I would NOT use them . They opened a can of worms and than tell you to pay the companies off you are in debt with . Than have the audacity to ask for you to email them the paper after you paid and took care of the debt company yourself . You basically work for them and you do your own credit building. We're already canceling with them and I hope this process doesn't take long . Ridiculous you mid as well you the money you pay them to pay your stuff off . I wish you could have heard the conversation we had with the representative. She was basically repeating herself about how I don't understand credit and debt . Just save your money . I'm sure there are better companies than this . read more

Horrible Service. Frauds. Did NOTHING. DO NOT ENGAGE THEM. BEWARE ESPECIALLY OF "DANIEL WRAY". They promised me to only charge automatically for 2 months and then get my consent to continue. To my surprise I was being charged for last 6 months for me and my wife both with 0 impact on our credit report remarks. When I raised the issue they just showed me the online contract that contradicts what their sales representative told me when taking down my credit card number over the phone. read more

Awful service. Awful people. As all of the other reviews state. They promise the moon with regard to your credit repair and fail to deliver. They provide no documentation about what concrete steps they have taken with any of the credit bureaus. I tried to cancel in September and the pressured me into staying for a lower price. The agent offered a reduced price and turned it was only valid for a month. They repeatedly ignore requests to cancel. They charge your account after you request to cancel. Awful business. Run away from them as fast as you can. read more

Like everyone else said "Do not use!" I signed up for them based on a recommendation from my real estate agent I was working with. They have take my money for both my wife and I and I have seen very little improvement. I have sent emails, waited on hold, and also Postal Mail to cancel my account. They refuse to do so in a high pressure sale over the phone, almost as bad as a time share sale! In 1 day they ran my card over 2 dozen times. My bank finally froze my account because they thought my card was compromised! I finally cancelled all my credit/debit cards linked to my account with them. Save your money read more

This company is a scam! I paid them for many months to work on my credit! They continually promised results and/or made excuses as to why I was NOT seeing results! Finally, I was fed up and cancelled! Even after I cancelled...they took money out of my acct! DO NOT WASTE YOU MONEY! THEY ARE HORRIBLE! read more

I signed up with a recommendation from a realtor. I signed up in January. As a result, several items were removed from my credit report. And my score improved. That led to me closing on my very first new home in July. They don't have the tech such as webpages, etc for you to keep an eye on your account. But they are helpful when you call to get updates. So, I guess that saves money. I feel that's what turns people off to them. Would I use them again? YES Would I recommend them to others? YES & have. read more

********************************************************************* *****CHECK GOOGLE & FACEBOOK REVIEWS FIRST****** ********************************************************************* This is why I hate Yelp. Honestly I used Merritt personally about 6 years ago. And she took 22 negative items off my credit report! She is my go to credit repair gal and I can't vouch for others in the company but I can vouch for her and her team. She has not only helped me, my family and friends but when I became a real estate agent, she helped tons of my clients as well! Thank god I ran into the right person at the right time. Because I never had to deal with what others had to go through. And I wish everyone would have had the same experiences my family, friends, clients and I have had. Don't let those untrustworthy companies or individuals ruin it for the good apples. Thank you, Merritt & Team! You guys are always amazing! read more

RUN. Don't walk away from this racket of a company. Natalie Baez is the most unprofessional and incompetent person I have ever had the displeasure of coming across. I hired them to investigate ONE issue on my credit report. Not only did Natalie call me to tell me to authorize more accounts on my file, but she ARGUED with me when I would not. I cancelled my contract soon after signing up because I had ONE issue I needed work on. Natalie said they needed a minimum of 90 days to see results. This was NEVER disclosed to me before hiring them. They didn't even provide services for the full 30 day period I paid for. I do not believe they even sent letters to the credit companies. When I asked for copies, she refused to send them to me. DO NOT TRUST THESE PEOPLE !!!!! They are not ethical and will try to keep you in contract for as long as possible without any evidence of even working on your behalf. I wish Yelp had negative stars to give, that is how disgusted I am with Natalie and NCC. read more

Very disappointed. They claimed to do so much and at the time of registration but after charging for months could not deliver. Credit score went down mostly and they had the nerve to keep the last payment for next month. Advise, be honest with your customers and stick to one story. Don't promise something you are not capable of delivering. read more

