National Credit Masters is a credit repair firm that has helped many consumers remove negative or inaccurate information from their credit reports. They focus on using disputes to challenge items on a credit report and boost their customer’s credit scores.


The first positive aspect of the company we found was that they have many useful consumer education resources available. This is a big plus for us because our research indicates that companies who offer more consumer education are more likely to help their customers not only get rid of their current credit issues, but also avoid actions which can lead to credit issues in the future. This higher level of customer service and customer satisfaction earns the company some serious points.

National Credit Masters has the additional benefit of their rate and fee structure are very clear, which means consumers know exactly what they’ll be paying should they choose to use the company’s services. Our research indicates that companies with greater transparency frequently get better results in terms of customer satisfaction and customer service.

The final pro we’d like to highlight is that they will refund customers if they aren’t able to help them get items removed from their credit reports. This gives them a boost in our rankings because it shows that they are focused on helping consumers and not on making money. We really like to see these kinds of assurances in the credit repair industry because so much of the credit repair process involves things that the credit repair firm nor the customer has any control over.


National Credit Masters does have some downsides, for example, they don’t use a pay-per-deletion model for pricing, and instead offer monthly rates. This setup means that consumers may be paying the credit repair service to wait for a response from the credit reporting agency in question. This can result in higher costs and doesn’t come with assured results, which could lead to consumers facing a huge bill with no benefit to show from it.

National Credit Masters also lost some points in our review because they don’t offer help with debt collections. While this isn’t strictly necessary to be considered one of the best credit repair services, it does go a long way in helping consumers, and simply making the phone calls and letters stop can be worth the cost of credit repair services.

National Credit Masters also gets bumped down a few rankings because they don’t provide customers with proof of past successes in the form of case studies or before-and-after credit reports from actual clients. This makes it difficult to evaluate how successful the company has been, and also makes it difficult for customers to determine if the firm has the experience needed to work with their specific circumstances


National Credit Masters are an average choice when it comes to credit repair companies. They provide some good services for their clients, but their monthly payment model and lack of consumer information keep them from breaking into the list of the top credit repair companies we looked into for these reviews.