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  7. Creditfirm.net Review 2024

Creditfirm.net Review 2024

Creditfirm.net Review
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Credit Firm is one of the oldest credit repair companies in the U.S. and one of the most affordable you’ll find on the market. But does the service live up to its legacy as one of the top credit repair companies? Read our Creditfirm.net review to find out.

Creditfirm.net offers credit repair services and also operates as a law firm.

This service focuses on fixing credit reports, allowing users the opportunity to make unlimited disputes and interventions to try and enhance their credit scores.

Want to know if this company can help repair your current credit score? 

Our creditfirm.net review will help you decide if this credit repair program is right for you!

Creditfirm.net Review

Creditfirm.net Review: Overview

Credit Firm is a private credit law firm that was founded in 1997.

The credit repair company has extended its services over the years to real estate professionals, banks, attorneys, auto dealers, and much more.

Unlike other credit repair services on the market, Creditfirm.net offers a wide range of solutions that are supported through its legal practices, which are designed to help improve your future credit report. 

In addition to the creditfirm.net website, Credit Firm has a physical office headquartered in Deerfield, Illinois.

The company has helped millions of customers across all 50 U.S. states with credit reporting and managing issues that affect credit scores.

What Is Creditfirm.net?

Creditfirm.net’s setup is advantageous in that it addresses the legal ramifications and challenges that are persistent throughout the credit repair process.

This credit repair firm helps clients improve their credit scores for specific purchases, like a home or auto loans, or general purposes.

The services offered also include one credit repair plan with no add-on services.

More on the Credit Repair Company

Before you sign up with Credit Firm, you can get a free consultation and you are under no further obligation to purchase its services.

Additionally, you can sign up on its website, a convenient feature that’s not offered by many other credit repair companies.

Creditfirm.net Review

How Does Creditfirm.net Work?

As a professional credit repair service, Creditrepair.net starts with a consultation to assess your situation and possible options for debt settlement.

The consultation begins with reviewing your credit report to assess what potential challenges need to be issued to credit reporting agencies and bureaus to try and improve your score.

Different clients require a unique approach, as some credit problems range from a few missed payments to defaulting on a long-term auto loan or identity theft.

This service has tailored solutions to improve your credit regardless of your needs.

Creditrepair.net Pricing

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 its program.

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

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

Also, there are no hidden or extra fees you need to worry about when using its credit repair service — unlike many credit repair firms on the market.

One Plan Offers More Services than Other Credit Repair Companies

Creditfirm.net uses one plan for all of its services, allowing customers to challenge an unlimited number of negative items from their credit reports, including: 

  • Late payments
  • Charge-offs
  • Bankruptcies
  • Repossessions
  • Foreclosures
  • And much more

However, one disadvantage is that the service doesn’t offer credit monitoring, meaning it does not track your credit history.

Creditfirm.net: Credit Repair Process

Creditfirm.net then sends your documents for investigation within three to five days of starting your credit repair, working with each creditor to help you remove/correct any derogatory information from your report.

Also, 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.

Creditfirm.net cites that the credit repair process takes at least a year to complete, though the timeframe truly depends on the extent of the credit repair needed.

However, the company has stated that people enrolled with its services have reached their credit goals within six to eight months.

Creditfirm.net Review

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

Is Creditfirm.net Legit?

Yes, the company is legitimate and licensed.

Creditfirm.net has no customer complaints, which is unusual for a credit repair company — or really any company for that matter.

Additionally, because the company has several attorneys on its roster, it’s well-positioned to negotiate with creditors and credit bureaus to ensure your credit score gets the kind of boost you’re looking for.

Does Creditfirm.net Really Work?

Yes, the Creditfirm.net credit repair services do work and, it has the testimonials to back it up.

As mentioned, the company can remove most major negative items from the credit reports of its clients.

Though, Creditfirm.net does not guarantee that everything will be removed.

But the company insists it provides every possible means under the law to repair your credit and help you improve your financial outlook.

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

Can the Creditfirm.net Credit Repair Services Remove Collections?

On its website, Creditfirm.net insists its team has 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 CreditFirm.net NOW! <<


Creditfirm.net Review: What Do You Get?

In our Creditfirm.net review, we’ll break down each feature in-depth, so you can decide if this service is right for you.

  • Credit audit
  • Credit bureau challenges
  • Procedural request verification
  • Inquiry challenges
  • Personal info variance challenges
  • Goodwill Interventions
  • Escalated info requests
  • Debt validation
  • Collection agency defense

Creditfirm.net Review

Credit Audit

A legal audit of your credit report is conducted by a licensed 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.

The company also provides several automated legal cross-checks to comply with the Fair Credit Reporting Act (FCRA) so it can conduct its credit repair services with full backing from the law.