STAY AWAY!!! So like all the others I signed up to only get a few things taken off my credit. I don't have bad credit but was sold on that I would get into the high 700 simply by having the few negatives removed off my credit. So I paid $149 to sign up and was told I will have to pay $99 till its cleared up. I was told and in my contract its states 30-45 days and all results will be sent to me. I have been signed up for 60 days and still nothing. I am now told a completely different story then at the beginning, now they tell me that the disputes are sent out in rounds. so it will take multiple more months so that means more money more money. Just understand that they will be charging you every month to do as little work as needed to keep you paying every month. STEER CLEAR of NCC! read more

Tony Chiarelli has been helpful, ready to explain things when I had questions about the process, and encouraging. He makes you feel like you're not alone in the process. Hoping to start seeing results soon. I've only been with them for one month so I'm still early in the process. Will let you know how it goes as time goes on. UPDATE: I paid $95/month for 8 months. Each time I called to cancel, I got someone convincing me to stay. The last time, they even lowered my premium to $56 per month and said they hate to see me lose the momentum they've started. I found out that every month they were sending requests to the credit bureau's about the exact issues I asked them not to question. I spent over $1000 to get only one item removed from my credit report - and my credit score isn't any better than it was when we started. read more

If you're wanting to do business with a company that cares about the financial well being during a crisis like Covid 19, this is NOT the company. I have suffered a loss of income during the COVID crisis and when I spoke to a representative a couple days ago she said that it was ok and I could pick up the payments when I was ready at no penalty. Then two days later they withdrew their monthly fee of 79.99 from my account. When I reached out to them within an hour of the charge coming out of my account the rep that I spoke with said they understood and would be able to process a refund. He put me on hold for about 10 minutes and then came back to say that they were really busy and I would need to call back. I called back a couple hours later and was put on hold 4 times by three different representatives before I finally got tranferred to the same rep I had previously spoken with. (Also having to verify my information repeatedly). When he came to the line he said he was sorry but that they would not be able to process the refund. Considering that the rep I spoke with a couple days ago said she understood the Covid crisis on income and that I could pick up payments whenever I was ready, this was a bit of a shock. Especially with a company that has such a good review on Google. Perhaps they are only good when they are processing payments. The fact that I was told it was ok to put it on hold, then had my account drafted within 48 hours, then told that I could get a refund, then ran around to multiple reps only to hear that I could not get a refund was baffling. I then told the rep that I was either going to cancel my account entirely, or get my refund and put the account on hold until my income was back to normal. He spoke with his supervisor one more time and they still told me the same thing. No refund. This was grocery money for me! I maintained complete calmness on the phone throughout the multiple transfers and my situation is clear as day. Yet, National Credit Care, ironically, doesnt care. He then told me as I was cancelling my account that I would be drafted one more payment later this month. I kindly told him to let his manager know that they would not get any more money from me. I am on the phone with Bank of America now to ensure they arent able to steal any more money from me. Advise to the CEO, take "Care" out of your company name. Clearly you don't care. read more

Well my experience is that I've been with this company for about 3 months, and I've seen a serious transformation in my credit reports. I didn't believe in disputes until this company showed me it was real. Also my credit score has gone up almost 50 point within the 3 months. Although I see that the company only does a few things per month. But for what their charging it's really worth it in my opinion. I'm going to hang around with this company and see how they do for at least a few more months and will update via yelp As of now I will recommend this company read more

Do NOT sign up with them. I paid 150 and never received any documentation that they did anything. I reached out to them only to receive patronizing responses. When they did get back to me it took them TEN days to even get to my file. You can do more on your own. Do not believe the nonsense that they sell you. read more

I would not use this company. There customer service is horrible and they refuse to cancel your subscription when requested. I have not had the pleasure of doing business with them. read more

National credit care did not live up to my expectations. They said they would call to discuss my account and they did not. After 20 days I called them. They were surprised that nobody called me to help me with my account. They also try to charge me $100 for accounts set up. They never told me about this feet when I sign-on. Look around at the other companies they are rated much better in my opinion. I failed to look at the ratings before I signed up. My bad. read more

