National Credit Fixers

2.1

Overall Score

30 User Reviews

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National Credit Fixers was founded and operated by Matt Listro in 1996, and has since achieved a national presence. The company provides competitive credit repair services for both consumers and businesses, and focuses on helping people build good after the repair process has concluded. National Credit Fixers even offers free credit repair to one customer each month. While the company works fast (programs typically last six to 12 months), it also charges considerably more than top companies.

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#41 National Credit Fixers Logo National Credit Fixers

2.1

Overall
Score

30 User Reviews

The Good

  • Flexible Refund Policy 
  • Chance to Win Free Credit Repair 

National Credit Fixers provides a 100% money-back guarantee if the company cannot improve a client's credit score. "Improve" is defined as removing at least 25% of the negative credit items National Credit Fixers was hired to correct within six months from the date of contract. Something else that sets National Credit Fixers apart from other credit repair companies is its monthly free credit repair giveaway. Applicants are required to have bad credit, a financial hardship, and the initiative to send in a letter of interest and current credit report.

Flexible Refund Policy

100% refund is awarded if National Credit Fixers cannot improve clients' credit scores.

Chance to Win Free Credit Repair

Qualified applicants can apply for the chance to receive free credit repair.

The Bad

  • High Monthly Rates 
  • No Attorneys on Staff

While top credit repair companies will usually charge around $99 per month for credit repair, National Credit Fixers can charge up to twice as much; its six-month program runs at $199/month, while the 12-month program goes for $149/month-and those figures don't include the additional $199 setup fee for either plan. And while the company has over 20 years' experience in the credit repair industry, it doesn't appear to have on-staff counsel to assist customers in the legal aspects of their credit repair.

High Monthly Rates

Customers will pay either $199 for six months, or $149 for 12 months.

No Attorneys on Staff

National Credit Fixers does not provide access to legal assistance.

The Bottom Line

Although National Credit Fixers does not provide legal counsel to its clients, the company does have more overall experience in the industry than many of its competitors. The company's refund policy is clearly spelled out and provides customers with a reasonable expectation for how quickly and extensively National Credit Fixers can repair their credit. However, customers can also expect to pay much higher prices with this company than with top companies, and should not bank on receiving free credit repair, as this is only given to one qualifying customer each month. If you require legal assistance and would like to pay less for your credit repair, you might consider investigating top credit repair companies. 

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