News Update: "Consumers need to be more cautious in vetting (credit repair) companies with which they do business." - BBB Study
Call Now! 1- (866) 623-0204

National Credit Federation

Guarantees and Warranties Included

Our Score
User Score

On paper, National Credit Federation looks like a top-notch company. However, with complaints on the BBB and almost purely negative reviews, we’d be wary before signing up with this credit repair company.

natl_federation1 natl_federation federation

The Good

National Credit Federation offers a “Consumer Protection Warranty.” This ensures that if no derogatory items are removed from your report in the first three months of using their services, National Credit Federation will terminate your membership and return all membership fees that you have paid, upon request. The company also guarantees that if your credit score has not increased after twelve months of membership, they will refund one hundred percent of your membership fees.


National Credit Federation

BCRC Rank Monthly Price Licensed Attorneys Our Score
$147 No
$59 - $99 Yes
$89.95 Yes
$59 Yes

The company also an educational resource, Credit University, on their site. It’s great to see companies working to educate their clients.

The Bad

National Credit Federation is not accredited by the BBB. While most complaints filed with the BBB against National Credit Federation were closed with BBB mediation, there are also reports of serious mismanagement. In one particularly bad incident, National Credit Federation’s National Director failed to honor the consumer protection warranty and sent “suspicious” information regarding the client’s credit profile to credit report company Experian. More generally, National Credit Federation has received media attention only through its aggressive promotion of self-published e-books. What services will be performed for you and when are never explicitly stated. On top of this, the company’s fee structure is not in keeping with the Federal Credit Repair Organizations Act.

The Bottom Line

Be cautious. You should always do your own investigation on a credit repair company before you choose to sign on. However, while it is difficult to find much information about National Credit Federation, most personal testimonials we found from customers were negative.  Its rigid fee system, lack of clear goals and methods, and track record with customers as being suspicious do not bode well for this company. 

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

1 National Credit Federation Reviews

Select Your Rating:


* For verification purposes, please provide the email address you used when signing up with this credit repair company.

  1. User Score
    Lisa Chambers
    July 17th, 2013 at 7:29 pm

    I was extremely skeptical of NCF or any other credit repair agency. I was encouraged to try them by my mortgage broker because we had short sales that had been reported as foreclosures in our credit report, and we could not qualify for a loan. NCF did do what they said they were going to, and much to my surprise, they were able to get the “foreclosure started” notations removed from all three credit reports. It took several months, but they came through in the end. I would definitely recommend NCF to someone who has a similar problem. I am very happy to have my credit reports fixed.

Our Score
User Score
Rank this Company
Ratings Breakdown


$197 Startup + Monthly

Time in Business

Total # of years
7 Years



Money Back Guarantee?

Credit Reports

Equifax, Experian, TransUnion

Score Updates

Equifax, Experian, TransUnion

Licensed Attorneys

Are There Attorneys on Staff?

Case Setup

consultation, evaluation etc.

Site Security

Active Website SSL?

Number of Reviews

User reviews here on BCRC

This Review is maintained by

Review Last Updated: June 11, 2014

Recent News:
Want us to review a company?
If you have a credit repair company that you don't see on our site, please email us at:
Real Reviews (yes they're real)

With so many credit repair companies out there, and a lack of sites willing to bring you the REAL breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing out the truth, and so we rank credit repair companies as they should be. Through our investigation and experience with each company we bring you our honest, unbiased opinion and ranking. We also include real user reviews by past customers of each company, which are verified and authenticated.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 9-Point Ranking Criteria.

All reviews are subject for moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before reviews or comments will be approved and published. We reserve the right to approve or deny any reviews left on this site.