Review 2021: Can They Really Fix Your Credit?

Jenna Gleespen - May 29, 2021

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Credit Firm is one of the oldest credit repair companies in the United States, as well as one of the most affordable you’ll find.

The credit repair company also operates as a law firm. They focus on fixing credit reports, allowing users the opportunity to make unlimited disputes and interventions to try and enhance their credit score.

However, is this credit repair service worth the investment? Our review will hopefully point you in the right direction! review Review: Overview

Credit Firm is a private credit law firm that has been in existence since 1997. Founded by a legal team, the credit repair company has extended its services over the years to real estate professionals, banks, attorneys and, auto dealers, among other consumers.

In addition to the website, Credit Firm has a physical office headquartered in Deerfield, Illinois. They have helped millions of customers across all 50 U.S. states with credit reporting and managing issues that affect credit scores.

What Is’s setup is advantageous in that they address the legal ramifications and challenges that are persistent throughout the credit repair process.

Credit Firm works with consumers to improve their credit scores for specific purchases, like a home or car, or for general purposes. They offer one credit repair plan with no add-on services.

Before you sign up with Credit Firm, you can get a free credit consultation to determine whether you should spend money to use their services. Additionally, you can sign up on their website, something that’s not offered by many credit repair companies.

How Does Work? Review

Starting with that free consultation, goes over your credit report to assess what potential challenges need to be issued to the credit bureaus to try and improve your score.

This credit repair company charges $49.99 per month for its services, a monthly fee you pay upfront that is charged within five days after enrolling in their program.

All future monthly payments for their services are then billed on the same day of each following month.

The monthly fee offers is considered one of the more reasonable ones in the credit repair industry, considerably less than, for example, Lexington Law, whose least expensive monthly fee is $89.95.

There are no hidden or extra fees you’ll have to worry about, either. uses one plan for all of its services, allowing customers to challenge an unlimited amount of negative items from their credit reports, including late payments. charge-offs, bankruptcies, repossessions, foreclosures, and many more.

However, one disadvantage is that they don’t offer credit monitoring, meaning they don’t track your credit history. then sends our documents for investigation within three to five days of the process beginning, working with each creditor to help you remove/correct any derogatory information from your report.

Furthermore, the credit repair service consistently communicates with the three major credit bureaus to confirm that your complaints have been addressed and all negative items have been removed.

The company cites that the credit repair process will at least a year to complete, though the timeframe truly depends on the extent of the credit repair that needs to be done.

However, they have said that people who have enrolled with their services have reached their credit goals within six to eight months. Review

>> Sold on Click HERE to sign up and start repairing your credit today! <<

Is Legit?

Yes, they are legitimate and licensed. has no customer complaints, which is unusual for a credit repair company, in addition to the solid BBB rating that they have.

Additionally, because the company consists of a number of attorneys, they are well-positioned to negotiate with creditors and credit bureaus to ensure your credit score gets the kind of boost you’re looking for.

Does Really Work?

Yes, it does. As mentioned, they remove most major negative items from the credit reports of their consumers.

They don’t guarantee that everything will be removed. But they insist that they will provide every possible means under the law to repair your credit and help you improve your financial outlook.

They have helped people across the 50 U.S. states and territories like Puerto Rico remove compromising financial information from their credit reports.

Can Remove Collections?

On its website, insists that they have helped thousands of customers remove collections from their credit reports while also outlining what collection agencies are and how to stop debt collectors from contacting you.

>> Ready to remove collections from your credit report? Just click HERE to sign up for NOW! << Review: What Do You Get with

  • Credit Audit
  • Credit Bureau Challenges
  • Procedural Request Verification
  • Inquiry Challenges
  • Personal Info Variance Challenges
  • Goodwill Interventions
  • Escalated Info Requests
  • Debt Validation
  • Collection Agency Defense Review

Credit Audit

A legal audit of your credit report is conducted by an attorney who reviews each document sent out to creditors, breaking down your report to determine the best course of action to take to boost your score.

They also do several automated legal cross-checks to comply with the Fair Credit Reporting Act (FCRA), allowing them to conduct the credit repair process with full backing from the law.

Credit Bureau Challenges

You get to make unlimited bureau challenges when you use’s services, no matter how many accounts you have on your credit report.

Procedural Request Verification

The company uses its legal team to ensure that credit bureaus are complying with the law. The credit repair service does this by verifying your account through an accepted legal verification procedure.

Inquiry Challenges

You can make unlimited inquiry challenges when using Creditfirm’s services. According to the company, they will work with creditors to verify the reason for the inquiries that show up on your credit report.

Doing this can save your score from dropping anywhere from two to five points per inquiry.