Credit Bureau Challenges

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

Procedural Request Verification

Credit Firm 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, team members 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.

Credit Firm challenges the personal information variances that will adversely affect your credit score because of perceived instability that can be alarming to lenders.

With its variance challenges, Creditfirm.net 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 Credit Firm, these requests are “mildly confrontational”, requesting the creditor to provide that it has complied with consumer protection statutes.

The company 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 Creditfirm.net uses to repair bad credit.

The company ensures the rights of consumers are enforced, demanding creditors perform a complete overview of the account being looked at.

Creditfirm.net asks for several documents when doing this validation, including:

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

The company will also ask that the creditor proves your liability in-depth and beyond reasonable doubt.

Alternatively, Creditfirm.net will ask that the negative information be removed if such information cannot be provided.

Collection Agency Defense

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

>> Like what all CreditFirm.net has to offer? Click HERE to sign up TODAY! <<

creditfirm.net Review: Cancellation policy

Creditfirm.net Cancellation Policy Review

You can cancel the service at any time.

The company charges for its 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 Creditfirm.net charges.

The $49.99 per month you’re paying covers all credit bureau disputes, interventions, and all other services that the company offers.

Creditfirm.net 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 webchat.

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

Unfortunately, Creditfirm.net’s 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 every day.

Credit Firm Review: How Much Does Creditfirm.net Cost?

You pay no price to sign up with Creditfirm.net, and the initial monthly fee of $49.99 is fixed, with no additional fees.

Creditfirm.net Review: Pros and Cons

Here’s the rundown of where the service shines and where it can be improved.

Take a closer look at all the pros and cons we found during our Creditfirm.net review.

Creditfirm.net Pros

  • Monthly Fee – The flat monthly fee of $49.99 is more reasonable than most credit repair companies and doesn’t involve hidden fees.
  • Customer Service Is Always Available – The credit repair service is open 24/7, allowing you to contact support by phone or 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 24 years of credit repair experience, making the company one of the most experienced in the industry.

Creditfirm.net Cons

  • No Guarantee Is Provided – Unlike other credit repair services, the service does not come with a money-back 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.

Keep these pros and cons in mind as we investigate how to choose a credit repair company to suit your needs.

How to Choose a Credit Repair Company?

Don’t start using a credit repair company without doing your due diligence. Consider the following factors to find the best option for you:

  • Price: Be sure to get a very clear list of potential charges from top to bottom so you know exactly what you’re getting into.

There can be many fees associated with a credit repair company, from an initial charge for starting business to monthly costs for continued use. Some firms require additional payment to help you dispute claims or if you cancel early.

  • Get Everything in Writing: Verbal promises won’t do you any good should a credit repair company go back on its word while doing business with you. Only work with a business willing to list its promises in a written contract that both parties sign.

In the event of foul play, you’ll have something to refer to if you have to go to court.

  • Watch for Shady Guarantees: There’s a lot credit repair companies can do. Still, they should never place guarantees on lowering your score or removing negative information from your record.

It’s best to avoid firms making claims they simply can’t substantiate. They may be desperate for business and making promises they can’t keep.

  • List of Services: No two credit repair companies are created the same. Some only dispute certain types of claims or will only make so many attempts per month to help you out.

Be sure to find a firm that has the capability and the initiative to tackle your unique needs.

  • Quality: Use third-party sites like the Better Business Bureau to investigate a company before using it. Check for complaints or legal actions that may imply unscrupulous practices.

Speaking of quality, let’s see what other sites have to say about Creditfirm.net.

Is Creditfirm.net Better Business Bureau Accredited?

Despite receiving a solid rating from the Better Business Bureau, the credit repair service is not accredited by the BBB.

Is the Creditfirm.net Credit Repair Service Right for Me?

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

The services 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 the company is always available to address any concerns you have about your credit score, your report, and other items.

The company also has a credit repair blog if you want more info before you sign up for its services.

Creditfirm.net Reviews

Creditfirm.net Reviews by Customers

“For anyone who needs to fix their credit so they can buy a house, Creditfirm.net is the best solution!!! – John, C. Moynahan, Chicago, IL

Another one of many satisfied clients says:

“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.” – Andrew S, Brooklyn, NY

Creditfirm.net Review: Is It Worth It?

Though it only offers one credit repair plan and doesn’t offer credit monitoring, Creditfirm.net provides several ways to 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 and whether you want a company with a proven track record in debt settlement and credit report analysis.

With affordable monthly payments, decades of credit repair experience as well as endless positive reviews online, you may want to call the credit repair provider today and see if it’s right for you.

There’s a reason why many clients believe this is the best credit repair experience out there.

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


Jessica is a published author and copywriter specializing in personal and investment finance. Her expertise is in financial product reviews and stock market education.