National Credit Solutions is a credit repair company that has been operating since 2006 and is headquartered in McKinney, TX.

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$79.95 -119.95







The Good

Results are important when it comes to choosing a credit repair company, and National Credit Repair attempts to provide the customer with plenty of that. Testimonials directed to particular consultants are included along with a webpage dedicated to improved credit reports. It should be noted, however, that it can be hard to test the legitimacy of customer testimonials, even if it’s a video or audio clip. But again, National Credit Repair also seems dedicated to alerting the customer of their legal rights in the credit repair industry, which is a good sign of legitimacy.

Visible Results

National Credit Solutions has a web page dedicated to showing dozens of examples of improved credit reports from past customers as recent as November 2015. Deletions are highlighted on each of the forms.

Information on Credit Industry

The company provides links to government websites explaining credit and credit repair law. A company that alerts their customers of their rights as consumers is typically a good sign of legitimacy.

The Bad

The fact that National Credit Repair doesn’t offer upfront information on legal expertise, pricing, or a money back guarantee doesn’t compare well against other industry competitors. Many credit repair companies will give you multiple pricing plans upfront along with a free consultation. It’s also ideal to have licensed attorneys on staff because much of credit repair takes place through legal processes, and some customers may want to have legal representation if problems arise.

No Licensed Attorneys

Although National Credit Solutions has a team with lots of experience, no one on staff is a licensed attorney. This can be a concern since much of credit repair is done through legal processes.

No Upfront Price Information

Potential customers must schedule a consultation in order to gain information on pricing. The consultation is free, and requires the customer’s name, email, phone number, where they got referred from, zip code, and comments/questions.

No Money Back Guarantee

No information was given on National Credit Solutions’ website regarding a money back guarantee, so it can be assumed that there isn’t one.

The Bottom Line

National Credit Solutions may be a good option for those who wish to take the plunge and talk to one of their representatives, but some customers may want to save the time and simply look into other companies that offer more information upfront. Even though customer testimonials are a nice touch, it can be difficult to test the legitimacy of those claims. Customers would do well to look into other top competitors before making a final decision.

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Frequently Asked Questions

How much does National Credit Solutions services cost?

National Credit Solutions does not post packages and prices on its website, rather, the company prefers to speak to potential customers first. A credit consultant will review your credit report and point out the best possible package that will help you reach your credit goals. When speaking to a representative it was explained that National Credit Solutions have five different plans that start cheap and go to expensive. It depends on what is on your credit and what it will take to reach your goal.

Does National Credit Solutions allow me to enroll more than one person or my whole family?

No, National Credit Solutions does not have a couple or family plan.

How does National Credit Solutions repair my credit?

The research and processing staff will help find inaccuracies on your credit report. Having a FDCPA compliance department is what the company believes sets it apart from competitors, and this department helps clients with settlements and repair their credit simultaneously.

Does National Credit Services provide Credit Monitoring?

No, National Credit Solutions does not offer credit monitoring,but hopes to offer it in the near future.

What results can I expect from National Credit Services?

Clients can expect a team of experts in the credit repair field to work on your case. Using the company’s financial expertise to provide you the proper training and education you need to know on how credit really works.

How can I contact National Credit Solutions?

Phone: (214) 504-7100

Email: [email protected]

Address: 2035 Central Cir Suite 110 McKinney, Texas 75069

Storefront location is open Monday–Friday 9:00 a.m.–6:00 p.m. (lunch from 12:30 p.m.–1:30 p.m.). Evenings and weekends by appointment only.

This email is a general email for the company. If you view the company directory, you will find emails that will reach each consultant individually.

More Information

Published Results

National Credit Solutions is registered with the Secretary of State in Texas and maintains a $10,000 Surety Bond for the protection of its clients. You can see first hand results from clients on their website by visiting “Testimonials.” Testimonials are broken down into four categories- written, video, photos, and results.

Price Breakdown

National Credit Solutions has five plans to help you best meet your needs. You will discover the prices and information regarding each plan after your initial consultation. On the website’s Services page it states that some services may incur additional fees

How It Works

Before you go to signup here is a few things to expect before you visit National Credit Solutions website.

  1. National Credit Solution is a full service company.
  2. The company is the leader in credit repair in the state of Texas. If you are looking for services outside of Texas, this will not be the company to handle your credit improvement process.
  3. The average clients receives $2,500 in a settlement cases.
  4. FDCPA compliance department sets National Credit Solutions apart from other credit repair companies.
  5. The company offers an array of services including home purchase coaching, auto purchase coaching, budget programs, debt recovery services, debt settlement coaching, debt management, collection settlement coaching, credit bureau standardizing, continuing education services, and valued partner referral listings.

What to Expect when Signing Up

Step #1: Contact National Credit Solutions

You can contact National Credit Solutions by phone or by submitting the online free consultation form. NCS wants to determine your financial and credit goals at this time. This initial free credit evaluation and consultation will take about 15 minutes of your time.

Step #2: Review Credit Report

National Credit Solutions will pull your credit report and review it for you. This process will determine all the factors necessary for you to reach your goal.

Step #3: Find a Credit Design

You will be presented with a potential credit design to help you accomplish your credit goals.

What Can Be Removed?

National Credit Solutions are able to remove any false or incorrect information on a customer’s credit report. With a FDCPA compliance department that handles consumer collections, National Credit repair also employs a MultiPhase System to produce industry-leading results addressing the following:

  • Slow pays and late payments
  • Collections
  • Repossessions
  • Foreclosures
  • Liens (paid or unpaid)
  • Judgments (satisfied or open)
  • Bankruptcy (dismissed or discharged)
  • Charge-offs (paid or unpaid)
  • Identification inaccuracies

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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2 National Credit Solutions Reviews

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  1. User Score


    February 28th, 2013 Plano, TX

    Another company that basically makes you feel good at the beginning and then forgets you. $1300 investment. Terribly dissapointed win NCS, Mckinney,Tx.

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  2. User Score


    September 20th, 2012

    This Co. acts like they are your best friend and makes you so many promises until they cash your check. When you call and complain because nothing is changing on your report after a long period of time then they come out with the hidden charges and things that didn’t seem legal, wanting you to pay for fake credit. Are you kidding me!!! They charge a lot for very little work and no results. Refuse to give any money back. Stay away from this company!!!

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