Personal Info Variance Challenges

This includes name, address, and employer variance challenges as well as other personal information, like contact information. They challenge the personal information variances that will adversely affect your credit score because of perceived instability that can be alarming to lenders.

With their variance challenges, works with customers to remove multiple personal information variances that are incorrect, haven’t been completed, or aren’t verified to optimize the credit score and make customers appear more trustworthy to lenders.

Goodwill Interventions

Credit Firm will also write an unlimited number of goodwill letters as well as debt validation letters on your behalf to challenge any issues on your credit reports.

Credit Firm crafts these letters to boost your current record with your creditor to improve your payment record and credit reports.

Escalated Info Requests

According to Creditfirm, these requests are ‘mildly confrontational,’ requesting the creditor to provide that they have complied with consumer protection statutes.

They can also ask creditors to adjust the way they report an account on your credit report.

Debt Validation

This is one of the more aggressive strategies that Credit Firm uses. The company ensures the rights of consumers are enforced, demanding creditors perform a complete overview of the account being looked at. asks for several documents when doing this validation, including:

  • Copies of the original signed contract or application
  • Previous statements

They will also ask that the creditor proves your liability in-depth and beyond reasonable doubt. Alternatively, they will ask that the negative information be removed if such information cannot be provided.

Collection Agency Defense will contact persistent debt collection agencies citing the Fair Debt Collection Practices Act (FDCPA) to stop harassing customers.

>> Like what all has to offer? Click HERE to sign up TODAY! << Review: Cancellation Policy Review Review: Cancellation policy

You can cancel their service at any time. The company charges for their service per month and only after work for the month in question has been completed.

There are no further obligations or penalties when you cancel the service.

Additionally, no hidden fees are included in charges. The $49.99 per month you’re paying covers all credit bureau disputes, interventions, and all other services that the company offers. Review: Customer Service Review

Creditfirm’s customer service is available 24 hours a day, seven days a week, one of the few credit repair companies that offer such flexibility. You can also contact representatives via email or on their webchat.

Meanwhile, for free credit consultation, you can phone them or submit requests online, then wait to be contacted before you begin.

Unfortunately, their website isn’t the most user-friendly, as it has an outdated design, meaning locating some information can be difficult. However, a customer portal is available 24 hours each day that you can use. Review: How Much Does Cost?

You pay no price to sign up with, and the initial monthly fee of $49.99 is fixed, with no additional fees to be concerned about as you use the service for each following month. Review: Pros and Cons Pros

  • Monthly Fee – The $49.99 per month pricing is more reasonable than most credit repair companies and doesn’t involve hidden fees.
  • Customer Service Is Always Available – Their service is 24/7, allowing you to contact them by phone or on the website whenever you’re ready.
  • Unlimited Credit Challenges – Unlimited credit issues can be addressed throughout the credit repair process to potentially boost your credit score.
  • Experience and Setup – This law firm and credit repair service has been in business for 24 years, making the company one of the most experienced in the industry. Cons

  • No Guarantee is Provided – Unlike other credit repair services, they don’t offer a guarantee that you’ll get your money back if you aren’t able to get negative items removed from your credit report.
  • No Credit Monitoring Offered – If you want to track the progress of your credit report and see how your credit score is progressing, Credit Firm isn’t the choice for you.
  • No Additional Services – The company only offers one plan and no add-on services.

Is BBB Accredited?

Despite receiving a solid rating from the Better Business Bureau, the credit repair service is not accredited by the BBB. Review: Is Right for Me?

If your credit score needs a serious boost, may well be worthwhile for you, given they give you the chance to challenge a lot of negative issues on your report without limitations.

Their fees are also very reasonable and you only pay one fee throughout your duration with the company.

Furthermore, you can cancel at any time and they’re always available to address any concerns you have about your credit score, your report, and other items. Reviews by Customers reviews

John, C. Moynahan, Chicago, IL:

“For anyone who needs to fix their credit so they can buy a house, is the best solution!!!

Andrew S, Brooklyn, NY:

“I didn’t know what to expect when I started this process. But, I have to say, you guys are REALLY GOOD at what you do. How you deleted that $13,000 collection for my timeshare, I have no idea. Keep up the good work.”

Final Review: Is Worth It?

Though it only offers one credit repair plan and doesn’t offer credit monitoring, offers a number of ways you can present disputes to creditors and bureaus to give your credit score the boost it needs.

It’s free to sign up, the price is better-than-average compared to most competitors and you’re flexible to cancel whenever you’re ready. It could be a worthy investment depending on your needs.

>> Ready to start repairing your credit with Just click HERE to get started TODAY! <<


Jenna Gleespen is a copywriter specializing in finance and investment finance. Originally from the United States, she now calls London, England home.