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National Credit Care

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4.7

Overall Score

LAST UPDATED: September 23rd, 2023

National Credit Care is a Colorado-based credit repair company that focuses on helping consumers become mortgage ready.

The National Credit Care team strictly operates in the United States and claims that each client's account will never be outsourced.

In addition to a free credit consultation, National Credit Care works with the three major credit reporting agencies and creditors and strives to provide a personal approach to credit repair services. According to the company's website, National Credit Care does not use an automated dispute process/system.

Read on to learn more about National Credit Care's credit repair process and to see verified customer reviews. 

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The Good

  • Free Credit Analysis
  • Ongoing Personalized Credit Advice 
  • Customer Service 
  • Educational Credit Resources 

National Credit Care strives to provide a personal touch to their credit repair clients by not utilizing an automated or pre-determined credit repair process.

The firm has a few other credit repair service benefits:

Free Credit Analysis

As previously mentioned, National Credit Care offers a free credit analysis to all potential clients.

This free credit report analysis includes connecting consumers with a live credit consultant over the phone or through email to discuss credit reports, credit score goals, creditors, credit counseling needs, payments, and more.

Those interested in this free credit analysis can call a company representative directly and/or can fill out the contact form on the company's website to get started. 

Ongoing Personalized Credit Advice 

 While most repair companies focus on credit disputes — which only influences payment history and payment history is only 35 percent of a credit score — National Credit Care's advisors will work with consumers to maximize every part of their credit score. 

Customer Service

All of National Credit Care's customer service representatives are located in the United States. The credit restoration company states that its customer service team is available to help clients at any time.

According to the company's main website, National Credit Care follows a confidentiality agreement in regards to client information its staff receives.

Educational Credit Resources

National Credit Care provides a wide range of educational credit resources on its website for customers and other website visitors to take advantage of in addition to its credit repair service.

These educational resources range from credit score and credit report tips to secured credit card information, financial tips, and general consumer credit information.

The company's website also includes information regarding mortgage loan credit repair and collection services.

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The Bad

  • No Licensed Attorneys on Staff
  • No Money-Back Guarantee 
  • Lack of Transparency 

Although National Credit Care has its benefits, the firm does have a few drawbacks that potential clients should note.

From a high sign up fee to no refund guarantees, the firm gives potential clients reason to hesitate before they sign up and pay for credit restoration services. 

No Licensed Attorneys on Staff

National Credit Care does not appear to have any licensed attorneys on staff.

Meanwhile, many other repair companies have licensed attorneys on staff or access to other attorneys who are available to help clients with their actual accounts and provide relevant legal advice, which provides an upper level of expertise and care in the credit repair industry.

No Money-Back Guarantee

Unlike many other credit repair providers, National Credit Care does not appear to offer a money-back guarantee for its credit repair services. This means that even customers who do not see improvement regarding their credit scores may not be able to receive a refund.

Lack of Transparency

The credit repair firm does not seem to provide detailed program information or proof of successful deletion work with credit reporting agencies regarding consumer credit on its company website.

National Credit Care also does not seem to disclose information on cases when disputes are not accepted by the credit bureaus and fails to disclose how much its credit repair services cost as well as how long the process could take.

Other companies in the credit repair industry explain that their credit repair processes can take weeks to months depending on the client's credit situation.

Those who want to learn this information may have to contact the company directly via phone, email, or by filling out the company's online form. 

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The Bottom Line

National Credit Care strives to provide a personalized approach to credit repair while maintaining a client confidentiality agreement. 

The business offers educational credit resources and a free consultation that includes the analysis of each client's credit reports, providing credit counseling, and creating a credit repair plan. 

National Credit Care also often works with creditors as well as the major credit bureaus to improve clients’ credit scores and overall credit health.

The company, however, does not seem to have any licensed attorneys on staff and does not appear to offer a money-back guarantee like many other credit repair companies. 

The company's lack of refund policy may worry clients who do not see any positive account results/credit score improvements. 

In addition, their lack of transparency, lack of financing options, and high sign up payment are cause for concern. We recommend viewing and researching all of your options for credit repair before making a final decision.

View Best Credit Repair Companies

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Star Rating

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3.1

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106 Reviews

Review Breakdown

5 grade

45%

4 grade

5%

3 grade

3%

2 grade

4%

1 grade

43%

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Janna

I have been very happy with this company, you just have to stick with it. I've had quite a few things removed, including tax liens, which is awesome! I had thoroughly tried to dispute everything before hiring them, including sending everything via certified mail. It's time consuming and pricey(if you use certified mailings) to do it yourself and you only get so far. You could save yourself some money by doing that first and hiring these guys, but I really enjoy letting them do the work! I spent a couple months of my free time working on this before hiring them. Yuck! I have read that it is not good to bombard the credit bureaus with disputes, so it makes sense that NCC only does so many at a time, you should only have so many openly disputed items at a time. Be patient, and see what they can do for you. I'm glad I did!!

6 years ago

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Nicole Powell Davison, MI

I started in April with this company , I am very happy so far with the results ! They are very helpful . I would like to thank Kylie K for navigating me today thru my report .

5 years ago

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Review Source

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James Goodman Concord, CA

Customer Review Video

2 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.

10 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.

6 years ago