National Credit Care

• 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.

• 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.