How to Cancel National Credit Care Service (Step-by-Step Guide)
You can cancel National Credit Care by using their client portal, calling (866) 595-6313, and confirming in writing via certified mail. The BBB issued an alert about the company due to complaints about difficult cancellations and hidden fees. You can accomplish most credit repair tasks yourself by disputing errors, negotiating with creditors, and maintaining healthy credit habits.
Answer Collectors NowNational Credit Care operates as a credit repair company based in Colorado. The company focuses on helping consumers improve their credit to qualify for mortgages. Unlike most credit repair agencies, National Credit Care claims to avoid automated dispute processes.
You have options if you question their services or want to cancel.
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Respond to LawsuitThe BBB Alert You Should Know About
National Credit Care has operated since 2005. However, the Better Business Bureau does not accredit them. The BBB issued an alert in June 2021 after recognizing a pattern of consumer complaints.
Consumers reported several concerning issues:
- Extremely difficult cancellation processes
- Hidden fees when canceling services
- Aggressive retention tactics using scare strategies
- Unresponsive customer service across all channels
- Failure to deliver promised credit repair results
National Credit Care responded to the BBB in October 2021. They stated their billing model complies with all laws. The company explained their contract promises additional work at no cost if consumers don’t see 50% improvement within six months. They blamed pandemic staffing issues for poor customer service and denied using aggressive tactics.
The company maintains a 4.82 out of 5 star average on BBB. Reviews show an interesting pattern though. Customers leave either 1-star or 5-star reviews with nothing in between. You either love them or hate them.
Dealing with debt collectors or lawsuits? Our partner Solo helps you respond to collectors and negotiate settlements.
Step-by-Step Cancellation Process
You can cancel your National Credit Care service by following these steps. Most credit repair services charge substantial fees for work you can do yourself. Canceling and taking control of your credit repair can save you money.
Start by reviewing the Terms and Conditions carefully. Your contract outlines cancellation requirements and any potential fees.
Cancel Through the Client Portal
Log into your client portal as an existing customer. Look for the membership cancellation option. Complete the cancellation process through the portal interface.
Cancel by Phone
Call customer service at (866) 595-6313. Ask the representative to cancel your membership. Write down all cancellation terms as they explain them to you. Note any fees mentioned during the call.
Confirm in Writing
Send a written cancellation notice to confirm your cancellation. Mail it to 1499 W 121st Ave #300, Westminster, CO 80234. Use certified mail with return receipt requested. Keep copies of all correspondence for your records.
Your written notice should include:
- Your full name and account number
- Clear statement requesting service cancellation
- Date you want the cancellation effective
- Cancellation terms explained during your phone call
- Request for written confirmation of cancellation
Handle Surprise Fees
Dispute any charges not outlined in your original contract immediately. Contact National Credit Care customer service in writing first. Request cancellation confirmation and any refunds owed to you.
File complaints if you don’t receive a timely response. Submit a report to the BBB and the Federal Trade Commission. The FTC investigates patterns of wrongdoing even though they don’t handle individual complaints.
Stop Retention Attempts
National Credit Care may contact you repeatedly after cancellation. Inform them that you know your legal rights. Request that they cease all contact attempts in writing. Send a cease and desist letter if phone calls and emails continue.
DIY Credit Repair Strategies
You can accomplish most credit repair tasks yourself. Reputable agencies make the process easier, but you can save money by doing the work. Rebuilding your credit score takes time and patience, not expensive services.
Request All Three Credit Reports
Experian, TransUnion, and Equifax must provide one free report annually. Visit AnnualCreditReport.com to request your reports. Review each report carefully for accuracy.
Dispute Errors and Inaccuracies
Credit report errors are common and damage your score. Dispute any debt you don’t recognize immediately. Creditors must provide relevant information about disputed debts. Send a debt validation letter to creditors for unrecognized debts.
Most debt has a statute of limitations under seven years. Dispute any debt older than seven years still appearing on your report. The credit bureaus must investigate your disputes within 30 days.
Keep Credit Cards Open
Credit cards help build or rebuild credit when managed properly. Closing cards can hurt your credit score more than helping. Credit utilization compares total available credit against total credit used.
Closing a card removes that credit limit from utilization calculations. Pay down your balances and never miss payments. Keep cards active to maintain your total available credit.
Negotiate Directly With Creditors
You don’t need a credit repair agency to negotiate settlements. Contact creditors with collection activity on your credit file. Many collection agencies purchase debts for pennies on the dollar. They have substantial room to negotiate discounts from original balances.
Request a goodwill deletion during negotiations. You agree to pay the negotiated amount. The creditor agrees to remove negative information from your credit report. Get all agreements in writing before making payments.
Credit card companies often prioritize settlement negotiations. They know they’re last priority during financial difficulties. Consumers focus on housing and utilities first. Credit cards carry unsecured debt with limited recovery options in bankruptcy.
Call your credit card company and request the hardship department. You can negotiate lump-sum settlements or hardship agreements. Hardship agreements suspend penalties and fees while you recover financially. Work out payment arrangements that fit your budget.
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