National Credit Solutions is a credit repair company that has been operating since 2006 and is headquartered in McKinney, TX.
Results are important when it comes to choosing a credit repair company, and National Credit Repair attempts to provide the customer with plenty of that. Testimonials directed to particular consultants are included along with a webpage dedicated to improved credit reports. It should be noted, however, that it can be hard to test the legitimacy of customer testimonials, even if it’s a video or audio clip. But again, National Credit Repair also seems dedicated to alerting the customer of their legal rights in the credit repair industry, which is a good sign of legitimacy.
National Credit Solutions has a web page dedicated to showing dozens of examples of improved credit reports from past customers as recent as November 2015. Deletions are highlighted on each of the forms.
Information on Credit Industry
The company provides links to government websites explaining credit and credit repair law. A company that alerts their customers of their rights as consumers is typically a good sign of legitimacy.
The fact that National Credit Repair doesn’t offer upfront information on legal expertise, pricing, or a money back guarantee doesn’t compare well against other industry competitors. Many credit repair companies will give you multiple pricing plans upfront along with a free consultation. It’s also ideal to have licensed attorneys on staff because much of credit repair takes place through legal processes, and some customers may want to have legal representation if problems arise.
No Licensed Attorneys
Although National Credit Solutions has a team with lots of experience, no one on staff is a licensed attorney. This can be a concern since much of credit repair is done through legal processes.
No Upfront Price Information
Potential customers must schedule a consultation in order to gain information on pricing. The consultation is free, and requires the customer’s name, email, phone number, where they got referred from, zip code, and comments/questions.
No Money Back Guarantee
No information was given on National Credit Solutions’ website regarding a money back guarantee, so it can be assumed that there isn’t one.
Frequently Asked Questions
How much does National Credit Solutions services cost?
National Credit Solutions does not post packages and prices on its website, rather, the company prefers to speak to potential customers first. A credit consultant will review your credit report and point out the best possible package that will help you reach your credit goals. When speaking to a representative it was explained that National Credit Solutions have five different plans that start cheap and go to expensive. It depends on what is on your credit and what it will take to reach your goal.
Does National Credit Solutions allow me to enroll more than one person or my whole family?
No, National Credit Solutions does not have a couple or family plan.
How does National Credit Solutions repair my credit?
The research and processing staff will help find inaccuracies on your credit report. Having a FDCPA compliance department is what the company believes sets it apart from competitors, and this department helps clients with settlements and repair their credit simultaneously.
Does National Credit Services provide Credit Monitoring?
No, National Credit Solutions does not offer credit monitoring,but hopes to offer it in the near future.
What results can I expect from National Credit Services?
Clients can expect a team of experts in the credit repair field to work on your case. Using the company’s financial expertise to provide you the proper training and education you need to know on how credit really works.
How can I contact National Credit Solutions?
Phone: (214) 504-7100
Email: [email protected]
Address: 2035 Central Cir Suite 110 McKinney, Texas 75069
Storefront location is open Monday–Friday 9:00 a.m.–6:00 p.m. (lunch from 12:30 p.m.–1:30 p.m.). Evenings and weekends by appointment only.
This email is a general email for the company. If you view the company directory, you will find emails that will reach each consultant individually.
National Credit Solutions is registered with the Secretary of State in Texas and maintains a $10,000 Surety Bond for the protection of its clients. You can see first hand results from clients on their website by visiting “Testimonials.” Testimonials are broken down into four categories- written, video, photos, and results.
National Credit Solutions has five plans to help you best meet your needs. You will discover the prices and information regarding each plan after your initial consultation. On the website’s Services page it states that some services may incur additional fees
How It Works
Before you go to signup here is a few things to expect before you visit National Credit Solutions website.
- National Credit Solution is a full service company.
- The company is the leader in credit repair in the state of Texas. If you are looking for services outside of Texas, this will not be the company to handle your credit improvement process.
- The average clients receives $2,500 in a settlement cases.
- FDCPA compliance department sets National Credit Solutions apart from other credit repair companies.
- The company offers an array of services including home purchase coaching, auto purchase coaching, budget programs, debt recovery services, debt settlement coaching, debt management, collection settlement coaching, credit bureau standardizing, continuing education services, and valued partner referral listings.
What to Expect when Signing Up
Step #1: Contact National Credit Solutions
You can contact National Credit Solutions by phone or by submitting the online free consultation form. NCS wants to determine your financial and credit goals at this time. This initial free credit evaluation and consultation will take about 15 minutes of your time.
Step #2: Review Credit Report
National Credit Solutions will pull your credit report and review it for you. This process will determine all the factors necessary for you to reach your goal.
Step #3: Find a Credit Design
You will be presented with a potential credit design to help you accomplish your credit goals.
What Can Be Removed?
National Credit Solutions are able to remove any false or incorrect information on a customer’s credit report. With a FDCPA compliance department that handles consumer collections, National Credit repair also employs a MultiPhase System to produce industry-leading results addressing the following:
- Slow pays and late payments
- Liens (paid or unpaid)
- Judgments (satisfied or open)
- Bankruptcy (dismissed or discharged)
- Charge-offs (paid or unpaid)
- Identification inaccuracies