop their service and "get out of the program" they continued to keep me in, saying that my email request was not sufficient-- I needed to provide them with a credit report that showed their work had been done.... 3. Multiple calls to them produce no connection -- they don't pick up, the person I spoke with before is gone, they don't return calls, etc etc. 4. When I started the program, they told me "about a month" will be done. It's now four months later.... and getting away from them required kicking and screaming on the phone today.

6 years ago

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Meghan Leston Brooklyn, NY

Awful, Awful, Awful. The only reason I gave them one star was that google required it. They did nothing for my credit. I constantly tried to call them and never got anywhere regarding the process they were actually going through. Not once did I receive communication from the credit bureaus regarding ANY deletions. Two months after I canceled "Item Y Disputed by Consumer" started popping up on my credit. We were about to close on a mortgage, process was delayed because of their careless methods used...which resolved nothing for me. I spent 15 hours on the phone with experian and creditors to fix the problem. When I requested a record of every communication with creditors from them, they said they could not do that because it would give out their "trade secrets". Save yourself a great deal of aggravation and time and DO NOT USE THEM.

6 years ago

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Monique Pioneer, CA

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!!

7 years ago

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Cara K Easton, PA

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 years ago

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Jo Nicholasville, KY

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.

8 years ago

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Rachel Bothell, WA

National Credit Care is a JOKE. First off they should probably consider taking care out of their name entirely. The employees are far from professional and have no sense of service recovery. I was told to use National Credit care from my broker who has successfully worked with them in the past. I needed 20 more points to qualify for my home loan and he said this will be a quick fix. The first representative I worked with was actually pretty nice. The services were provided and just after one month I was where I needed to be. (In one month they took off 2 Inquires from my report) When I contacted National Credit Care to cancel this is where the problems started to occur. If you call them except to wait on hold for 5 to 10 minutes before you actually talk with anyone. And they ALWAYS place you on hold if you ask a question to ask someone who actually knows anything - This is at least 5-10 more minutes. I explained I needed to cancel the services and the man said things like “Your credit is in bad condition you shouldn't be cancelling" and "Nobody cancels after just one month why are you?" I said to cancel again I already got the home I wanted and that's why I needed the services. After I got off the phone I got another call from National Credit Care and again they were rude trying to make me stay. Now another month later I got billed for services I didn't use and I had to phone to cancel. The girl who answered this time was by far the rudest out of all of them (Chritina Gallegos?) She didn't apologize for the error of my credit card being charged again and was simply short and uninterested. I was placed on hold for a long period of time and then told they could send me a check. I said that was not acceptable that she needed to place it back on my card because they took it directly out of my account. She said fine that will take up to 5 days. Why I have no clue again Lack of training and just plain rude. I'm glad I don't have to ever call again. I recommend nobody uses this service. It's a hassle.

10 years ago

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James Goodman Concord, CA

They were very nice and up front about the process and time it would take to rebuild my credit. They worked with me and created a plan that fits my life and spending habits. Never any pressure but honest about my credit situation and how to make it better.

1 year ago

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Ebonique Butler Jonesboro, AR

SCAM!!!!!!!! All they care about is getting your money monthly. They do the bare minimum. I paid them for two years like a dummy and my scores didn’t improve until I started to pay things off and applied for credit cards and kept my utilization low. I called to cancel my account and they continued to draft the money from my bank account. All that time with them they literally didn’t help improve my score at all. Total waste of money and time. PLEASE DO NOT FALL FOR THIS COMPANY AND THEIR LIES!!!!! They will not help improve your scores but will continue to take your money.

1 year ago

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Dream Like Mya Hayward, CA

Jules was very professional and took time to answer all my questions. Thank you so much for everything you’re doing!!!!

1 year ago

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Travis Conner Denver, CO

They over promised and underdeliverwd I paid 5hem for over 10 months. When I canceled. I was threatened that all of the work done will be reversed. Up one further research the also own Continental Credit The Bradburn GroupHome Loans Assist , and Riverstone Law. If they are not a complete RIP off why do they have so many companies with poor reputations?

3 years ago

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HotOlive Oak Harbor, WA

They told me I would have an agent contacted me within 24 to 48 hours. After 20 days I decided to call them to find out what happened. They said oh I am surprised that no one got back to you. After some time talking with whoever was on the phone she told me that I had to pay another $99 fee to continue services. I was told on the phone that it was $99 per month and that I could cancel without penalty at anytime. They wanted to charge me $198 and this was in month one. I disputed the Second charge and paid first. I was really very unhappy with this company.

4 years ago

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Kim Midland, TX

This company initially seemed like they were helping but after several follow ups I made over 18 months of paying them, things really were not changed all that much. A few things were resolved, but over all I was told whenever I called (and mind you I always had to call, I was not ever reached out to) that this and that had been done or they were in the process of an investigation etc. etc....trying to keep me thinking that I was getting great results when I was not. An expensive lesson learned.

4 years ago

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Africa Tate Simpsonville, SC

It's very unclear what this company does . I could never get a clear answer about what type of progress they were making. I was told every week that I should receive information in the mail, only to never receive anything. This company seems a bit sketchy to me. The gentleman was not very happy with me because I wanted to cancel the service. He told me ," Good luck on getting your mortgage loan!" I found it quite ludacris!

5 years ago

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Daniel Gardner Tomball, TX

HORRIBLE COMPANY!!!! STAY AWAY!!!! I hired them back in January of 2017. I saw a slight improvement in my score then it went flat with no up or down. I kept calling them and inquiring about my score but ALWAYS received the same scripted response....."You next round of investigation JUST went out". Total scam to keep you paying!!! I just cancelled and they want to charge me another $99 for investigations that they CLAIM just went out but can show no actual proof that they have done ANYTHING on my case for months!!!!

