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National Credit Federation

Guarantees and Warranties Included

Our Score
User Score

natl_federation1 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 6 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 Yes
$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. National Credit Federation offers a free E-book “How to Restore Your Credit Legally…” to help customers restore their credit.

National Credit Federation offers a free consultation to determine whether or not National Credit Federation would be a good fit for you.

The Bad

National Credit Federation has no rating by the BBB.

The Bottom Line

With every company, we recommend doing your own research to make sure it is the right fit. National Credit Federation provides consumers with helpful resources to restore credit and offers a money-back guarantee. While they have some good qualities, we believe there are companies better suited for your credit repair needs. 

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!

9 National Credit Federation Reviews

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  1. User Score
    Elvin Sosa
    March 23rd, 2015 at 12:51 pm
    1 people found this review helpful!

    My name is Elvin Sosa and, I like working with NCF, especially with Monique Martin. I’m real grateful, I started with a 500 score and now I’m up to a 700. Now I can move on with my life and am able to establish my credit.

  2. User Score
    Natasha Taylor
    March 6th, 2015 at 7:50 pm
    0 people found this review helpful!

    Joining NCF was the best decision that I could’ve made last summer. I was skeptical of the program, but everything has gone exactly as I was told it would. I like that there are no hidden fees, and I can stop anytime I am ready without penalty. When I make contact someone always gets back to me in a timely manner. Most importantly my credit score has gone up tremendously, and my family and I are finally close to being able to qualify to purchase our first home, I’m very excited about that, so thank you.

    Natasha Taylor

  3. User Score
    Caprice B
    February 28th, 2015 at 4:00 pm
    0 people found this review helpful!

    “I started the program with NCF about a year ago with credit scores in the low 400’s and now have scores in the high 600’s.My biggest goal was to be able to trade out of my high interest rate car into a new BMW. I was just recently approved for a new car loan at 3.74%!

    Never in my entire life had I received an interest rate that low. This was a result of working with National Credit Federation, Me doing my part and them doing their part. They were diligent about helping & they were pleasant and professional to work with. If you are looking to boost your credit I would highly recommend National Credit Federation.

  4. User Score
    Danny & Brenda Durham
    February 12th, 2015 at 3:28 am
    0 people found this review helpful!

    We want to thank NCF for the hard work that Monique and Krista have done for me and my wife and that their hard work is paying off for us. We are seeing the results and are getting the benefits and it is amazing!! We did not think that our credit was reparable after a hard time we went through some years back.

    But once again thanks to NCF, Monique and Krista they gave us confidence that they could make a difference for us. This change in our credit is awesome and for the better. We just purchased a new car for my wife and I was able to buy a 2015 Camaro with 3% interest (WOW).

    Just two years ago I bought a used 2001 Dodge truck that’s not worth much and I still had an interest rate of 19% over a 3-year loan ouch . . .

    I am just blown away at the results from National Credit Federation, Our dream is to buy a home and we are so close to be able to make that come true. We will start looking early in the New Year.

    Once again thank You NCF, Monique and Krista.


    Danny & Brenda Durham

  5. User Score
    Shayne Highfield
    February 12th, 2015 at 3:24 am
    0 people found this review helpful!

    I have had a wonderful experience with NCF in particular with Monique Martin. She has been instrumental in getting my credit score for a 605 to a 711 in two months. I am looking forward to her continuing to improve my credit to the best possible score.

  6. User Score
    Ryan Larson
    January 28th, 2015 at 9:56 pm
    0 people found this review helpful!

    Thank you NCF for being the best in the business at fixing credit. I have been sending every client that does not credit qualify over for the last 3 years. This nets me at least one closing a month that I would not have had. I like the extra money it makes me annually but more importantly they help solidify my Realtor relationships. They always know exactly where my client is in the credit repair process and when to get them back over to me. They keep the referral source saved with the file. It goes a long way when I tell a Realtor that a client they have completely forgotten about is ready to buy a house because NCF made their 520 middle score go to a 660.

  7. User Score
    Tina Nero Joseph
    January 28th, 2015 at 9:53 pm
    0 people found this review helpful!

    I want to say thank you for all of the personal attention you have provided for Damon and I. In just the short amount of time, our credit scores have increased over 100 points!!! You have been available to answer our questions and concerns from the beginning. National Credit Federation has exceeded our expectations, and we are hopeful that the results will continue to increase!! Thanks Monique & NCF for everything!!!

  8. User Score
    January 15th, 2015 at 4:36 am
    0 people found this review helpful!


  9. User Score
    Lisa Chambers
    July 17th, 2013 at 7:29 pm
    0 people found this review helpful!

    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.

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Ratings Breakdown


$197 setup fee + 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

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Review Last Updated: February 2, 2015

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