Since 2008, National Credit Advisor has been assisting clients with credit repair. The firm states they have helped over 100,000 people improve their credit and financial future. National Credit Advisor’s slogan reads, “free yourself from bad credit and get the life you want by repairing your credit”. This focus on repairing credit to get the life you want is a great perspective for potential clients.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#4
National Credit Advisor Reviews

$89.99
8.6

The Good

National Credit Advisor strives to make their process as easy as possible. Potential clients can submit a form online or call in to talk with someone on the National Credit Advisor team. The firm provides a free consultation and discounts to veterans, spouses, family members, and friends. In addition, they have several other good features, such as:

  • Personalization: National Credit Advisor states that they provide a customized credit evaluation and a personalized credit strategy, focusing on each client’s unique credit situation.
  • Certified Credit Experts and Licensed Attorneys: The National Credit Advisor team is comprised of licensed attorneys and certified credit experts working on client’s cases. In addition, the firm’s credit experts pull credit reports on behalf of clients.
  • Money-Back Guarantee: The firm offers a money-back guarantee to clients who use their services.
  • Client Online Dashboard: Client’s are able to see their credit repair progress online 24/7 with an online dashboard.
  • Low Setup Fee: A lot of companies charge over $100 for a setup fee. National Credit Advisor only charges a one-time credit report charge of $9.95.

The Bad

Even though National Credit Advisor has helped hundreds of thousands of people with credit repair over the past 8 years, there are a few drawbacks to consider.

  • One Option: National Credit Advisor doesn’t offer a “pay-per-deletion” plan, only a monthly payment service.

The Bottom Line

National Credit Advisor definitely focuses on a client’s future and provides a personal approach to credit repair. Also, they have certified credit experts and licensed attorneys on staff, helping with client’s cases. And they offer a money-back guarantee. However, which is concerning, and they only provide one option for their potential clients. Overall, National Credit Advisor is a good option for credit repair.

Frequently Asked Questions

How much does National Credit Advisors services cost?

National Credit Advisors has only one monthly service fee$89.99/month – This service includes a copy of your credit report, professional credit evaluation, credit bureau disputes, recommendation letters, personal case advisor, and much more.

Does National Credit Advisors allow me to enroll more than one person or my whole family?

National Credit Advisors does allow you to sign up with a family or household member They do offer a discount, but do not disclose this discount on its website.

How does National Credit Advisors repair my credit?

National Credit Advisors repairs your credit in three simple steps. First, they evaluate your credit report with you to find out what information is correct and incorrect. Then they create a personalized strategy to dispute the incorrect information with the three credit bureaus. As they go through the dispute process, you are able to sit back and watch the positive results.

Does National Credit Advisors provide Credit Monitoring?

National Credit Advisors does not offer credit monitoring, but does offer a credit evaluation and provides a copy of your credit report.

What results can I expect from National Credit Advisors?

National Credit Advisors advertises a 92% success rate for customers within the first 3 months. They also average 15 removals per customers.

How can I contact National Credit Advisors?

You can contact National Credit Advisors by:

Phone: 1-866-462-9780 ( Mon-Fri 7am to 7pm PST, Sat 7am to 1pm PST) or by visiting their site

Published Results

National Credit Advisors has published a variety of statistical results. They advertise that:

  • More than 92% of its clients see positive results within the first 90 days.
  • 15 improvements per customer on average.
  • Trusted by over 100,000 customers.

Price Breakdown

National Credit Advisors offers one monthly service fee. Below is a breakdown of that service:

Monthly Service Plan – $89.99/month

  • Copy of your credit report
  • Professional credit evaluation
  • Credit bureau disputes
  • Personal case advisor
  • Reporting dashboard
  • Personal score recommendations

How It Works

Step #1: Sign Up Process

When you sign up, your credit reports will automatically be pulled for review. You will receive a welcome email and a phone call from a certified credit analyst from National Credit Advisors. They will begin to create a custom credit repair case. The credit analyst will make sure you understand the entire repair process, as well as answer any questions.

Step #2: Dispute

Now the real work begins. The experts at National Credit Advisors will create a personalized strategy that includes interacting directly with the credit bureaus.  They will identify items that are inaccurate and have those negative items removed from your credit reports. They will then stay in contact with the credit bureaus to ensure the appropriate action has been taken.

