I found Credit Firm to be reasonably priced with unlimited credit bureau challenges, dispute letters, and debt validation requests.
By: Choncé Maddox
Editor: Jon McDonald
Reviewer: Ashley Fricker
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Checking your credit report is one of the best ways to understand your credit score. But what if your report contains mistakes? Or worse, there’s questionable information that you may not understand or even remember?
According to the American Bankruptcy Institute, at least 42 million credit reports contain errors — that’s one in every five reports. Those errors can contribute to a lower credit score that a consumer may not really deserve.
That’s why a credit repair company like CreditFirm.net can be so effective. It helps you find these errors and inaccuracies in your credit reports, dispute them, and possibly get them removed. CreditFirm.net can also help with legal compliance and communicating with creditors to make sure your reported debt is actually valid.
I found CreditFirm.net to be a legitimate, powerful option for repairing credit with an easy sign-up process and plenty of support. And if you want to know more (like a lot more) about how it works and what to expect, I’ll answer all of your questions in this deep dive.
CreditFirm.net is a popular credit repair service that carefully reviews your credit reports to create an action plan for removing inaccurate information and increasing your score over time.
The company was founded in 1997 by a team of attorneys who specialized in consumer credit and FCRA violations. But despite its legal roots, this company isn’t actually a law firm.
When you sign up to work with the company, you’re not hiring an attorney to provide legal services. Instead, you’re paying for a credit repair service that helps identify and dispute questionable items on your report.
This type of service is geared toward people with subprime or fair credit. You may be a good fit if you have collections, charge-offs, or late payments on your credit report, or suspect that there may be some errors or outdated items that are affecting your score.
CreditFirm.net offers a three-step process that helps you sign up quickly and find out which services can help you fix your credit score. The company conducts investigations with all three major credit bureaus and with collection agencies such as LexisNexis.
One of the more unique aspects of CreditFirm.net is that the company focuses on credit law and violations of the Fair Credit Reporting Act (FCRA). Sure, you can dig into these laws yourself, but it’s a lot of information to take in and apply to your personal situation.
There are certain rules around how credit disputes can be handled by collection agencies, including the fact that debt collectors must always prove or validate the debt they say you owe if you ask within 30 days of receiving a notice.
Debt collectors also have to contact you in a certain way and within certain hours of the day to attempt to collect a debt according to the FCRA, so it’s important to know and exercise your rights there, too.
CreditFirm.net handles situations like this with ease and ensures that any response letters are detailed and focused on compliance. Working with the company can help you confirm that creditors, bureaus, and collection agencies are following the law when it comes to any outstanding bills you may have.
But let’s be clear, this doesn’t mean that every dispute will turn into a win. Still, it does add more insight (and possibly more due diligence) than you may get with a typical credit repair service.
When browsing the website, I was happy to see that CreditFirm.net offers a comprehensive bundle of services that address many different credit repair needs, since everyone’s situation is different. Here’s a summary of each:
One thing I always look for in services like this is whether they actually help you understand what’s going on or just “fix it” behind the scenes. Ideally, you’ll want to work with a company that also educates you at each step.
That way, you understand how credit repair works and how you can monitor and maintain a good credit score in the future.
CreditFirm.net has an education section on its website with several articles that break down what can appear on your credit report and how certain factors impact your credit report and credit score.
There’s also information that helps you understand how credit repair services work and when you should consider hiring a professional to fix your credit.
By now, you may be wondering how much a service like CreditFirm.net costs. I was pleased to see that its services line up with what other elite credit repair companies offer. While the cost is reasonable, it’s still something to consider in your budget, especially because the process can take several months, if not longer.
CreditFirm.net only offers one basic plan and a couples plan, but keep in mind that this includes a lot of unlimited services. So, the company doesn’t need to sell you a higher tier of service because everything is already included.
This is perfect for anyone with lots of potential credit report issues to address.
The individual plan costs $49.99 per month and includes services like a legal in-depth credit audit, unlimited disputes, credit monitoring access, monthly progress updates, and unlimited debt validation request letters.
Compared to other services, this price is a good value, especially since some competitors charge setup fees and multiple subscription options with higher monthly rates.
The Couples Plan is designed for two people who are working on repairing their credit at the same time. It can be useful for married couples and partners who may be planning to apply for a mortgage or make a large purchase that requires better credit.
