National Credit Care in Tempe, AZ

4.5/5

National Credit Care is a Tempe, AZ-based credit repair firm. BBB A+ accredited. 2,180 Google reviews. Nationwide service with professional dispute services.

Data compiled from public sources · Rating from CreditDoc methodology

From $89.00/mo BBB: A+ Visit Website

National Credit Care Review

National Credit Care is a BBB A+-accredited credit repair firm based in Tempe, Arizona, serving consumers nationwide. The company has approximately 2,180 Google reviews and specializes in credit report disputes, credit building strategies, and financial education.

Services include credit report analysis across all three bureaus, dispute filing for inaccurate items, debt validation, credit monitoring guidance, and personalized credit-building plans. The BBB A+ accreditation indicates reliable business practices and effective complaint resolution.

As with all credit repair firms, consumers should understand legal limitations. Compare pricing against established providers and consider DIY dispute options through AnnualCreditReport.com.

In the broader ecosystem of credit repair services, consumers have multiple paths to improving their credit. Professional credit repair companies can dispute inaccurate items with all three bureaus, while credit monitoring services provide ongoing alerts about changes to your reports. For those building credit from scratch, secured credit cards and credit builder loans offer structured approaches. Consumers dealing with overwhelming debt may benefit from debt consolidation loans to simplify payments, or credit counseling through nonprofit agencies for personalized budgeting guidance. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.

Services & Features

Credit report analysis and initial consultation

Direct communication with credit bureaus on client's behalf

FCRA-based dispute submissions to Equifax, Experian, and TransUnion

Lender portal for mortgage professionals working with clients

Online client portal for account access and progress tracking

Personalized credit consulting

Removal of inaccurate or incomplete items from credit reports

Removal of unverifiable negative items via bureau investigation process

Secured credit card product (separate offering)

Technology-assisted credit investigations

iOS and Android mobile app for client account management

Feature Checklist

AI-Powered Tools

Mobile App

Online Portal

Score Tracking

Debt Validation

Credit Education

Goodwill Letters

Personal Advisor

All Three Bureaus

Credit Monitoring

Cease & Desist Letters

Identity Theft Protection

Pricing Plans

Credit Repair Service

$89.00 /mo

+ $179.00 setup fee

Credit report analysis and consultation
FCRA-based dispute submissions to all three major bureaus
Direct credit bureau contact on client's behalf
Technology-assisted credit investigations
Personalized credit consulting
Access to online client portal
Mobile app access (iOS and Android)

Get Started

Pros & Cons

Pros

4.6/5 Google rating from 2,180 reviews — among the stronger consumer satisfaction signals in the credit repair industry
Founded ~2009 with approximately 17 years of credit repair experience
No long-term contracts — clients can cancel at any time without penalty
100% US-based staff with no offshore outsourcing
Mobile app available on both iOS (App Store) and Android (Google Play)
Separate client portal and lender portal for mortgage professionals
Disputes submitted to all three major credit bureaus (Equifax, Experian, TransUnion)

Cons

Not BBB accredited; BBB formally identified a pattern of complaints in June 2021 related to billing, collection activities, and customer service
$179 setup fee plus $89/month places it at a moderate-to-premium price point compared to some competitors
No money-back guarantee found on website or in verified third-party sources
No NFCC, HUD-approved, or non-profit status — this is a for-profit credit repair firm, not a free counseling resource
No publicly verified data on average results, typical timeline to dispute resolution, or success rates

Rating Breakdown

Value

3.7

Effectiveness

5.0

Customer Service

5.0

Transparency

4.1

Ease of Use

4.6

Ready to Rebuild? Start With a Secured Credit Card

While repairing your credit, a secured card builds positive payment history from day one. Several options require no credit check.

See Top 5 Secured Cards No Credit Check Cards

Frequently Asked Questions

Is National Credit Care legitimate?

Yes. National Credit Care is a registered company, headquartered in Tempe, AZ, founded in 2014. They hold a A+ rating with the Better Business Bureau and are BBB-accredited.

How much does National Credit Care cost?

National Credit Care plans start at $89.00 per month with a $179.00 setup fee. No money-back guarantee is offered.

How long does National Credit Care take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Founded: 2014
Headquarters: Tempe, AZ
Employees: 11-50
BBB Rating: A+
BBB Accredited: Yes
Certifications: BBB A+ accredited Tempe, AZ-based credit repair firm
Starting Price: $89.00/mo
Setup Fee: $179.00
Free Consultation: No
Money-Back Guarantee: No

Visit National Credit Care

+1 800-995-7670 Tempe, AZ

CreditDoc Diagnosis

Doctor's Verdict on National Credit Care

National Credit Care benefits from BBB A+ accreditation and nationwide service. The 2,180 Google reviews indicate established operations. Compare against The Credit People ($79/mo) and other BBB A+ accredited firms.