Fraud!!! Dont use their "services" unless you have lots of time and money to waste! Below is what has happened, and what I have communicated with them. Today was the second pointless follow up call I placed to National Credit Care. Since starting with you roughly 3 months ago. I expressed my concerns re. the lack of progress you are making on my account. In this time you have only barely increased my credit score, my Experian credit report doesn't even show anywhere, and they removed only one bankruptcy rating! This is all in a 3 month period...almost 4! Basically, all "Anthony" did the whole time I was on the phone with him was to argue these points with me...."we have made a lot of progress, we actually got a BR removed..." When I commented to him about Experian not even showing, he played this down saying "you can see it on our website". Obviously I couldn't, otherwise I wouldn't have told him that. After I told him every concern I am having re. his company, his response was " I don't know what you are concerned about"!!! I asked him if he "hadn't paid any attention to what I just told him"!? His response was very much putting my concerns aside like they were of no matter to him. Anthony asked me to call back, so we could discuss this further. I told him absolutely not! I can achieve most of what you have achieved, already. (Too, per my first email to your company, I let you know that during the work week, I have extremely limited use of my phone. Email is best. This is something he is completely ignoring. Your company is as well because I have gotten several voice mails requesting that I "call you back".) I told him as of Friday, March 5th, you would no longer have any access to any of my finances. That is when I am discontinuing your service. The credit score I started with was roughly 670 - It is up 58 points Note: I get roughly 15 points each month, just for keeping my credit card balances low. So a lot of that increase is from me. There is no record of NCC reaching out to Experian at this time! If they have, it is without listing them. I also expressed my concern over the Experian Credit rating no longer showing at all ( on Credit Karma)! Note: This is something I discussed with the rep when I called last month, also. I told Anthony, today, I want proof they actually got in touch with Experian. I wanted a copy of that written communication. He refused, saying it is listed on the NCC website. Obviously it isn't. read more

STAY AWAY FROM THESE RIP OFFS !!! I was told that they would take care of all the bad marks from years back and that was never done.after months of no changes called to cancel they said they would but after saying they would stop billing me tried to get my money from them would not refund me back my $300. read more

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!!!! read more

If I could give NEGATIVE stars I would, make a ton of claims, take your money and run. Not a single communication from anyone, nothing ever came from the credit bureaus as warned. This company work as predators....RUN RUN RUN!!!!! read more

They were not able to remove an erroneous Comcast cable bill that was sent to collections without my knowledge. I gave them 7 months of my time/money. Don't waste your time or money with this company. read more

If you like being billed without your knowledge after you've been promised that you wouldn't, then these guys are the best.

One of the worst companies I've ever dealt with. They billed me religiously every month, but provided no reports or apparent progress. They are impossible to get a hold of, as nobody answers their phones, and their voicemail service is a joke. The only time I saw any apparent effort from them over ten months was when I tried to cancel my service with them, at which point they literally ignored the fact that I had fired them, and they continued to bill my credit card without authorization. I ultimately had to cancel that card, just to get rid of them. Seriously: There is nothing that this business provides that is worth dealing with them, much less paying them for. And under no circumstances should you give them a credit card number; if you deal with them, have them bill you monthly. read more

DO NOT USE !!!!!!!!!!!!!!!!!!!!!!!!!!!!! I was buying a motorcycle, trying to get financing, when I was directed to get my credit cleaned up from the lender. The loan officer had Nick contact me from National Credit Care stating they could get my credit to a score I could get the loan I needed. Nick then reached out to me. Nick stated he and his company could help get my credit score up to get financing. When Nick called we spoke about my credit, he spoke about what they could do. He guaranteed they would get my score to a 710 to 720 in 4 months if I agreed to pay them $450.00. I could not apply for any credit in that time. I agreed. They took my credit card information to charge me at the end of the 4 months. I agreed to that (IF) they could achieve that. Plus side for me::: My credit / debit card got stolen and had to cancel it. They no longer had my credit card to charge me for a service they did not provide. (Thank Goodness) Fast forward 8 months later my credit is a 540: Apparently Nick is not there anymore or at least not that I can speak to. Kimberly ( a new account rep who stated Nick was not their) called me and texted me in October on 10/22/2019 telling me that I was contracted by law to pay them for a service. I stated a service they never achieved. I stated the agreement I had with Nick. She stated that did not matter. When she reviewed my credit she stated I needed to keep my credit cards below 20% of the available credit and some other things. I asked her to prove they increased my credit score to the 710 to 720 that Nick agreed to. She said they could not and I could find that out on my own. Fun Fact: I belong to Credit Karma: I know when inquiries are or were made to my credit. After I refused to pay her she had another person call me repeatedly for over two months demanding I pay them. I still have not paid them nor will I ever. It is my opinion they do nothing and try and charge you for a service they don't provide. Be weary of the positive reviews. I would challenge from the research that I have done that several of them are employees of the company trying to give positive feedback. (Call their company and use the names attached to the positive reviews and see if they put you on hold to connect you) This company prays on people who want things and have bad credit. Although I don't know for certain, I would challenge that the lenders get a kick back for suggesting their service given how I was directed to them from a loan officer. They talk you into allowing yourself to be manipulated into believing they can help. Maybe they can // Maybe they cant // Maybe my case was the one off failure // all I can state is I was lucky to not pay them a dime. I would recommend anyone thinking of using this company. DO NOT PAY THEM A DIME until they prove they can help you. DO NOT PAY THEM UP FRONT for anything. Give them your debit / credit card, make note of the agreed date for them to remove your money for payment. Set a calendar date on your phone for a week before they are approved to remove the money, check your credit score and verify (For Free online :: Credit Karma) to see if they have done what they say. If they did not do what they agreed to /// contact your bank and change your bank card or credit card. It is super simple. Your bank and credit card will be happy you chose this path. The cost is so much more to dispute a charge then to just give you a new card. If you have accounts, electric, gas etc. connected to your card just call them and switch it over. (Yes a hassle but well worth it) Protect your hard earned money and pay for a service that achieves the results promised. read more

