Navicore Solutions
Navicore Solutions is a nonprofit organization that has been dedicated to helping people for over 26 years.
Navicore Solutions is a nonprofit organization that has been dedicated to helping people get a better handle on their finances since 1991. Those people who need help with consumer debt, student loans, housing issues, or other personal finance problems can come to Navicore Solutions for in-depth counseling to get back on their feet. Navicore is available in all 50 states, and offer a free consultation with a certified counselor.
The Good
- Available in all 50 states
- No restrictions
- Well accredited
Non-Profit Organization
Navicore Solutions is a non-profit organization. The quality credit counseling and other financial services customers will receive are made possible through donations and minimal fees to those customers who can afford it. This makes Navicore’s services available to essentially anyone who is need of debt relief.
Availability
Navicore Solutions provides its financial services to all 50 states. This makes it very convenient for customers all over the country to have access to Navicore’s services.
No Restrictions
Anyone who is in need of some financial help can get it through Navicore Solutions, they do not have set parameters for the type of customer they serve. There is no minimum debt amount, no type of debt or any other situational requirements for their services.
Accreditations
Navicore Solutions is also accredited by several other major associations in the industry:
- National Foundation for Credit Counseling
- Council on Accreditation
- U.S. Department of Housing & Urban Development
- Executive Office of the U.S. Trustees
Experience
Navicore Solutions has been in business since 1991—that’s 26 years of experience helping people out of poor financial situations. That experience certainly helps Navicore serve its customers better than some newer consolidation services.
The Bad
- Third party
- No specialization
- Lack of transparency
Third Party
When it comes to actually consolidating a customer’s debt or other financial tasks, Navicore Solutions acts as the third party and works with the creditors to complete these tasks. So the customer will have to work with other companies as well.
No Specialization
Navicore Solutions offers to help customers with many of those issues, but this wide range of services does not lend itself to very specialized services for intricate cases.
Lack of Transparency
There are several pieces of information that are missing from Navicore’s website that we would like to see. We would like the possible fees a potential customer may pay, and the average interest rates. These bits of information would be helpful for potential clients and for ranking their services.
Want to see the top rated Debt Consolidation Companies? Click Here
The Bottom Line
Navicore Solutions by all appearances is a great choice for those customers who have a need for help with their personal financial situation. The company offers a variety of services, including credit counseling and help with consolidation. Customers of any background or circumstance can take advantage of these high-quality services to help get out of their negative situations. The reputation of Navicore Solutions has been very positive throughout its long history with many satisfied customers.
About Navicore Solutions
The main mission of Navicore Solutions is to get everyone out of debt. Some of the services that this company provides to help customers get there are credit counseling, housing counseling, debt management plans, and bankruptcy. Through counseling, customers will get a personalized plan to help manage their debt (whether that means consolidation, bankruptcy, or other options). Navicore Solutions acts as the guide for customers to navigate their way through this process.
Price
Undisclosed at this time.
Up-Front Fees
Undisclosed at this time.
Free Consultation
Customers can enjoy a free consultation and counseling session from Navicore Solutions, they can get a personalized plan to fix financial problems with no cost.
Time in Business
Navicore Solutions has been in business since 1991.
Debt Education
Navicore Solutions offers limited educational resources to help customers.
Cancellation Policy / Money-Back Guarantee
Navicore Solutions does not charge a cancellation fee, nor is a money-back guarantee necessary.
Unsecured vs. Secured Loans
Navicore Solutions helps customers pay off unsecured debt.
Mobile-Friendly Site
Navicore does feature a mobile-friendly site.
Contact Information
1(800)992-4557
Email Address:
Address:
200 US Highway 9, Manalapan, New Jersey 07726
Business Hours:
Business hours information is not available on the Navicore Solutions website at this time.
Services Provided
Navicore Solutions provides debt consolidation.
Minimum Debt Accepted
Navicore does not have publish whether there is a minimum debt accepted at this time.
Online Dashboard
Navicore Solutions does offer customers a dashboard to utilize.
CPFC Certified
Navicore Solutions is not CPFC certified at this time.
ISO Certified
Navicore Solutions is not ISO certified at this time.
Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.
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User Score90 people found this review helpful!I found Navicore via a Google search and have been with them for a few years now. At the time, I was heavily in personal debt, around $40,000, and absolutely struggling to make payments while my credit score was tanking and collections were piling up.
Navicore did a terrific job in negotiating with my creditors to lower their interest rates and save me money. It was difficult to carve out the monthly payments, but that discipline was critical to turning around my financial situation. At this point, I’m about 2/3 through the payment plan and see light at the end of the tunnel. Knowing that in about a year and a half these debts will be paid off and that monthly payment will disappear is incredibly motivating — it feels great and I’m looking forward to that last payment.
The only negative I can think of regarding Navicore is their website — it’s not great, but good enough. Hopefully they will improve the interface some day. But this is a small thing.
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User Score24 people found this review helpful!I ended up with Navicore Solutions not by choice. Navicore Solutions bought my account from another credit counseling service I was using. Immediately, I was disappointed. Along with a welcome packet, I was sent a list of fees that I would have to pay them for their services, including a monthly fee of $37.00. I mean, that’s a credit card payment. I canceled my agreement with them ASAP and signed on with another agency.Was this review helpful? YesRead More
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User Score37 people found this review helpful!Navicore Solutions DID help me manage my credit card debt- which I am grateful for- however….many things have changed since they changed hands the last few times. Basically, everything has gone downhill for this company.
Billing: Does anyone freaking keep track of payments over there?? They charged me on two accounts which were paid off. No one at Navicore caught this mistake so I had to call and tell them to fix the problem. Really annoying, especially considering I am paying these people a “maintenance fee”- well, who the hell is doing the maintenance??
Delivery: Every month I would get notification from my creditors saying they did not get paid on time. How the heck does this happen with a debt management company?
Customer Service: Like another client on here mentioned, the wait on the phone to talk to a person is absolutely ridiculous. You will be waiting on the phone for over 30 minutes. When trying to send an email through their website, it fails to send. I ended up having to use my own email account to send something. Who the hell knows if I’ll get a response.
I DO NOT recommend this company. There are more efficient and reliable debt management programs out there now.
Delivery
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User Score36 people found this review helpful!I was with Genisis for 3yrs.. had little problems that was handle immediately, with a solutions… When Navicore took over my account from Genisis I had nothing but problems…First Payments were not distributed on time… Navicore Representatives had no clue on what to say or what to do… Called numerous of times and then a “SUPERVISOR,” told me it was Genisis error and then it was the USPS error! WHAT! Instead of taking care of the problem and addressing the issue, they were pointing fingers at someone else! I gave Navicore around 3 or 4 times to redeem themselves at Customer Service level… Over a month went by and no solutions just problems or I don’t know answer… Now when I call the Representatives tells me to please hold and next person I’m talking to, is a Supervisor… That’s Not A Solution, It’s A Problem! I would Never, recommend Navicore to anyone!Was this review helpful? YesRead More
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Blog Post
- Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
- Negotiates with your creditors on your behalf.
- Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
- Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
- Combines all your debts and creditors into one monthly payment.
- Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
- You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
- Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
- Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
- Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
- Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
- Borrowers can receive funds from their loan within only a few days.
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7 Navicore Solutions Reviews