Best For

Consumers nationwide seeking BBB A+-accredited credit repair
Individuals with credit report errors needing dispute assistance
People preparing for mortgage applications who need credit improvement

Updated 2026-04-29

Compare National Credit Care With Others

National Credit Care vs The Credit Repairmen

Side-by-side comparison

National Credit Care vs Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL

Side-by-side comparison

National Credit Care vs Continental Credit

Side-by-side comparison

National Credit Care vs eCreditAdvisor

Side-by-side comparison

National Credit Care vs Credit Blueprint

Side-by-side comparison

National Credit Care vs Xperia Credit Solutions

Side-by-side comparison

National Credit Care vs Elevate My Scores

Side-by-side comparison

National Credit Care vs Cosmo Credit Repair

Side-by-side comparison

Similar Companies

Apex Credit Fix

Apex Credit Fix is a credit repair firm based in Jersey City, NJ, operating as Apex Advising LLC. Pricing: $19 activation + $79/month with 90-day money-back guarantee. 4.9 Google rating from 6,355 reviews. BBB B- (not accredited).

4.5/5

$79.00/mo BBB: B- Money-Back

Best for: Consumers in the New York metro area with genuine credit report errors — inaccurate balances, duplicate accounts, unverifiable collections — who want professional dispute help, Individuals preparing for major purchases (home, car) who need faster credit improvement than DIY dispute methods

View Details

Lexington Law

Attorney-led credit repair firm with legal expertise in consumer credit law. One of the most recognized names in credit repair, now operating under a restructured model.

4.4/5

$99.95/mo BBB: NR

Best for: Consumers with complex credit issues that may involve legal violations, People dealing with identity theft or mixed credit files

View Details

The Credit People

The Credit People is a credit repair service that disputes negative items on credit reports across all three bureaus, claiming average score increases of 50-100+ points within 60 days.

4.3/5

$79.00/mo BBB: A+ Money-Back

Best for: Consumers with multiple negative items (collections, charge-offs, late payments) who prefer hands-off service, People with limited time or organization skills who want professional management of the dispute process

View Details

Financial Wellness Guides

DIY Credit Repair vs Hiring a Company: Which Is Right for You?

Compare the costs, time, and effectiveness of fixing your credit yourself versus paying a professional company.

Read guide →

How to Dispute Errors on Your Credit Report (2026 Guide)

Step-by-step instructions for disputing errors on your credit report with all three bureaus, including templates and timelines.

Read guide →

How Credit Repair Actually Works (Step by Step)

A complete breakdown of the credit repair process — what companies actually do, the legal framework behind it, and realistic timelines for results.

Read guide →

Financial Terms Explained (23 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

Penalty APR — Penalty Annual Percentage Rate

A higher interest rate that kicks in when you violate your card agreement — usually by paying late or going over your credit limit. It can be nearly double your normal rate.

Why it matters

One late payment can trigger a penalty APR of 29.99% on your entire balance, and it can last 6 months or longer. Read your card agreement to know the triggers.

Example

Your credit card rate is 19.99%. You miss a payment by 61+ days. The bank triggers a 29.99% penalty APR. On a $5,000 balance, that's $125/month in interest instead of $83.

Credit & Scoring

Credit Bureau — Credit Reporting Agency (Bureau)

A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.

Why it matters

Not all lenders report to all three bureaus, so your reports may differ. You should check all three reports because an error on one could be costing you money.

Example

Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.

Credit Freeze — Security Freeze / Credit Freeze

A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's the strongest protection against identity theft.

Why it matters

A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.

Example

Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.

Credit Mix — Credit Mix (Types of Credit)

The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.

Why it matters

Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.

Example

Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B's score is typically higher.

Credit Report — Consumer Credit Report

A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.

Why it matters

Errors on credit reports are common — 1 in 5 consumers has at least one mistake. Checking your report regularly is the first step to fixing errors that are costing you money.

Example

You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your score goes up 40 points.

Credit Score

A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores mean lower risk to lenders and better loan terms for you.

Why it matters

Your credit score determines whether you get approved and at what rate. A 100-point difference can mean thousands of dollars more or less in interest over a loan's life.

Example

On a $250,000 30-year mortgage: a 760 score gets you 6.2% ($1,536/month). A 660 score gets 7.4% ($1,729/month). Over 30 years, the lower score costs you $69,480 more.

Credit Utilization — Credit Utilization Ratio

The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.

Why it matters

Utilization is the second-biggest factor in your credit score (after payment history). Keeping it below 30% helps your score; below 10% is ideal.

Example

You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could boost your score by 20-50 points.

FICO Score — Fair Isaac Corporation Score

The most widely used credit scoring model, created by Fair Isaac Corporation. 90% of top lenders use FICO scores for lending decisions.