I'm having a great experience thus far. I had some questions and so I called. Rookie answered all of my questions. He was knowledgeable, thorough, and helpful with explaining everything that's going on with my file. He even suggested ways to increase my score while waiting. I looked at my credit while waiting on my results and noticed things falling off. I will post again with my final results. I'm in my first stage-3wks. read more

Waste of money and they will argue when you try cancel their service. I was referred to this company by my mortgage company. When i first spoke to an employee there, he guaranteed 20 points and 4 deletions in a month. After a month, i called for an update and they said they could not provide anything in writing, that i should receive notice from the credit companies. After 60 days, i had not received any positive changes in my credit report and when i called them they said they saw positive changes on their end but could not provide me anything written. When i spoke of the guarantee I was given when i signed up for the service, i was told that they could not guarantee anything. I continued to allow then company to work for me but i saw no results on their end. I began to contact credit bureaus on my own and got results on my own. Again, i called to cancel, they provided a few months free of charge but it did not make a difference, i had no positive changes due to this company. All of the items affecting my credit were 5 or more years old and they were easy to handle on my own. Don't waste your money, it just a little time on your own to address items on your credit. When i finally cancelled the service, they informed that i was going to charged one more time for the work they had completed the prior month. This makes no sense, they charge you to begin the program and then each month after, so having a fee for work, that was technically already paid for makes no sense. I did not fight it because the employees with the company are paid to be fast talkers and i did not feel like dealing with it. read more

Stay far away from this company. I, unfortunately, have already given them $1000 of my hard earned money without seeing any positive results. I really regret using this company. I will be canceling my membership this month, as I have not seen any results and no communication on their part at all. read more

Awful! Been with them since August 2016. Yes people that's a year and a half! I mainly had 3 debts I needed removed. They were like sure this isn't a problem. Give us 3 months tops. After a year and a half I'm no closer to getting those 3 items off then when I started. I've invested almost $1500 and no results! DO NOT waste your money! I called to cancel and customer service is so rude. Key word: We are building MOMENTUM don't cancel now give us another 3 months. NOT this time! I want nothing to do with this company, they are robbing people and not working to clear your credit at all! Just keep you hanging on to squeeze out more and more money. read more

This place really IS a scam rather than an ethical service to consumers. They get things done, but they extract as much money from you as possible during the process. 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 5 months later.... and getting away from them required kicking and literally screaming at them on the phone today. They have your credit card number, so they will just continue billing you "in arrears" over an over... DO NOT sign on for this service. Write to the credit bureaus directly, yourself. read more

My score was 680 when I started with them and 6 months later it went down to 650-not the results I was looking for, after paying for them to increase my score and help get the old stuff off I was very disappointed to find that everything they did actually hurt my score. read more

Was told at sign up that at least 6 items would come off my report every month. Was also told that I had to forward any results to the company. I never received any results. $600 later, I call and an was told 1 item came off, but when I called to cancel I was told numerous items came off..how could this be & why did nobody tell me this when I was enrolled? Case workers only discredit enrollment specialist and are not very informative at all! The case workers that I dealt with gave me wrong information, and had no idea what was actually happening on my report-if anything was? In fact I had to pull information out of my 'team', and only then was I told about the 1 item. Would not waste my money on this. read more

