New Credit America is a licensed consumer finance company dedicated to restoring your financial health. Headquartered in Portland, Oregon, we assist consumers across all 50 states with loan products specifically tailored to their unique financial situation. We understand that “life happens,” and everyone deserves a second chance opportunity at financial freedom. We report all loan activity to the three major credit bureaus—Transunion, Experian and Equifax—improving our member’s credit profile now, not years down the road! To learn more, visit www.newcreditamerica.com
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I got my loan with New Credit America through my debt relief firm. At first, it sounded too good to be true. But I have seen that it works. All my debt was paid off and the collections calls stopped. My credit score is even improving.
I signed up for debt consolidation because my credit card payments were getting too high. I was not late or behind on my payments until signing up with New Credit America. Apparently they let it go to the point that 1 of my creditors got a judgment against me which is negatively impacting my credit. The company that got the judgement was paid off but the judgement has not been removed from my credit and when I called to ask New Credit America about this they said it's my responsibility to dispute it to have it removed from my credit but at the time I signed up I was told that they would help monitor my credit to make sure things like this did not happen so that is not true.
I was also not informed that if they make agreements with the companies to lower your debt that the company your indebtedness to can come after you at the end of the year and you have to pay it as part of your taxes so they do not help you in any way except to put you in more debt and make money off of you. I would not trust them again and I would advise you not trust them either. They are not here to help you. They are here to make money off of you.
We apologize your experience with New Credit America has not been to your satisfaction. We have attempted to contact you personally to resolve this matter with you. We would appreciate an opportunity to work with you on making your experience a more positive one, so please contact us at your earliest convenience.
What does PRE-QUALIFIED mean??? It means they get all your information, turn you down for the loan you were non-qualified for then offer you some crap and a debt settlement offer they have. Do not fall for this bunch of lies!
It is funny how they state on their website "Don't worry, we know your credit situation may not be perfect." SO you send a mailing to people that you think could qualify for the loan after entering in you SS #, routing and account number and password to my back to verify bank account and then deny the person... Seems like they just want your info for whatever reason. You dont need the bank info to run the darn credit report to be able to tell if qualified or not, that should come after. Why would someone with perfect credit apply for a high interest rate loan to begin with, so yes, people that are actually in debt and need the help they deny.
Plus it only took 2 weeks for a single response in which I was the one who reached out. Plus it puts a HARD INQUIRE on your credit report. Just another high interest rate scam company. Typical company that wants to take take take and screw the customers. PLUS I love how they respond to the complaints with, "I am so sorry for your experience blah blah blah blah." Who really cares if they apologize, fix the issue at the company so no apologies need to be made to the customers that keep your business running to begin with.
We’re sorry your experience has not been to your satisfaction. We are required by law to verify all credit apps. Obtaining online banking credentials is one of the steps used to verify income. This is a standard online lending practice used only for purposes of taking a one-time, read-only snapshot of income and expenses. We take every precaution to protect all info with bank-level security. Unfortunately, not everyone qualifies for a loan, despite our best efforts to serve as many clients.
I first received a pre approved letter from NCA stating that I was eligible for a loan to take care of my debt. I thought it was a joke. I applied and then I was asked to give them 2 months worth of bank statements. That made me cautious about them. I sent it in anyway and it did take a few weeks as I was told it would. As of today they paid off 12 accounts and the day after, my credit score began rising. I thought it was a joke but it turned out to be the real thing. Thanks NCA.
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I went online to apply for a personal Loan and was told they needed 2 months of bank statements. I called back and told them to cancel my application. I figured if they wanted my bank statements it was a scam.
I am very pleased with the service you provided me and I would recommend your service. Your customer service is great. I was treated with respect. I am a very satisfied customer.
I had gotten approval to defer my payment from 8/14/17 to 8/18/17. I received a phone call from Dolly at NCA informing me the approved change had not been handled properly & what the 'fix' would be. My question was about the money that was in my account and that was handled in a way I hadn't thought of. Thank you for the prompt attention and helpfulness to me.
I must say from the first phone call to NCA until now I have experience nothing but first class from NCA. My loan approval went so quick and easy. My Account Executive Marc ** has been there for me from start to finish. Very satisfied with NCA.
I would have to say that my experience with New Credit America was all good. When my son became disabled and unable to work, they worked with me to reduce my payments until he got his disability started. All of the representatives that I spoke with were always extremely nice and courteous. They were always helpful and tried their very best to help me in any way possible.
I was never brought up with financial literacy and to be honest, my concept of money was vague and according to the "social norm". By the time I was 24, I had maxed out 5 credit cards, and wanted to move from Chicago to Los Angeles, so I did what any "normal" person would do, I picked up my bags and left for Los Angeles! Needless to say, after starting a few financial programs to get myself out of debt, I found a debt consolidation program on the way, and this program introduced me to New Credit America to put my credit in good standing. I'm still on my way to better credit, but with the help of New Credit America, I am proud to say I am credit card debt free. This is truly a huge milestone in my life, but I'm thankful for small beginnings!
What a wonderful loan company to deal with! They have helped me improve my financial situation in a short amount of time. When I have ever needed an answer to a question or information sent to a particular company, etc., it is done without hesitation or questions asked. They are always here for their customers and have gone out of their way for me. Thank you for helping me achieve financial freedom! :)
My experience with this consolidation loan/process was extremely helpful during a scary time of being in debt as a single mother and scholar at the same time. I have learned how important it is to have this kind of support, guidance, and help when it is truly needed! Thank you for being a customer service friendly voice during stressful times.
My experience with your company was excellent. All of your staff members were friendly and professional. I wish your location was in the south because in the winter months you experienced harsh weather and could not open.
I am extremely satisfied with New Credit America. The loan helped me start to get my credit score back up. Customer service was always helpful with any questions or concerns I had. And it was super easy to transfer my debt settlement balance, they did everything, all I had to do was make payments.
Everything was perfect from beginning to end. You gave a loan to someone who did not have great credit. You gave me a 2nd chance and I showed you I could pay it off on time. Thanks. As of 3-27-2017 it was still on my credit report. I need it off fast because I will be applying for student loans soon for my son. Any suggestions?
Overall the experience was good but I misleaded with the fees you charge. When I called back to inquire about the fee the lady I spoke with started to raise her voice with me, to the point where I had to calm her down. She was so rude that if I hadn't already signed papers I would have taken my business some place else.
Hi Angela. I appreciate you taking the time to speak with our office today and we are so pleased to find out that your issue was not with New Credit America. We hope that you have nothing but a positive experience with us and we are so pleased to be a part of your financial success.
I was in a bad spot when I was put in touch with New Credit America. They took the time and explained each option I have and the effects on my credit the options would have. I made the best choice for me. I had to do a couple of 3 way calls with creditors who would not proceed without my permission, it was not hard at all. Once everything was set up all I have to do was sit back and watch my debt diminish. My debt was paid off a couple of months ago and it feels great. I would advise anyone who has gotten in financial trouble to make the call. If you decide not to use their services at least you have been educated on finances, credit scores, and solutions.
Thanks for the help and knowledge. Everyone I talked to was always able to assist me and help take care of things. It's a long process to get things settled but after a few years, I was able to get a loan to have all debts paid off and that increased my credit score. Patience is a big thing but it all worked out in the end. Thank you!
New Credit America Company Information
- Company Name:
- New Credit America
- Year Founded:
- PO BOX 9125
- Postal Code: