COVID-19 Customer Support Center

NetCredit is here to offer you information, tips and government resources to help you navigate during these difficult times. For coronavirus-related information pertaining to your account, please visit our FAQ page.

How to Protect Your Credit

It's more important now than ever to protect your credit score. You can monitor your credit for free at Credit Karma, CreditWise and AnnualCreditReport.com, as well as learn more about your credit score with our module on understanding credit scores and reports. If your financial situation has changed due to the pandemic, the best thing to do is work with your lenders and credit issuers. Please contact us for assistance if this applies to you.

State Assistance

Find information on filing for unemployment and other COVID-19 resources specific to your state.

Federal Assistance

The president signed the Families First Coronavirus Response Act (FFCRA) and the Coronavirus Aid, Relief and Economic Security Act (CARES Act), which will provide relief to individuals and businesses impacted by the COVID-19 emergency. Here are some ways these laws may be able to help you:

Most Americans with a gross adjusted income up to $75,000 are eligible for a one-time direct deposit of $1,200. Married couples with combined income up to $150,000 are eligible for a one-time direct deposit of $2,400, plus an additional $500 per child. For most people, no action is required to receive a payment as the IRS will use their most recent income tax details. For more information, please visit IRS.gov. You can also check out our team’s tips on using the CARES Act relief check wisely.

Some employers with 500 or fewer employees must provide paid sick leave or expanded family and medical act leave, if not doing so already, for those impacted by COVID-19. For more information on paid sick and family leave, please visit DOL.gov or contact your employer.

The federal government will provide an additional $600 per week payment to each recipient of unemployment insurance for up to four months. This is on top of what they are already receiving from their state program. The new laws also add 13 weeks of unemployment benefits through December 31, 2020 for those who are unemployed after their unemployment benefits have ended. Gig workers, independent contractors and self-employed people are also eligible for unemployment during this time.

For more information, please contact your local unemployment insurance program. To find unemployment resources in your area, select your state or district above. You can also read more about dealing with job loss, review resources for finding work after a crisis and see who’s hiring in your area.

Individuals now have until July 15, 2020 to file their 2019 federal income tax return, instead of April 15, 2020. For more information, please visit IRS.gov.

Homeowners with a government-backed1 mortgage may request a forbearance for up to 180 days if they are experiencing financial hardship due to COVID-19. The period can be extended another 180 days if the borrower requests it. In addition, servicers of federally backed mortgage loans cannot initiate any foreclosure process for at least 60 days beginning March 18, 2020. If you don’t have a federally backed mortgage, you still may have relief options. For more information, please contact your mortgage servicer. Check your last billing statement for your servicer's contact information.

For 120 days following March 27, 2020, landlords with government-backed1 mortgages cannot evict tenants or charge fees or penalties for nonpayment of rent.

1FHFA, HUD, VA, USDA, Fannie Mae, Freddie Mac mortgages

All payments on federally owned student loans (not commercially held or private student loans) are suspended through September 30, 2020. During this time, no interest can accrue. For more information, please contact your student loan servicer.

If you are interested in participating in the Supplemental Nutrition Assistance Program (SNAP), check with your state and federal office as the government has increased funding for these programs during the emergency. To find your state and/or federal office, select your state or district in the “State Assistance” section above.

If you are a small business owner, please visit our partner company’s Small Business Resource Center for additional resources for small businesses and self-employed business owners.

All private health insurance providers must provide coverage for COVID-19 testing. If you have symptoms of COVID-19 and want to get tested, call your medical provider or your local or state health department. The CDC website has an overview of COVID-19 symptoms, prevention strategies and news related to the virus.