5 years ago

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Scott Benton

Liah D had been very helpful in explaining what we need to do to help repair our credit!! Very understanding and patients!

5 years ago

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John Anderson Anchorage, AK

Service sucked. They managed to have something that should not have ever been on my report removed. But trying to get off their service is next to impossible. Despite telling them I didn't need their service any longer, they just kept charging anyway. And to justify it, they sent me other peoples credit reports. God only knows who has mine now, thanks to NCC !!

6 years ago

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Bread of Heaven World Outreach Center Apex, NC

Worst service I've every had. I'm going back to Lexington Law! The only time I'm contacted is when I don't authorize payment for the month. They will call you if they don't receive payment but never can get a clear answer to what has been done to improve my score. After 9 months no improvement! I don't care how personable this company is. I need results! Honestly, anything that was removed from my credit, I've done it myself. They are definitely the worst company ever.

6 years ago

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Felicia Katy, TX

This is a money scam. National Credit Care is not consistent with results, and can't explain any of the credit issues they directly worked on. I was lied to and got the run around several times. They have inquiries removed, which reappeared in a matter of weeks. National Credit Care can't guarantee removals and instills a sense of false hope for costumers monthly just to get your money and string you along. They did not work on anything else. Honestly, anyone can repair their own credit with creditors and the bureaus for free. Don't fall for this scam.

6 years ago

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Wendy Lynnwood, WA

This is NOT a quick fix! I've been with them for almost 2 years and every time I tried to end the service, they would tell me they 'almost had the file' fixed. My credit scores have barely moved. Today I canceled the service over the phone and it was a high pressure sales pitch to try and keep me paying the fee every month ... I told them NO! Do not sign up for this!

6 years ago

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John Post Falls, ID

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.

7 years ago

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Sherell Washington, DC

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

7 years ago

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Russ Ratliff Tacoma, WA

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

7 years ago

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Olga Jacksonville, FL

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 .

7 years ago

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Joseph Hutchison Seattle, WA

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

8 years ago

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Suzanne La Habra, CA

Just signed on with Bryan. Promised that is score has not improved in 3 months, he will work on it for 6 months free. He has been very helpful, and has answered all my questions. will update

9 years ago

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S. Gordon Zion, IL

I want to say that I have been working with National Credit care since March 2013 and I am pleased to say the results I have gotten so far is to my standards.

9 years ago

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Eugene Jones

This company is selling a product that anyone can do by contacting the credit companies directly. I tried to cancel my account and was told that there would be a cancellation fee of $69.00. this is a shandy company, read the fine print. Do not waste your money.

5 years ago

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Timika Kansas City, MO

The customer service rep Liah D was very Professional and helped me efficiently! I'm so grateful for this company

5 years ago

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Nathaniel Brown Louisville, KY

Liah D was very helpful. Probably the most helpful out of all the reps I have spoken with since I became a member a year ago.

5 years ago

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Will Williams

Called National Credit Care today and spoke with Liah D she was very helpful and professional, would recommend her.

5 years ago

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Adina Waer Lake Oswego, OR

My husband and I signed up for their services 3 months ago, and $600 later, we haven't seen anything. This is a scam and they are scum. Taking money from people trying to improve their lives. Shame on them, DO NOT GO WITH THEM. IT IS A SCAM!!!

5 years ago

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Meghan Leston Brooklyn, NY

TERRIBLE company. They did not respond in timely manner to my concern nor do I think they actually do Anything. I signed up and two months later have yet to receive any documentation that they have done anything. Every time they call they tell me they have sent letters, but they are busy. Don't waste your money. DO NOT WASTE YOUR MONEY.

6 years ago

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Julie Columbus, OH

Systematically received credit bureau reports so I know the were doing something but what that something was remains in question. No changes in my scores in over six months so I attempted to cancel the service. Cancelling was a nightmare and took nearly four months and included calls, emails and even written letters.

6 years ago

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Joseph Hutchison Seattle, WA

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.

8 years ago

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JB Encino, CA

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

9 years ago

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Joseph Hutchison Seattle, WA

I signed up for national credit care November 2013.Its now February 26th 4 months later almost 5 months and nothing has changed.My score is the same and nothing has been removed.I will be patient by the end of march I will put another post up to let everyone here know if this service works or if it's a waste of time&money.

9 years ago

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L Turner Avon, IN

Great customer service and quality product. Happy with the price and help I received to repair my credit.

11 months ago

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Jesus Garza Houston, TX

Everything was perfect and I would recommend NCC to anyone trying to build credit.

1 month ago

Reply from National Credit Care

We truly appreciate that so much. Thank you!!

Feb. 24th, 2023

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Duramax

This place is a joke all William kleespies does is harass you via email and voicemail after you tell him that you do not want anything to do with NCC a.k.a. rv credit repair company

5 years ago

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Edward

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"

7 years ago

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Tabitha Jacksonville, FL

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.

7 years ago

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Buzz Puyallup, WA

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

7 years ago

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Joseph Hutchison Seattle, WA

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.

8 years ago

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shawne bradley San Francisco, CA

The National Credit Card's website was easy to navigate and very useful for finding out information

11 months ago

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Michael Chicago, IL

Amazing and helpful very knowledgeable and has a beautiful voice

1 month ago

Reply from National Credit Care

Thank you!

Feb. 24th, 2023

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Robert Hartman Evansville, IN

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.

7 years ago

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jon k. Manteca, CA

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.

8 years ago

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Joshua Carter Mobile, AL

They made great progress on my credit score

1 year ago Edited January 16, 2022

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Rhonda S Fradette Asheville, NC

This is motivating to have someone cheer you on !

5 years ago