Step #3: Results

All you have to do at this point is sit back and watch the progress. National Credit Advisors experts will continue to repeat the dispute process until all as many negative items can be removed from your credit report. They report that most customers will begin to see improvements within the first 90 days. You will be able to see the progress through National Credit Advisors reporting dashboard.

What to Expect When Signing Up

Before you go to signup here is a few things to expect before you visit National Credit Advisors website.

  1. You will be brought to their webpage with a two different options to getting started.
  2. By clicking “Get Started” you will go through a simple 3-step process.
  3. First, you’ll be asked for contact information including: first and last name, email, and phone.
  4. Next you will proceed to enter in your address and payment info to process the $9.95 first time fee, as well as $89.99 fee for monthly plan.
  5. The last step is to comply and sign regarding National Credit Advisors legal agreements.

After that, be ready to receive a call from a representative.  Then you will be on your way to repairing your credit. Make sure to come back and leave a review of your experience.

What Can Be Removed?

National Credit Advisors is able to remove any false or incorrect information on a customer’s credit report. These negative items include (but are not limited to):

  • Bankruptcies
  • Foreclosures
  • Tax Liens
  • Late Dates
  • Repossessions
  • Judgments
  • Collections
  • Charge-offs
  • Inquiries
  • Incorrect Personal Information

However, an important point to remember is that National Credit Advisors can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. National Credit Advisors cannot remove negative items that are 100% accurate and free from error.

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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21 National Credit Advisor Reviews

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  1. User Score

    0

    December 1st, 2016 Georgetown, TX

    I paid 90$ for noting ,I didn’t get any mail from any credit bureaus,and it didn’t change anything,I never call again this company because they didn’t do anything

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  2. User Score

    0

    November 28th, 2016

    This company is a Scam.. Paid them $89.99 for 6 Months to remove credit inquires They said it would be 6 months or less to remove them Finally i had to Fire them due them Stealing Extra 89.99 out of our account.. They said it was a Accident but how do charge someone on the 14th and then again on the 25th in the same month… No Accident they just got caught.. They say if they don’t remove at least one Mark on your credit in 6 months they will refund your money Well they Removed 0 from our’s and said we don’t Qualify for a Refund and when asked why we don’t Qualify all they would say is we don’t Qualify and could Never come up with a reason… Bunch of Crooks.

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  3. User Score

    0

    November 15th, 2016 Massapequa, NY

    On 11/14/16, I called them to sign up for their service. I don’t have too many negative items. Just 3 late student loans from 2014 on Ex and Eq and only 1 on TU. Nothing else. I myself know a lot about credit repairs. 6 months back I had Federal Tax Lien, State Tax lien, Late credit cards and collection items. All together 14 negative items I removed myself after spending lot of money to some renowned and well known credit repair companies.Anyway I called the National Credit Advisers and I was told only 9.95 upfront to pull up the credit reports, which is normal.I gave them my credit card number and then I got a notification from Experian Credit Monitoring that a Hard pull was done.Hard pull…it means I am applying for a new credit card or loans.But they should have used soft pull not hard pull.I asked them the reason.They started lying..a hard pull is occurred even when fico score is pulled up.Which is absolutely a flat lie.I told them if you do hard pull as creditor do,then you shouldn’t have charged 9.95.After fighting with them for 40 minutes,I told them I am going to report them at the FTC,BBB and to the State Attorney General’s office. Then they backed up and issued the refund for $9.95. Please beware off this Company.And no matter what company you use, make sure to ask if they are going to do a hard pull or soft pull on your credit report.If it’s hard pull then immediately hang up the phone because a hard pull is always free for what you should’t be charged.

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  4. User Score

    8

    May 5th, 2016 Lynn, MA

    Back in February I have decided to go with National Credit Advisor to help clean up my credit report. I was nervous at first, the thought of wasting money came to mind. However, in the first 45 days I had 1 account deleted off my report from all 3 credit bureaus. We are now in the second round of disputes. We are disputing 3 accounts total. Two to go. 🙂 Feeling good vibes.

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    2 1

  5. User Score

    10

    April 20th, 2016 Garden City, NY

    Just wait till you get your results! I received my 2nd round of disputes results from the bureaus and I don’t believe how much National Credit Advisor has already had removed for me. It hasn’t even been 3 months, I would choose them over any other credit repair company.

