Start My Answer

How to Beat National Credit Care

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Don't waste your time and money on National Credit Care when you can repair your credit by yourself!

Summary: Have you had a negative experience with National Credit Care? You're not alone. Here's SoloSuit's guide on how to repair your credit on your own.

National Credit Care is based in Colorado and promotes itself as a credit repair company focused on helping consumers improve their credit to qualify for a mortgage. Unlike most credit repair agencies, National Credit Care claims they do not use an automated dispute process. However, their self-proclaimed personal approach has still left many consumers unhappy with their services.

Most alarming, National Credit Care is not accredited by the Better Business Bureau (BBB). At this time, the BBB shows a current alert for this business. That alone should make consumers pause before they enter into a business relationship with National Credit Care. However, if you are already involved, there is a way out.

Why the BBB has issued an alert for National Credit Care

In June 2021, the BBB recognized a pattern of complaints from consumers regarding billing, collection activities, and customer service for National Credit Care. The emerging pattern showed that consumers alleged:

  • National Credit Care makes canceling services unusually difficult
  • Additional, non-disclosed fees when canceling the service
  • Utilization of customer retention strategies that were pushy or using scare tactics in an attempt to retain customers
  • The company is unresponsive to phone calls, emails, and other attempts at contact
  • Failure to deliver the promised results

In October of 2021, National Credit Care filed a response with the BBB. They declared that:

  • Its billing model complies with all state and federal laws, and its billing structure is clearly explained during the intake process
  • The contract under which National Credit Care operates states that if consumers do not see a minimum of 50% of errors changed within 6 months, National Credit Care will work on the file for up to ninety days at no further cost to the consumer.
  • Staffing issues due to the pandemic may have resulted in less than stellar customer service, including longer than average wait times.
  • The company categorically denies using aggressive retention tactics.

Despite the alert, National Credit Care has a 4.82/5 star average review. That said, when reading through the reviews, they are all either 1 or 5 stars. There is no middle ground. Clients, at least those leaving reviews on the BBB site, are either extremely pleased or very upset with the services offered by National Credit Care.

How to cancel service with National Credit Care

There are reputable credit repair services available. However, most credit repair services charge a substantial fee for their services. The good news is you can do the same thing a credit repair service can do. If you are struggling with finances, doing the work yourself to improve your credit score can save you money and help you avoid potential scams.

If you have an existing contract with National Credit Care, you should carefully read the Terms and Conditions. As an existing customer, you should have a client portal established, and from this portal, you should have the option to cancel your membership. However, to ensure you are not hit with any surprise cancellation fees, you can contact customer service at:

National Credit Care
1499 W 121st Ave #300
Westminster, CO 80234

(866) 595-6313

If you cancel by phone or through the portal, it is a good idea to follow up in writing. As they are explained to you, write out the cancellation terms, and send that to National Credit Care, preferably by certified mail. Should you encounter any issues with canceling or find yourself hit with surprise fees not outlined in the contract, dispute the charges immediately.

Contact National Credit Care customer service in writing, and request a cancellation of their service and any refund owed. If you do not receive a timely response, file a report with the BBB and the Federal Trade Commission (FTC). The FTC doesn't handle individual complaints but will investigate patterns of wrongdoing by a company.

Once you have terminated the contract, National Credit Care may continue to attempt to contact you as part of its aggressive customer retention practices. Let them know that you are aware of your rights under the law and ask that they cease all attempts to contact you. If this does not work, SoloSuit can help you craft a Cease and Desist Letter.

Credit repair DIY

While there are circumstances where a reputable credit repair agency can make it easier to resolve issues impacting your credit, there is plenty you can do on your own. The following steps can help improve your credit score but remember that there are no quick fixes. It takes time and patience to rebuild a healthy credit score.

1. Get a copy of all three credit reports.

All three credit bureaus, Experian, Transunion, and Equifax, are legally required to provide you with one free credit report per year. You can visit AnnualCreditReport.com to request and view your reports.

2. Identify errors on your report and file a dispute.

It is not unusual to find errors on your credit report, and some may be doing substantial harm to your credit score. If there is a debt that you do not recognize, dispute it immediately. The creditor is required to provide you with all relevant information about the debt. If you do not recognize the debt, you can send a Debt Validation Letter to the creditor listed on your report. The statute of limitations on most types of debt does not exceed 7 years. So, if you have a debt older than 7 years that still appears on your report, dispute that as well.

3. Keep current credit cards open.

Credit cards, when managed appropriately, are great tools for building (or rebuilding) credit. However, if credit cards have had a detrimental impact on your financial situation, it can be tempting to cut them up. Unfortunately, doing so can have a negative effect on your credit score. Total credit utilization is determined by the total amount of credit available vs. the total amount of credit used. When you close a credit card, you lose that card's credit limit when the total credit utilization is calculated. Pay down your cards, and never miss a payment if possible, but keep the cards active to help boost your score.

4. Negotiate with creditors.

You don't need a credit repair agency to negotiate with creditors. If you have collection activity in your credit file, reach out to the creditor to discuss settlement options. Often, debts are purchased by a third party for pennies on the dollar, meaning the current creditor has room to negotiate a substantial discount from the original balance. You can also ask for a goodwill deletion in your negotiations. Essentially, you agree to pay the negotiated amount, and in exchange, the creditor agrees to remove the negative information from your credit report.

You can also negotiate directly with credit card companies. Credit card companies know they are often the last priority when consumers encounter financial difficulties. After all, keeping the rent or mortgage paid and the utilities turned on will be a higher priority for most consumers. Credit cards are also unsecured debt, so they know they are unlikely to receive anything if the consumer chooses bankruptcy.

Contact your credit card company and ask to be transferred to the hardship or debt settlement department. You can request a lump-sum settlement, a hardship agreement that can often suspend harsh penalties and fees while you try to regain your financial footing or a workout agreement. SoloSuit offers information to help you rebuild your credit and, best of all, puts you in charge of your finances instead of a debt relief company. If you've been sued for a debt, you can use SoloSuit to respond and win in court.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court