National Credit Federation is a nationwide credit repair agency headquartered in Tampa, FL. The company provides a number of standard credit repair services and legal assistance, as well as some guarantees and discounts that are unique to the industry. However, National Credit Federal also charges considerably more for its services, and customers may find themselves doing more legwork than they expect.
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.
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.
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.
Frequently Asked Questions
How much does National Credit Federation services cost?
To get started with National Credit Federation costs $197. After the first 30 days on a monthly basis, members pay $147. If after six months members aren’t seeing the results they expected, another fee of $97 is required to continue.
Does National Credit Federation allow me to enroll more than one person or my whole family?
National Credit Federation offers discount plans for members and their significant others.
How does National Credit Federation repair my credit?
National Credit Federation helps its members repair their credit through credit education, legal help access, and credit repair consultations.
Does National Credit Federation provide Credit Monitoring?
National Credit Federation does not provide credit monitoring.
How long will it take before I start to see results with National Credit Federation?
Consumers can expect to see results within 1–6 months of working with National Credit Federation.
What results can I expect from National Credit Federation?
Consumers can expect to see their credit score improve and also expect to improve their financial knowledge.
How can I contact National Credit Federation?
Here are the different ways consumers can contact National Credit Federation:
Mailing address- 2803 West Busch Blvd. Suite 210, Tampa, FL 33618
Email- [email protected]
The only published results shared by National Credit Federation are the thank yous of many satisfied customers. National Credit Federation has not released any published statistical results data.
National Credit Federation has three price points:
To Get Started – $197 one time charge – for a detailed audit and personalized credit score blueprint
Months 1-6 – $147/month – 30 days after initial audit, customers will be charged this amount in order to cover document preparation, credit disputes, and verification programs
Months 7+ – $97/month – This amount will be charged to customers per month to cover any further document preparation, credit disputes, and verification programs after the completion of the 6-month program.
Members of National Credit Federation will receive the following services and programs:
Custom Online Budgeting Tool – used to organizing and viewing all of your financial accounts in one location. Customers can set budgets, monitor spending, and set financial goals.
Personalized Credit Repair Blueprint – A 50-page document that breaks down each aspect of a customer credit report. This report provides personalized advice, recommendations, and suggestions on what customers need to stop, start, or continue doing in order to repair their credit.
Member Investment Warranty – National Credit Federation agrees to refund all membership fees and terminate the agreement if they are not able to remove any derogatory items off a customer’s credit report as long as the customer has complied with the terms of the membership agreement.
Partner Credit Repair – Discounts for enrolling a significant other.
Credit University Access – Educational resources for customers to be able to learn from credit experts about credit reports, credit scores, debt collection laws, and more.
Legal Access – Customers gain access to National Credit Federation’s Legal Club network of attorneys to help answer any legal questions or represent you in court if needed. Restrictions do apply, so customers are encouraged to talk with their case manager for full details.
How It Works
National Credit Federation offers a simple three-step process. The process includes:
- Discuss – Customers will discuss and review their credit history with one of National Credit Federation’s trained consultants to create an appropriate gameplan.
- Delete – National Credit Federation’s trained consultants will create the necessary dispute documents to be sent to the credit bureaus in order to delete inaccurate, misleading, or unverifiable items from a customer’s credit report.
- Delight – Over time, customers should start to see items deleted from their credit history. Customers will begin to start accomplishing their financial goals.
What to Expect when Signing Up
Consumers can expect a relatively quick sign up process online to receive access to the resources of National Credit Federation. The process will include:
- Provide National Credit Federation with your first name, last name, email, and phone number.
- A credit counselor will then contact the customer to discuss the customer’s options.
- Then the customer will provide further information like payment information and information necessary to pull their credit report in.
What Can Be Removed?
With the help of the National Credit Federation, consumers can remove faulty or inaccurate pieces of information that negatively affect their credit score. National Credit Federation will go through credit reports to identify and eliminate any misleading information that will prevent consumers from achieving their credit score goals