This plan is $89.99 per month, which breaks down to a slight discount compared to two people signing up separately for the service.
The Couples Plan includes everything in the individual plan, but the main difference is that you can manage two profiles under one membership.
According to CreditFirm.net, users can cancel at any time, and they aren’t locked into any long-term contracts. Whenever you want to cancel, just give the company a call at 800-750-1416 or send an email to info@creditfirm.net.
There’s also an option to cancel via their online cancellation form. Once the cancellation is confirmed, you won’t be responsible for the following month’s bill. This would give me peace of mind that I wouldn’t be stuck paying for the service if it wasn’t doing much for my credit.
There’s also an option to pause your subscription if you want to take a break or feel like progress has stalled. Just keep in mind that it can take an average of 6 to 8 months in the program to achieve your desired results.
But this also depends heavily on each person’s needs and situation. Your process may take more or less time, but you can discuss it during your consultation.
Having clarity matters when you’re dealing with a credit repair service. Not knowing what’s going on with your credit profile behind the scenes can build anxiety and frustration, trust me.
So let’s look at some of the tools and support CreditFirm.net offers users.
The online dashboard is likely where you’ll spend most of your time after you sign up and start the process.
You can log in to check on your progress and see which disputes have been sent and which accounts are being challenged with the credit bureaus and creditors. You can also see status updates on responses and any changes to your credit report.
And CreditFirm.net starts fast. It typically mails out letters to Experian, Equifax, and TransUnion within 24 to 48 hours of receiving and reviewing your credit reports.
You can get support from CreditFirm.net by phone or email. I didn’t see an online chat feature on the website, but luckily, they are very responsive by phone or message.
Responsiveness matters because people may be under financial stress or dealing with time-sensitive issues, such as demands from a debt collector.
The website states support channels are open 24/7, so I imagine that they have representatives working in different time zones.
When I called on a weekday, I was able to get a hold of someone quickly, and they helped explain the service to me and answer some of my questions.
It’s always best to work with a company you trust for something as sensitive as credit repair, because it can impact so many financial opportunities in your future.
You’re committing to paying a monthly fee for what could be an extended period of time, so it’s also a financial investment. And unfortunately, some credit repair companies overpromise and underdeliver.
CreditFirm.net is not accredited with the Better Business Bureau, but they do have an A+ rating and a 3.5-star rating with TrustPilot. Most of the reviews I came across were positive, while some users said they didn’t get the results they wanted.
But, as I said earlier, no credit repair firm can guarantee results; it all depends on your personal credit situation. And CreditFirm.net doesn’t lock anyone into a contract, so if you don’t see the results you want, you can just cancel.
One thing I like about CreditFirm.net is that it doesn’t make blanket statements or promises on its website. Instead, it sets realistic expectations.
Ultimately, the credit bureaus make the final decision on what stays and what’s removed, but CreditFirm.net does the lion’s share of the legwork to help you stay organized and ensure compliance.
The application is very simple and includes all of the information you’d expect to provide a company that needs to access your credit reports. If you’ve read this far, you probably already know which way you’re leaning on this service, but it’s always good to get a look behind the curtain.
So, here’s a step-by-step look at the signup process I went through on CreditFirm.net.
Note: I did not submit an application for CreditFirm.net services, the information here is for educational purposes only.
There are multiple places to start the sign-up process online, but I clicked on the ‘Sign Up’ button on the homepage of CreditFirm.net.
This took me to a form where I was asked to add my personal information (name, address, phone number) and my goal for the process.
This is a bit different from other sign-up forms I’ve seen, and I like the aspirational aspect of thinking about what I want to achieve out of credit repair.
At this stage, I am also asked if I wanted to add a second person and take advantage of the couples plan.
Next, I was shown a payment screen to confirm the subscription plan and enter my payment details. The form states that the first payment isn’t charged until the account is completely set up and CreditFirm.net starts pulling my credit reports.
It looks like this process typically begins within five days. I also didn’t see any extra fees listed, so that was nice.
I don’t need credit repair services right now, so I didn’t finish completing the sign-up process. But once the payment information is entered, it’s time to provide a social security number (to run my credit reports) and set up a call with a dedicated credit repair consultant.
Usually, they call shortly after submitting the signup form. This call is just to set up the case file and get the credit repair process started.
