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National Credit Fixers

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6.7

Overall Score

Author: Kaitlyn Short

LAST UPDATED: June 3rd, 2024

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.

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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.

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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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Star Rating

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4.2

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34 Reviews

Review Breakdown

5 grade

76%

4 grade

3%

3 grade

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2 grade

0%

1 grade

21%

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Jesse Ogden, UT

This company is only good to send first round of disputes. They cannot help you if the creditor disputes back. They simply keep sending another round of disputes over and over and over and over without ever really challenging the creditor directly. They do not have the experience they claim. I lost over $1000 on this company with no real true result. They keep doing the same thing over and over again expecting a different result. Their case managers must be overworked because they cannot remember anything you tell them and you have to retell them every time once a month they contact you to send another round of disputes just before they can bill you again.

6 years ago

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Reply from National Credit Fixers

I have searched our system and found that we have never had a client named Jesse from Utah so I was unable to review your particular situation. I suspect that you may not have been a "real" client of ours or that perhaps you have us confused with another company. I can tell you that we are actually know for our furnisher disputes. It is something that I have trained many other credit repair companies across the country on how to do at the annual CreditCon Convention.

Sep. 5th, 2019

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Msett

You should avoid this company like the plague..I got referred to these clowns by someone I thought I could trust, and boy was I wrong..This guy listro is an arrogant, lying, little weasel and a total fraud..I wasted a TON of money with these people for ZERO results, and totally also wasted my time..Be VERY careful with these people if you make the mistake of dealing with them..But my advice is DONT

1 year ago

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Unhappy Customer 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.

10 years ago

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Amy Philadelphia, PA

STAY away frim this company, it is a waste of money. Terrible customer service, No one returns calls. They only look at your account once a month and don't care. I was hoping to partner with someone to get guidance, help and support. They advertise that the owner Matt Listro will answer all of your questions he never called me back! Don't waste your money.

12 years ago

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Lee West Haven, CT

They never call you back or return your email questions after they have your money and get you to sign a contract. The only time I got a call back was when I stopped payment on a check so I could speak with someone. They all defer to Matt the owner and he will sweet talk you until you sign on the dotted line. I have been with them for 6 months and checked my credit report and nothing has changed. This is the real score!!!

12 years ago

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Malcolm Bridgeport, CT

This company is a waste of time and money. You call and never hear back. You email and never here back about updates or anything. Then when you go over things with the girls in the office its almost as if you should just be doing the work yourself. What a waste of time.

1 year ago

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John W. Dallas, TX

This company is a total scam. Same thing happen to me as Lee. Matt sweet talks you but never does anything to help your credit after 6 month... I feel like a sucker.

12 years ago