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.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#24
national-credit-fixers

$149 - $199
5.9

The Good

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

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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30 National Credit Fixers Reviews

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  1. User Score

    10

    September 2nd, 2015 Atlanta, GA

    I don’t know what the last person was talking about. I have been to their offices and everything is top notch. The people are great and responsive. They worked hard on my case and I actually got 100% deletion on my file. I know that does not happen to everyone, but I saw them put in alot of effort on by behalf. If you are looking for top notch work – I would recommend them.

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  2. User Score

    1

    June 30th, 2015 Bryan, TX

    Cost is high for poor to average quality work. Our processor was rude and there is was little to no communication. Submitted several complaints, and nothing was done. Asked for our file of the work that was “done” since the results were not great and only got a copy of everything we sent them! We also read decent reviews and decided to give it a try anyways. We learned from our mistake. Beware of the rave reviews you read…..they pride themselves on having an A+ rating on BBB even though they have negative complaints on there and are not even BBB accredited.

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  3. User Score

    10

    June 16th, 2015 Federal Way, WA

    NCF they are the best very professional I had a great experience whit them I want to thank specially to Jessica Briere for her outstanding job she did for me more than I was expecting. So glad I found this company.

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  4. User Score

    10

    June 15th, 2015 Middletown, CT

    I own a house and its all because of them. Went above and beyond. Completely pleased with the service. Would recommend in a heartbeat.

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  5. User Score

    10

    June 15th, 2015 Lebanon, CT

    National Credit Fixers is the premiere aid in credit repair. Talk with Jessica, she is the best!

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  6. User Score

    10

    February 26th, 2015 East Jewett, NY

    OMG – I just got my settlement check! Not only did these guys fix my credit but they caught one of collectors being naughty. They got me their lawyer – and they got me a settlement – and just got my settlement check for one thousand dollars – yes $1,000 dollars!

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  7. User Score

    10

    February 16th, 2015 Cambridge, MA

    Just started working with Credit RepairFixers they threw me a life line when I needed most Matt and his team are fantastic

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  8. User Score

    10

    February 16th, 2015 CA

    I’m more than satisfied with NCF and I’m very content with myself for making such a good decision in reaching out to them ! After NCF worked on my case , my credit score jumped tremendously and I went from not being able to have one credit card to having multiple and being able to qualify to buy a home . Before NCF began to work on my case ,I had no clue how to defend myself from collectors , receiving numerous calls all day and when I joined NCF , the calls stopped and I felt relieved because I knew someone had my back and was representing me . Not only did my credit score jumped up, but they had lawyers representing me on a collectors harassment claim for no additional cost . The case was won and I received a check of $700 in the mail ! NCF goes above and beyond for their clients , being so friendly and helpful at all times . I would definitely urge anyone having credit problems to contact NCF , they will definitely make a HUGE impact in your credit score .

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  9. User Score

    10

    January 7th, 2015 East Hartford, CT

    I never bothered to pay attention to my credit when I was younger… And that’s probobly why I had a score just under 500. That, as a semi functioning adult was my worst mistake I made. Not untill my sister told me about her amazing experience with the incredibly professional certified credit experts at NCF. I simply could not believe her amazing reviews, untill I signed on myself! 🙂 Within a short period of time, my score went to 668!!! The staff is ethusiastic, kind, and dedicated to “Achieving the American Dream…” What an easy process!! I wish I’d done this sooner… Considering they have been in the buisness for nearly 18 years!!!!!! CALL TODAY!!!! You will not regret it!

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  10. User Score

    10

    January 7th, 2015 Manchester, CT

    Everyone I’ve had the pleasure of speaking to at National Credit Fixers was overly friendly and knowledgeable in every aspect of credit repair. They were able to answer any questions I had and put my mind at ease. They have already helped improve my score in such a short amount of time- I didn’t think it was possible! Now I’m on the right track to getting my mortgage. Thank you to the NCF crew!!

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  11. User Score

    10

    December 19th, 2014 Willimantic, CT

    Absolutely best credit repair company around…I felt I had hit rock bottom and there was no way to fix the credit mess I was in (especially after working with 2 other credit repair companies and getting nothing for it). Oh boy, was I wrong. Within the short period of time that I worked with NCF I was finally able to purchase my dream home for my growing family and I couldn’t be happier. The NCF crew really made my dreams come true and I wouldn’t recommend going anywhere else 🙂

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  12. User Score

    10

    November 6th, 2014 Vernon Rockville, CT

    Excellent staff. Great attention to detail, prompt communication, let alone the fact that they got me where I needed to be for my mortgage! A+++!

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  13. User Score

    10

    October 31st, 2014 Vernon Rockville, CT

    For 3 Years I was trying to get a mortgage , I was unable to due to my credit! When I signed up with NCF I didn’t realize I would be getting feedback every step of the way about the progress of my Credit report. Within 6 Months I was ready to proceed with getting my mortgage!!!! I cant believe how amazing these people are at fixing credit problems!! NO JOB IS TOO BIG OR TO SMALL FOR THEM!

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  14. User Score

    8

    June 14th, 2014 Clark, NJ

    I actually like the work they did. I spoke to Matt only once, but the others were good especially Michelle. Hey the great part is I received a check for over $900 because a creditor violated my rights. They cleaned my credit up nicely. I sent numerous emails asking do they have tips on building credit back up in my particular instance nobody ever answered. I took points off for that.

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  15. User Score

    10

    October 26th, 2013

    Great service, wonderful people, reliable results – You can’t ask for much more than that!!!

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  16. User Score

    10

    October 25th, 2013 South Windsor, CT

    Did a great job for me helped raise my score so I could get back on track. I have referred colleagues and family and know they have been happy as well. It does take some time but it is well worth it!!!

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  17. User Score

    10

    October 25th, 2013 San Diego, CA

    I have been aware of Matt’s work for six years now and he never fails to amaze me with his professionalism, his enthusiasm for his work, and his enthusiasm for helping people.

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  18. User Score

    10

    August 25th, 2013 Springfield, NJ

    I am a loan officer. I have used many other credit repair companies in the past – none can hold a candle to National Credit Fixers! Take it from someone who has tried quite a few companies – this is the only one I recommend now.

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  19. User Score

    10

    August 25th, 2013 South Windsor, CT

    I givethis company a thumbs up! They worked for me. they were worth every penny I paid them. When you want REAL results – this company is the REAL DEAL!

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  20. User Score

    10

    August 25th, 2013 Clearwater, FL

    I was referred to this company by a friend who used them, and was VERY happy with the results! I am so happy I did. Within the first three months my specialist Nikki had gotten 6 items dropped off my credit report, and my score raised high enough for me to start looking at homes. I am now living in my new home, and it is all thank s to NCF, and there GREAT team! NCF all the way! I WOULD HIGHLY recommend to EVERYONE!

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