The next step is to receive the login details for your user dashboard so you can track progress and communicate with your dedicated credit consultant.
You’ll also receive updates on your credit reports directly from the credit bureaus via mail as investigations are initiated, investigated, and closed.
You can communicate with the CreditFirm.net team any time via phone, email, or from the client portal notes section in your dashboard.
Like many financial topics, I feel like there’s still a lot of confusion about what credit repair companies can actually provide. With CreditFirm.net, the services you’ll get will involve identifying questionable or inaccurate items on your credit report and sending disputes to the major credit bureaus.
The company will also send follow-ups and make sure credit bureaus and creditors comply with debt collection laws. The main benefit of this service is to help remove information from your credit report that can’t be verified or that is outdated and should have been removed.
On the other hand, this company can’t remove accurate data and debt accounts that have been verified just because they are negatively affecting your credit score. CreditFirm.net also doesn’t provide debt settlement services or negotiate your debt with creditors.
And again, I want to be clear that working with this (or any other) credit repair company won’t instantly boost your credit score or guarantee specific results.
If you’re still wondering: “Why can’t I just write and send my own dispute letters instead of paying someone a monthly fee to do it?” you have a good point. There’s always the option to DIY your own credit repair, but understand that CreditFirm.net provides a service that can be well worth the fee.
CreditFirm.net offers what I like to call “full-service credit repair,” which is much more than sending dispute letters. First, it analyzes your credit reports across various scoring models and credit bureaus.
While you can access all of your credit reports for free at AnnualCreditReport.com, it can take a lot of time to analyze them. And that’s even if you know what you’re looking for, which you might not.
CreditFirm.net has in-house experts who know how to spot inaccuracies or questionable information that the average person may miss.
Also, if you’re considering DIY, you have to be honest about how much time you’re willing to dedicate to writing and sending your own dispute letters. It could take hours every week, and that’s not counting any follow-ups or investigating you’ll need to do.
CreditFirm.net writes custom letters, sends them on your behalf, and follows up to make sure things are moving forward. It also has experience in communicating with creditors and the credit bureaus, so its efforts may end up producing better results over time.
Think about it like ordering a pizza from your favorite restaurant. Most people can likely make a pizza at home after buying the ingredients and following a recipe.
But you may choose to order it to save time, or perhaps you like the way pizza tastes from a restaurant that has perfected it.
Credit repair is much more complex than making your favorite pizza. DIY credit repair can work, but you just have to be clear on what you need and if outsourcing this would ultimately be best.
Like any other credit repair service, CreditFirm.net has trade-offs to consider. On one hand, you’re paying for a service that doesn’t have any guarantees, and it could take a while before you start seeing results.
But on the other hand, it’s likely that you can save yourself time and effort by outsourcing the process of analyzing all your credit reports and writing and keeping track of dispute letters.
Before considering a company like CreditFirm.net, be sure to weigh these pros and cons to see how they’d impact your current goals and needs.
It’s always smart to compare options since each credit repair company has its own process and features. If you’re not completely sold on CreditFirm.net, here are a couple of alternatives to consider.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| See BBB Listing | 2004 | $139.95 | 8/10 |
Lexington Law is a popular credit repair service that offers credit dispute management, dispute escalation, and ongoing credit monitoring.
Unlike other credit repair companies, this one has a team of experienced attorneys and paralegals on staff to help clients fix inaccurate and unfair negative marks on their credit reports. But the trade-off is that this company charges much higher fees, just under $140 per month.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| A+ | 1989 | $79 | 9.5/10 |
Sky Blue Credit Repair® has been around since 1989 and provides a simple and straightforward approach to credit repair with debt validation letters, cease and desist letters, as well as a client portal and credit builder tool.
This company offers three different service plans depending on the features you may need, but they all cost more than CreditFirm.net. So again, the cost will be higher month-to-month.
CreditFirm.net is well worth a try if you’re looking for a reputable credit repair company with a proven track record.
I really like the price of this service, especially because there’s only one plan and it comes with unlimited disputes and follow-ups. I’d recommend giving CreditFirm.net a try if you have multiple negative items on your credit report and don’t want to handle the rigorous dispute process yourself.
But just know that results aren’t guaranteed, and you should commit for at least a few months to let the process play out. Still,CreditFirm.net is a solid option for credit repair if you’re serious about boosting your credit score.
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