National Credit Federation

• Money-Back Guarantee 
• Partner Discount 
• Legal Help Available 

National Credit Federation offers customers a number of credit repair features unique to top companies. The company has what it calls a "No Risk Member Investment Warranty," which terminates the contract and refunds the customer if no defamatory items have been removed within three months of signup. Additionally, if customers' credit has not improved after the initial six-month membership, they will similarly receive a full membership refund. Along with its credit repair services, National Credit Federation offers legal assistance in cases where legal representation is required (e.g., stopping collection calls, or filing lawsuits against creditors).

Money-Back Guarantee

If credit hasn't improved within six months, customers receive a full refund.

Partner Discount

Discounts are available to significant others in need of credit repair services.

Legal Help Available

National Credit Federation's network of attorneys can represent credit repair clients in court.

• Does Not Send Credit Reports 
• Steep Initial and Monthly Rates 

While some top credit repair companies will request regular credit reports from all three credit bureaus, it appears that this responsibility will fall directly to National Credit Federation customers. Customers are entitled to a free credit report from the credit bureaus once every 12 months; however, if they would like to see their credit reports more often, they may need to pay. National Credit Federation also carries some of the higher monthly rates in the industry, charging an initial fee of $197, $147 per month for the first six months, then $97 per month for any additional time required to repair customers' credit. These rates (particularly those in the first six months) are drastically higher than those of other top companies.

Does Not Send Credit Reports

Customers must request their credit reports directly from the three credit bureaus.

Steep Initial and Monthly Rates

National Credit Federation charges $197 initially, then $147 for the first six months.