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National Credit Fixers


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31 User Reviews


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LAST UPDATED: June 24th, 2021

National Credit Fixers was founded and operated by Matt Listro in 1996 and has since achieved a national presence with more than 20 years' experience.

The company provides competitive credit repair services for both consumers and businesses and focuses on helping people build good credit after the credit restoration process has concluded. 

In terms of credit repair, National Credit Fixers also provides potential clients with a free credit consultation as well as a 100 percent money-back warranty. 

National Credit Fixers even offers a free credit repair package to one consumer each month. In order to apply, applicants must meet the following criteria:

  • Have tarnished credit 
  • Be committed and motivated to improve their credit 
  • Demonstrate financial hardship 

It’s important to note that the company only provides one free credit repair package per month. Applicants who do not win are welcome to continue applying for this offer each month if they wish.

While the company works fast (programs typically last six to 12 months), it also charges considerably more on a monthly basis than top companies in the credit repair industry.

According to the National Credit Fixers’ website, the credit repair company is A+ rated and is a fully accredited BBB business. 

Read on to learn more about National Credit Fixers and to see verified reviews from real customers.

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The Good

  • Free Consultation
  • Flexible Refund Policy 
  • Chance to Win Free Credit Repair 

National Credit Fixers provides a 100 percent money-back guarantee if the company cannot improve a client's credit score. 

"Improve" is defined as removing at least 25 percent of the negative items National Credit Fixers was hired to correct within six months from the date of the 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. 

Free Consultation

National Credit Fixers offer a free credit report consultation that includes a call with one of the company’s credit repair specialists who will go over the client's credit reports from the major credit bureaus to determine the best course of action. 

By going over clients' credit accounts, the company's credit repair specialists can figure out the number of negative items that need to be removed and credit repair services clients need in order to obtain good credit. 

Some organizations within the credit repair industry do not provide free credit consultations like National Credit Fixers.  

Flexible Refund Policy

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

In order to obtain this refund, clients "mail an updated credit report from each of the three major credit bureaus every 45 days for the warranty to apply."  

The company’s website also states that this warranty applies to inaccurate items that the company is “contracted to remove by ‘the client.’” 

Some negative items that are added to the client’s credit report after the client signs up for National Credit Fixers’ services “may be included in the warranty at the discretion of National Credit Fixers LLC.” 

Chance to Win Free Credit Repair

National Credit Fixers provides a special opportunity once per month that gives qualified applicants the chance to receive free credit repair services. 

The winners of this free credit repair opportunity will receive the same level of credit repair service that all of the company’s other clients receive. 

According to the company’s website, consumers must meet the following requirements in order to apply for a chance to win free credit repair: 

  • The applicant must have “tarnished credit”
  • The applicant must be motivated to improve their credit
  • The applicant must have some sort of financial hardship 

Additionally, the company requests the following information via email when applicants are ready to apply: 

  • A letter of interest that also states the applicant’s financial hardship 
  • A copy of the applicant’s current credit report 
  • Contact information of the applicant 

Those interested in this chance to win free credit repair services should keep in mind that the company only gives out one free credit repair package per month. 

Applicants who do not win one month can continue to apply each month as long as the company continues to provide this offer.


The Bad

  • High Monthly Rates 

High Monthly Rates

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. 

The credit repair company’s six-month program runs at $199 per month, while the 12-month program goes for $149 per month, and those figures don't include the additional $199 setup fee for either plan.


The Bottom Line

In terms of credit repair, National Credit Fixers offers a free credit consultation along with individualized credit repair services. National Credit Fixers also provides extensive credit-related educational resources on its website that all website visitors can easily access to learn more about credit and credit repair. 

When it comes to the company’s warranty, National Credit Fixers provides quite a bit of helpful information on its website. The company's refund policy is clearly spelled out and gives customers a reasonable expectation for how quickly and extensively National Credit Fixers can repair their credit.

The company also offers people the opportunity to apply for free reputable credit repair each month. This opportunity benefits those who are dealing with financial hardships and who cannot afford to pay for credit repair services.

National Credit Fixers states on its website that it gives free credit repair winners the same level of top-tier credit repair service as its regular clients. Those who don’t win are able to continue to apply for the free credit repair package each following month. 

Potential clients should 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, with bad credit, each month.

If you require legal assistance and would like to pay less for your credit repair, you might consider top credit repair companies to improve your credit.  

View Best Credit Repair Companies

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