Navicore Solutions was founded in 1991 in Freehold, New Jersey. The company is a national leader in the field of nonprofit financial counseling and offers a debt management program focusing on personal finance, consumer credit, student loans, foreclosure prevention, and housing. The company links more than 100,000 consumers with a certified counselor each year and assists through in-person, telephone, and internet counseling.

Pros
Minimal Fees
Navicore Solutions is a non-profit organization. The services customers will receive are made possible through donations and minimal fees paid by those customers who can afford it. The counseling agency offers its services to essentially anyone who is need of debt relief, debt counseling, and debt repayment plans regardless of their financial situation.
No Customer Restrictions
Navicore Solutions does not have set parameters for the type of customer it will serve. There is no minimum debt amount, no credit score limitation, and no type of debt or any other situational requirements that must be met in order to take advantage of the company’s counseling services.
Several Industry Accreditations
Navicore Solutions is accredited by several major associations in the industry, including the following:
- Council on Accreditation
- Executive Office of the US Trustees
- National Foundation for Credit Counseling
- US Department of Housing and Urban Development
Ability to Act as a Third Party
Navicore Solutions acts as the third-party when consolidating a customer’s debt or other financial tasks. The company’s customers will have to work with other companies as well for complete debt solutions.
No Cancellation Fee
Navicore Solutions does not charge a cancellation fee, nor is a money-back guarantee necessary for the types of services the company provides.
Cons
No Specialization
Navicore Solutions’ wide range of services does not lend itself to very specialized services for intricate cases. In addition, the company does not offer debt settlement services. Navicore Solutions is not a credit card debt settlement company and only offers consumer credit counseling and debt management planning.
Lack of Transparency
Navicore Solutions is not transparent regarding its pricing and fees.
Our Recommendation
Due to its limited transparency and lack of specialization, we do not highly recommend Navicore Solutions at this time. If you are in need of dedicated debt consolidation services, we recommend a company such as Consolidated Credit.
About Navicore Solutions
Free Consultation
Customers can enjoy a free consultation and counseling session from Navicore Solutions, during which they can get a personalized debt management plan to fix financial problems and pay off creditors at no cost. If the client decides to move forward with Navicore Solutions, they can take advantage of credit counseling, housing counseling, student loan counseling, and bankruptcy services.
Available Nationwide
Navicore Solutions provides its financial services to clients in all 50 states.
Time in Business
Navicore Solutions has been in business since 1991, which is a very long tenure in the industry.
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User Score101 people found this review helpful!I spoke with Laura in Customer Service on 2/10/2020.
.Laura is in the call center. She was extremely kind and knowledgeable. She listened to my concerns which
have to do with medical issues concerning me and my husband. Laura and I connected on a human level because we are both originally from New York. She was able to waive the monthly fee hence lowering my monthly amount to Navicore Solutions. Thank you Laura. Please make sure that she is given some kind of recognition for her kindness .
Thank you for giving me the opportunity to praise an employee.
Maxine KellWas this review helpful? Yes -
User Score104 people found this review helpful!Navicore literally helped me turn my life around after I accumulated a lot of credit card debt after my divorce. I had spoken to a debt relief company that wanted to make me go into collections and charge me thousands of dollars to ruin my credit, but my credit card company said they wouldn’t work with them so they sent me to Navicore which was the best thing that could have happened. The credit counseling itself was extremely helpful and I was able to get help from my creditors through their program and pay off my debt at a much much lower monthly payment that what I was doing on my own. Their fees are very reasonable. Highly recommended.Was this review helpful? Yes
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User Score012 people found this review helpful!This company is a FRAUD or SCAM. They charged me for $60 enrollment fee for their Debt Management Program (D.M.P.) and would like to request for a REFUND. It is difficult to contact their Credit Counselor or Customer Service and the voicemail are even full you can’t leave a message. Before i enrolled the program and paid it they always called or contacted me but now that i want a REFUND or CANCELLATION/TERMINATION for my subscription/enrollment they’re hard to reach or contact.Was this review helpful? Yes
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User Score1018 people found this review helpful!Loan consolidators run the gambit, from outright scams to well-run companies that coordinate with banks. Had huge expenses from medical bills and other sudden costs. I made the initial mistake of trying a consolidator the promised everything and it was a disaster. They maximized their profits by playing hardball with lenders. My credit score plunged, the banks and credit card companies went nuts. I saw nothing but a sea of red. I was afraid to open my mail and go online. I tried Navicore. They were empathetic, quick and created a payment plan I could afford. I still have three years to go, but Navicore really helped when I needed it. Their reps did more good than they know.Was this review helpful? Yes
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User Score320 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? Yes
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9 Navicore Solutions Reviews