STAY AWAY The only thing this company did consistently was charge me every month for a total of 4 months just to see my score never change then suddenly take a 40 point DIP. I received couple of items in the mail they disputed and that was about it. They never once made an effort to contact me with ANY updates or information. I should have done more research on this scam artist and gone with a more reputable and professional company that shows positive results not the polar opposite. read more

Was referred to NCC to help with my husbands credit. Started with them the beginning of August and by September's updated credit report his score went from about a 543 to about 721. No Joke! 1 month! Now I am guessing that these results may not be typical, but - they do what the said they would do. Also, after comparing rates from other companies, I found them to be more affordable. I actually thought that maybe I shouldn't have picked them because other company's were quoting me so much more that maybe they weren't legit. But the numbers don't lie! So glad I went with NCC! read more

Is there a way to give a negative star rating? Today my husband spoke to one of the sales people. He was a real prick. He kept pushing him to buy the service although he wasn't comfortable with it without talking with me first. By the end of the call he felt insulted that we have bad credit. I'm turned off from your company now and I will stay with Lexington law. Although it's been three months with them and nothings been done to improve my credit, I would rather piss money away (Lexington law) then give it to people that are pushy and insulting and demoralizing and may do the same thing as Lexington law. At least Lexington law is nice when they take my money and do nothing! read more

A few weeks ago I gave a very poor review, in the review I said I would follow up if resolution was reached. After a lot of effort, I was able to have my situation resolved. I am happy that they gave me what I initially requested. Overall, I am not thrilled with the service, it was way to difficult to cancel and reach results. I can't say I received personal service, and when I called to cancel the first time I was promised the moon and delivered..well..nothing. I did receive deletions on my credit file. I assume 50% fault here, as I did not reach out on my own to them monthly for a review, I paid 800 bucks..not sure I got that much in service, and well..I am to blame. If you use them, follow up with them monthly..Learn from my mistake..they won't call you unless the bill is due. read more

Everything thing they say about caring about you is wrong they just want your money. They are just as BAD as credit collectors. My guy said he would look at our credit then call us back after a month and if our credit was in serious need of help we would continue with them after a month. A month later he said our credit wasn't all that bad and he would cancel their service. OK nice. Nope. 9 month later we get a calls and emails from day and a few times a week. They would never tell me anything and dance around my questions. I asked them to cancel their service at the beginning of the month. By the end of the month I expressed my anger and disappointed with their treatment and the fact a month after I asked for their help I lost my job and I never heard anything for those months nothing at all and then they said that they would NOT cancel my account until I pay them for this month that we played phone and email tag for a month. He said it was for the work they did that month. What work? I never saw any work for 9 months. All I have to say they are just as bad as the creditors. All they want is your money. Because for 9 months I never saw or heard anything from them and I'm unemployed. Yay take my money I don't have. Don't use them. read more

National Credit Care / Cole Duran and his team have done a remarkable job removing all the bogus liens and collections that have accumulated on my credit reports over the years. My scores shot up at least 100 pts. in the first month. And National Credit Care plans to keep working until every bogus record has been removed. They have been extremely professional, responsive, and involved. I feel like their number one client with the quick response they give. I've been in the process of getting an RV loan, and they have been incredibly helpful throughout that process. Wish I had done this years ago, when I first noticed the garbage on my reports. I like the service so much, and it is so affordable, I'm recommending to my friends, and even having some of their credit cleaned as a gift. It's that affordable! read more

this company sucks do not use , they make things worse on my credit report , and then cancel and they charge me again , jerks

Sketchy. Sketchy/Salesy people, Sketchy/dodgey approach to clearing your credit, fast talking BSers who talk a lot but never pin down any solid info about your credit. I wasted $500 on them based on a recommendation. They try to keep you on their service by saying the longer you pay, the better your credit. They did nothing for me but take my $$. My credit started high and ended high with no real change. Poo. Sketchy and Pooey. read more

National Credit Counseling does work but buyer beware especially if your trying to obtain a mortgage. We couldn't get any response about our credit score. I had asked to stop the process and was informed they bill one month behind so I had to continue to pay them. Also the Regional Manager sent a email to our Mortgage lending company stating we never paid and received free services which was totally false. We had to send our bank statements to the Mortgage Lender to show that National Credit Counseling Regional Manager is not only a liar but he likes to exaggerate.. I do not recommend this company because I don't deal with liars. Yes they have worked on my credit and we did see results. Remember if you choose them beware the bill one month behind. Pay them and move forward because the can but that on your credit and drop your score. Beware read more