National Credit Federation

What National Credit Federation does

National Credit Federation (NCF) is a privately held, membership-based credit repair organization headquartered in Tampa, Florida, founded in 2007 and operating at a reported headcount of 501–1,000 employees. Its core service is attorney-facilitated credit restoration: NCF enrolls individual consumers whose credit reports contain inaccurate, misleading, or unverifiable items and uses affiliated attorneys to issue formal legal challenges on letterhead against the three major credit bureaus (Experian, Equifax, TransUnion). The stated differentiator versus standard credit repair is that attorney-issued disputes are routed to live-person review at the bureaus rather than auto-verified through the e-OSCAR electronic dispute system. Members progress through a three-step "Discuss, Dispute, Delight" process supported by a member portal (ncf.disputecrm.com), assigned case managers, and attorneys, with a 24/7 login for status tracking.

The product portfolio is anchored by the credit repair membership and is bundled with several adjacent services: Credit University (a free online course platform on FCRA, FACTA, FCBA, ECOA, and CROA credit laws), National Law Club access (a network of 27,000+ attorneys across all 50 states for free consultations, document review, wills, and small claims guidance), IRS Defense consultation, a Credit Card Search Service, a $5,000 secured credit card, a Credit Reference Service, and a Credit Blueprint personalized audit. The go-to-market is sales-led: inbound phone consultations (1-877-720-7587), website lead capture, referral-driven growth from a testimonial base of over 1,000 documented customer stories, and a Regional Director / franchise program that recruits entrepreneurs to resell NCF's services under its brand. Content marketing through Credit University and a blog on credit topics is the dominant top-of-funnel channel, complemented by organic social (Facebook, Twitter, YouTube, LinkedIn) and weekly email newsletters.

NCF's revenue mechanics are hybrid. Membership subscriptions are sold on 6- and 12-month terms (with a money-back guarantee if no score increase by month 6), while attorney representation is billed transactionally at $6 per item successfully deleted or corrected, with no upfront or ongoing monthly legal fees. The company reports a 127-point average FICO increase among members at the six-month mark and claims to have assisted over 25,000 people cumulatively. The CEO is Herschel Bentley, who has been in credit and lending for over 30 years and has been profiled in Forbes, USA Today, CNBC, and CBS Moneywatch. NCF holds a Better Business Bureau A+ accreditation and is a member of NACSO. No revenue, funding, or M&A activity is disclosed in the source material.

Name

National Credit Federation

Legal name

National Credit Federation

Website

https://nationalcreditfederation.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

501–1,000 employees

Short description

National Credit Federation is a Tampa-based, membership-based credit repair organization founded in 2007 that uses affiliated attorneys to dispute inaccurate items on individual consumers' credit reports with Experian, Equifax, and TransUnion, bundling access to a 27,000-attorney legal network.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Membership Organizations (8600)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

Keywords

• Credit repair services
• Credit restoration
• Credit score improvement
• Credit report disputes
• Consumer credit membership

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Membership Fees: Monthly or term-based membership fees for access to credit audit, attorney representation, and credit restoration services
2. Per-Deleted Item Correction Fees: $6 fee charged only after derogatory items are successfully removed or corrected from credit reports; no upfront fees or ongoing monthly service fees for attorney representation

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

National Credit Federation is a membership-based credit repair organization that provides attorney-facilitated credit restoration services. Members enroll for a 6- or 12-month term, after which attorneys issue formal legal disputes to Experian, Equifax, and TransUnion to challenge and remove inaccurate, misleading, and unverifiable items from their credit reports. Membership also includes access to the National Law Club (27,000+ attorneys), IRS Defense, Credit Card Search, a Credit Blueprint audit, and free Credit University educational courses.

Product overview

National Credit Federation (NCF) is a nationwide, membership-based credit repair organization offering attorney-based credit restoration as its core service. The company provides a three-step process (Discuss, Dispute, Delight) where attorneys challenge credit bureaus on behalf of members to remove inaccurate and unverifiable items from credit reports. The product portfolio centers on the Credit Repair and Restoration Program, supplemented by the free Credit University educational platform, the National Law Club membership network for legal services, IRS Defense, Credit Card Search Service, a $5,000 Secured Credit Card, Credit Reference Service, and the Credit Blueprint audit tool. Services are delivered through a member portal with assigned case managers and attorneys, with billing structured around a $6 per deleted item fee model.