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    7 1

  6. User Score

    7

    March 3rd, 2016 Houston, TX

    They didn’t get everything taken off but they did get my score high enough to get a loan. I didn’t want to keep paying them if I already got approved so I cancelled. They did what they promised.

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    5 1

  7. User Score

    10

    February 19th, 2016 Houston, TX

    I got into some trouble with credit and I needed help. I ended up getting in touch with a few companies, after checking out my options I decided to go with these guys. The gentleman I spoke with on the phone was very helpful and they have deleted most of the items we chose to dispute.

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    6 1

  8. User Score

    10

    February 18th, 2016 Houston, TX

    National Credit Advisor has been so good with helping our credit repair. My fiancé and I are both over 700’s now. Highly recommended

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    5 1

  9. User Score

    9

    February 13th, 2016 Visalia, CA

    I went with these guys over some of the other companies I looked into. I was convinced once I talked to Terrence who gave me my consultation and ended up being the analyst assigned to my case. He told me how he used the service himself after having his identity stolen. He highlighted the items that were hurting my credit and went after them. For the first few months every time I got a new letter from one of the bureaus it seemed like I had a new improvement. My score is now a 734!

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    4 1

  10. User Score

    9

    February 11th, 2016 Cypress, TX

    I can’t complain, I got rid of my bad credit and got a mortgage for a house for 90 bucks a month. You can’t expect it to happen overnight, it took a few months but I got my results.

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    3

  11. User Score

    9

    February 11th, 2016 Columbus, OH

    I have been with National Credit Advisor for a few months. I was skeptical at first because I heard mixed messages about credit repair from friends, but Jag was very good at explaining how the process works. People should know that there is some work involved and it doesn’t happen overnight, but if you’re patient you’ll get results. I signed my mortgage this morning!

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    2

  12. User Score

    10

    February 10th, 2016 GA

    Going with these guys to repair my credit was definitely the right decision. I didn’t spend too much and I saw some major improvements on my score. My credit is good enough to make my first ever home purchase. I signed the mortgage yesterday!

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    2

  13. User Score

    9

    February 2nd, 2016 Washington, DC

    My score jumped from 640 to 724 in in only 90 days. I would definitely recommend these guys to anyone.

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    3

  14. User Score

    9

    January 22nd, 2016 Houston, TX

    I have nothing but good things to say about these guys. On top of getting the items remove from my reports on the three credit reporting agencies, they set me up with a secured card and gave me tips to build my credit

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    2

  15. User Score

    10

    January 19th, 2016 NJ

    Just picked up the keys for my NEW HOME. My credit took a big hit after I lost my home in 2009. National Credit Advisor was able to have the majority of negative items removed within the first 90 days, which boosted my score enough to qualify for an amazing loan.

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    1

  16. User Score

    10

    December 16th, 2015 Chicago, IL

    I would recommend National Credit Advisor to anyone looking to repair their credit. I have been in the program since August and my score raises with each round of disputes that goes out. It’s already gone up over 60 points!

    Thank you National Credit!

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    2

  17. User Score

    10

    December 10th, 2015 Piscataway, NJ

    I have been in the program for a few months and they are definitely doing what they promised, I’ve seen multiple items come off of my reports with Experian and Transunion and hopefully with the next round of disputes I’ll see things come off of my Equifax report. National Credit Advisor hasn’t disappointed!

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    2

  18. User Score

    10

    December 8th, 2015 Piscataway, NJ

    I have been using National Credit Advisor to get inaccurate items removed from my credit score since August. My dedicated account rep Jag has been amazing throughout the process. From the easy set up call where we went over my credit report and he showed me which items he would dispute to setting me up with an online dashboard to monitor the progress on my credit score I am now starting to see serious results!Definitely recommended.

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    4

  19. User Score

    10

    December 4th, 2015 Garden City, NY

    I’m very happy with my decision to choose National Credit Advisor. I was able to go through a free credit consultation with Jason before deciding to enroll in their services. I’ve only been using National Credit Advisor for 3 months now and they have gotten multiple negative items removed from my credit reports!

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    1

  20. User Score

    10

    December 3rd, 2015 Jacksonville, FL

    Choosing a company to repair my credit in order to qualify for a loan was more difficult than I thought. I went with National Credit Advisor because I was assured by my personal credit analyst that all of the questionable items on my credit report would be aggressively disputed, and that I should see results within a six month time frame. They removed 6 items and raised my credit score by close to 70points!

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    1