Why it matters

FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.

Example

Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.

Hard Inquiry — Hard Credit Inquiry (Hard Pull)

When a lender checks your credit report because you've applied for credit. Each hard inquiry can lower your score by 5-10 points and stays on your report for 2 years.

Why it matters

Multiple hard inquiries in a short period suggest you're desperately seeking credit, which is a red flag. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.

Example

You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score drops 25-50 points from the inquiries alone, making each subsequent application harder.

Soft Inquiry — Soft Credit Inquiry (Soft Pull)

A credit check that does NOT affect your score. Happens when you check your own credit, when lenders pre-qualify you, or when employers do background checks.

Why it matters

You can check your own credit as often as you want without penalty. Prequalification offers from lenders also use soft pulls, so shopping around is safe.

Example

You use Credit Karma to check your score (soft pull — no impact). A credit card company sends you a pre-approved offer (soft pull). You then apply for the card (hard pull — small impact).

VantageScore

An alternative credit scoring model created by the three major credit bureaus (Equifax, Experian, TransUnion). Same 300-850 range as FICO but uses a slightly different formula.

Why it matters

Many free credit monitoring apps show VantageScore, not FICO. Your VantageScore may be 20-40 points different from the FICO score a lender actually uses.

Example

Credit Karma shows your VantageScore 3.0 as 720. You apply for a mortgage and the lender pulls your FICO 2 score: it's 695. Different model, different number, different rate offered.

Fees & Costs

Late Fee — Late Payment Fee

A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.

Why it matters

The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.

Example

Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.

Service Fee — Monthly Service Fee

A recurring charge for maintaining a financial account or receiving ongoing services, such as credit monitoring, credit repair, or loan servicing.

Why it matters

Monthly service fees add up quickly. A $79/month credit repair service costs $948/year — make sure the value justifies the ongoing expense.

Example

A credit repair company charges $79/month to dispute items on your report. After 6 months ($474 spent), they've removed 3 negative items and your score went up 65 points. Was it worth it? Depends on your situation.

Setup Fee — Setup Fee / First Work Fee

A one-time fee charged at the beginning of a service, often by credit repair companies, to cover the cost of your initial credit analysis and account setup.

Why it matters

Legitimate credit repair companies are NOT allowed to charge before they do work (per the Credit Repair Organizations Act). A setup fee before any results is a red flag.

Example

Company A charges $99 setup fee before doing anything (potential CROA violation). Company B does a free audit first, then charges a $199 work fee only after completing work (legitimate).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

CROA — Credit Repair Organizations Act

A federal law that regulates credit repair companies. It bans them from charging upfront fees, making false promises, and requires written contracts with a 3-day cancellation right.

Why it matters

CROA protects you from credit repair scams. If a company demands payment before doing any work, they're likely violating federal law. Legitimate companies charge after results.

Example

A company says 'Pay $500 upfront and we'll remove all negative items guaranteed.' That violates CROA on two counts: upfront fees and guaranteed results. Legitimate companies charge monthly after work begins.

FCRA — Fair Credit Reporting Act

The federal law that regulates how credit bureaus collect, share, and use your information. It gives you the right to see your report, dispute errors, and limit who can access it.

Why it matters

FCRA is the legal basis for disputing errors on your credit report. Bureaus must investigate within 30 days and remove inaccurate information. You can sue if they violate your rights.

Example

You dispute an incorrect collection on your Equifax report. Under FCRA, Equifax has 30 days to investigate. If they can't verify it, they must remove it. If they ignore your dispute, you can sue for damages.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Debt & Recovery

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Credit Cards

Balance Transfer — Credit Card Balance Transfer

Moving debt from one credit card to another, usually to take advantage of a lower interest rate (often 0% for 12-21 months). There's typically a 3-5% transfer fee.

Why it matters

A 0% balance transfer can save hundreds in interest and help you pay down debt faster. But you must pay off the balance before the promotional period ends, or the rate jumps.

Example

You owe $8,000 at 22% APR ($147/month in interest). You transfer to a 0% APR card with a 3% fee ($240). For 18 months, $0 interest. If you pay $444/month, you're debt-free before the promo ends.

Minimum Payment — Minimum Payment Due

The smallest amount you must pay each month to keep your account in good standing — usually 1-3% of the balance or $25, whichever is more. Paying only this amount keeps you in debt for years.

Why it matters

Minimum payments are designed to keep you paying interest as long as possible. On a $5,000 balance at 22%, minimum payments would take 20+ years and cost over $8,000 in interest.

Example

You owe $5,000 at 22% APR. Minimum payment: $100/month. At that rate, it takes 9 years to pay off and you pay $5,840 in interest — more than you originally borrowed.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

Affiliate Disclosure: CreditDoc may earn a commission when you click links to National Credit Care and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.