Differentiator

Problem solved

Functional benefit

Products and services

• Attorney-Based Credit Repair and Restoration
• Credit Blueprint Personalized credit profile audit delivered to prospective and current members that analyzes trade lines, validates tradelines, explains FICO score impacts, and provides recommendations for improving creditworthiness.
• Credit University Free online educational platform with structured courses covering credit fundamentals, credit repair processes, organizational information, and consumer credit laws, available to the public as a top-of-funnel engagement tool.
• National Law Club Membership Member benefit providing access to a nationwide network of over 27,000 attorneys for free legal consultations, document review, simple wills, calls and letters on the member's behalf, small claims court guidance, and discounted legal services beyond credit matters.
• IRS Defense Tax law attorney consultation service for members facing IRS issues, including one free hour of telephone consultation as part of the membership benefits.
• Credit Card Search Service Online database search tool enabling members to find banks that offer sub-prime secured, unsecured, and partially secured credit cards, with guaranteed approval for a minimum of two new credit lines.
• Secured Credit Card Secured credit card product offering up to $5,000 in credit for purchasing computers and consumer electronics, with positive payment history reported monthly to the three national credit bureaus.
• Credit Reference Service Written credit reference service provided to current, valid members upon request.

Quantifiable outcome

• Average member sees 127 point increase on their score by the 6 month mark
• +3 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• National Law ClubcoreStrategic or Co-development PartnerNational network of over 27,000 attorneys in all 50 states available to NCF members for free legal consultations, document review, calls and letters, simple wills, small claims court guidance, and discounted legal services beyond credit matters
• NACSO (National Association of Consumer Service Organizations)minorOthersMember organization providing consumer service industry network and standards. NCF holds membership in NACSO (Member ID: 553)
• Credit Card Issuers (Secured Cards)minorOthersPartnership arrangements for secured credit cards offered to members, including guaranteed approval for minimum of two new credit lines and automatic approval for secured card for electronics purchases

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CreditRepair.com: CreditRepair.com operates a subscription credit repair service targeting consumers with poor credit, with similar bureau-dispute workflow. Closely comparable on service model, customer segment, and pricing tiers.
• The Credit Pros: The Credit Pros provides credit repair, score monitoring, and identity protection bundled into monthly memberships. Competes head-to-head with NCF on the consumer credit repair membership proposition.
• Sky Blue Credit Repair: Sky Blue is a long-standing credit repair company offering bureau disputes, score tracking, and member portals. Matches NCF on customer profile, fee structure (subscription plus dispute-based), and delivery model.
• USA Credit Repair: USA Credit Repair is a smaller, similarly structured credit repair company using attorney or paralegal-issued disputes against bureaus. Comparable on core service and customer demographics.
• Lexington Law: Lexington Law is the largest U.S. credit repair firm, using attorney-based disputes against the three major bureaus. Direct competitor to NCF on product, customer (subprime consumers), and attorney-led dispute methodology.

Broad incumbents

• Credit Karma: Credit Karma (Intuit) offers free credit monitoring, scores, and educational content to a mass-market audience, including DIY dispute guidance. Larger incumbent that overlaps with NCF's educational/Credit University offering and targets the same end-customer.
• Experian: Experian is one of the three credit bureaus whose dispute process NCF works within. Offers its own credit monitoring and resolution services, and could vertically integrate or change dispute handling in ways that affect NCF.
• Equifax: Equifax is one of the three major consumer credit bureaus NCF disputes with. As a credit bureau, it can restrict data-sharing or alter dispute processes that affect NCF's operational model.

Emerging players

• Credit Sesame: Credit Sesame provides free credit scores, monitoring, and personalized recommendations to consumers. An emerging free alternative that overlaps NCF's educational and credit-improvement offering.

Others

• NACSO (National Association of Consumer Service Organizations): NACSO is the industry association NCF belongs to (Member ID 553). Adjacent ecosystem/standards body for consumer credit service organizations, comparable as an industry context but not a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/Dave_Fulk
• YouTubeyoutube.com/user/NCFtraining
• Facebookfacebook.com/nationalcreditfederation
• LinkedInlinkedin.com/company/national-credit-federation

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Credit Federation