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National Credit Care Review

National Care Credit is a company that focuses on removing negative information from your credit report if that information is either inaccurate or unverifiable.

By completely eliminating negative entries, particularly collections, they can generate a maximum improvement in your credit scores.

They’ll work with you on a one-on-one basis – you and a live representative. Unlike many credit repair companies, they don’t rely on automated systems to do much of the work.

The company has been in business for 14 years and has a high rating by the Better Business Bureau.

Table of Contents:

  • About National Credit Care
  • How National Credit Care Works
  • Features & Benefits
  • How To Sign Up
  • Pros & Cons
  • Is National Credit Care for You?

About National Credit Care

National Care Credit is a credit repair company dedicated to helping consumers correct errors, inaccuracies and fraudulent entries on their credit reports. They work with both your creditors and the credit bureaus so that you don’t have to.

And one thing they pledge to do is to have their representatives work directly with you in the credit repair process. Unlike many credit repair companies, they don’t use automated systems to do most of the heavy lifting.

And their staff is completely US-based – they don’t outsource services. Their staff is both full-time and in-house.

National Care Credit even works directly with mortgage lenders to help their clients improve their credit scores. It’s entirely possible you’ll be referred to the company if you apply for a mortgage, and have credit problems that need to be worked out.

Based in Westminster, Colorado, National Care Credit was founded in 2005. The company has a Better Business Bureau rating of “A+” (on a scale of A+ to F) and though the company is not BBB accredited, the Bureau has been monitoring them since 2006.

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How National Credit Care Works

The National Care Credit process starts with a free consultation. This can be requested either by phone or by completing a very brief online questionnaire. You’ll speak with a live consultant who will help to determine your goals and set expectations.

If you decide to go ahead with the service, they perform a credit analysis. That will involve a credit repair consultant doing a line by line review of your credit report to identify entries that require repair.

The representative will even provide a detailed explanation of the items on your credit report to help you better understand both the entry and what’s involved in fixing it.

Remove Reporting Violations

To repair your credit, they start by concentrating on removing “surface errors”. These can be identified by missing information. For example, a negative credit entry may be missing important dates, account numbers, or even the name of the original creditor.

Those are reporting violations, and they can usually be removed by disputing the entry with the credit bureau.

National Care Credit will then challenge inaccurate information through the credit bureau. The bureau will have 30 days to investigate the dispute. If the creditor is unable to verify the information, the bureau is required by law to remove the entry from your credit report.

Remove Bogus Collections

National Care Credit will specifically work to remove bogus collections from your credit report. That involves multiple rounds of investigations and requesting verification of questionable and unverifiable entries on your credit report.

If the bureaus are unable to verify the reported information to be 100% accurate, they must delete the collection by law. This is one of the major ways the company works to improve your credit score.

They do advise that different credit errors will require various time frames to complete. If a derogatory entry on your credit report is disputed with the credit bureaus, the bureaus have up to 30 days to respond to the challenge.

But that could prove unsuccessful, and effort will need to be made directly with the creditor. That will add additional time to the process, and may take several months under certain circumstances.

National Credit Care Features and Benefits

  • Availability. All 50 states, including the District of Columbia.
  • Customer service. Available by phone and email. You can also access your account online 24 hours a day, seven days a week.
  • Credit score updates. Provided regularly to help you monitor the improvement in your credit scores.
  • Pricing and fees. National Care Credit charges two fees. As of 12/24/20, the first is a $189 credit report consultation fee collected during your credit analysis. After that, there is a monthly fee of $99 which is billed in arrears. The upfront fee is collected five days after you sign up, then the monthly fees are billed in 30-day increments thereafter.

How to Sign up

Once again, you can sign up with National Care Credit either by calling the company directly or by completing a brief application online.

You’ll be asked to provide the following information:

  • Your name
  • Email address
  • Telephone number
  • Best time to call
  • If applicable, the name of the person who referred you

You can then write in a message providing a brief explanation of your situation.

To verify your correct identity, you will also be required to provide your social security number, billing information, employment and any aliases you’ve used in the past. Any of this information will be necessary for correcting inaccuracies on your credit report.

The $189 upfront fee will be billed after five days. Once that payment has been received, you’ll be provided with written confirmation of your sign-up and any documentation required by law.

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National Credit Care Pros & Cons


  • Representatives are on staff to help you with credit resolutions. They are 100% US-based, so your call won’t be rerouted to a foreign call center.
  • The company website provides a wealth of credit-related information. It will help to educate you about how credit works, how it can benefit you, and what you can do to improve it going forward.
  • They work directly with both creditors and credit bureaus, so you won’t have to.
  • A+ rating by the Better Business Bureau.


  • National Care Credit charges both an upfront fee and a monthly fee. You’ll have to measure the cost of the service against the errors you’re looking to remove from your credit report.
  • No guarantee is provided that the service will successfully remove credit errors or improve your credit scores.
  • National Care Credit is not a law firm, and they do not have attorneys on staff. That can be a problem if one or more creditors prove uncooperative.

Who National Credit Care will Work Best For

National Care Credit will work best for those who have significant errors in their credit reports. The company specializes in removing such information, often just on the basis of inaccurate reporting by the creditors.

They’re particularly strong with removing collection accounts that either doesn’t belong to the consumer or don’t provide complete information.

The downside with National Care Credit is the fee structure. The $189 upfront fee may be a steep cost for someone already burdened by poor credit. And since certain errors can take several months to remove, the monthly fee of $99 can add up over time.

National Care Credit is on the higher end of the fee range among credit repair companies.

The other two major concerns are the lack of a guarantee of success in the absence of legal representation. While it’s true no credit repair company can guarantee results, you can spend hundreds of dollars in fees with the company, with no recourse if they are completely unsuccessful.

Meanwhile, legal representation can be critical in the credit repair universe. There are some creditors who only respond to communications from knowledgeable credit repair attorneys.

If you’d like more information, or you’d like to sign up for the service, check out the National Credit Car website.

National Credit Care