CreditFirm.net

Name: CreditFirm.net
Rating: 4.6

4.6

star star star star star_half

39 User Reviews

6.2

Overall Score

Compare

4.6

star star star star star_half

39 User Reviews

6.2

Overall Score

Compare

The Good

The Bad

Bottom Line

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Company Details

Upfront Cost

Starting at

$49.99

Monthly Fee

Starting at

$49.99

Time in Business

27 Years

Number of Reviews 39

info Source of Information

Author: Kaitlyn Short

LAST UPDATED: December 7th, 2022

CreditFirm.net, which was founded in 1997, is a private credit law firm that offers credit repair, credit monitoring, and credit coaching assistance to consumers on a monthly subscription basis.

The credit repair company offers one-on-one coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services. The company also assists consumers with home and auto loan approval preparation.

Like the majority of other credit repair companies, CreditFirm.net provides a free credit consultation. CreditFirm.net services also include MOV requests, Debt Validation, Permissible Purpose Verification, and Goodwill Requests.

Keep reading to learn more about the pros and cons of CreditFirm.net's credit repair services.

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The Good

Extensive Credit Restoration Services
Lower-Than-Average Pricing
Time in Business

The company appears to provide a fairly straightforward process that maximizes results in a realistic period of time. Benefits of CreditFirm.net include:

Extensive Credit Restoration Services

CreditFirm.net delivers an extensive range of credit restoration services to help consumers reduce overall debt and increase their credit scores.

The credit repair company creates customized plans for its clientele and works to stop harassing calls from debt collectors. CreditFirm.net also works with clients to obtain mortgage loans in the home-buying process.

Unlike most companies within the credit repair industry, CreditFirm.net provides unlimited credit bureau challenges, unlimited inquiry challenges, unlimited goodwill interventions, and unlimited debt validation services.

Lower-Than-Average Pricing

CreditFirm.net charges customers a monthly price of $49.99 which is on the lower end of pricing in comparison to other companies in the credit repair industry.

The company also charges a first-time fee of $49.99 which is significantly less, once again, than what other credit repair companies charge for first-time fees.

According to CreditFirm.net's website, customers can cancel services "at any time without penalty or any further obligation".

Time in Business

CreditFirm.net was founded in 1997 which makes it one of the older credit repair companies in the industry. Due to its time in business, the company retains a level of experience and respect that newer companies may lack.

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The Bad

Limited Website Information
Lacks Official Money-Back Warranty

Although CreditFirm.net has designed a process that will help consumers remove inaccuracies, there are limitations to their platform as well.

Limited Website Information

While CreditFirm.net is transparent about its pricing and services online, the company is not very clear about its refund policy, whether or not it provides clients with an app or online portal access, whether or not it provides clients with extra financial tools, how long its credit repair process generally take, and more.

Lacks Official Money-Back Warranty

CreditFirm.net does not appear to have an official money-back guarantee.

Instead, the company applies a money-back warranty on a case-by-case basis. CreditFirm.net customers may only get the money-back warranty if the company deems it to be necessary.

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The Bottom Line

CreditFirm.net is a private credit repair company that provides extensive credit restoration services to individuals requiring long-term credit repair.

Services include one-on-one credit coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services.

CreditFirm.net also has lower-than-average pricing and has experience from being in business since 1997. However, the company does not have an official money-back guarantee and fails to disclose some information on its website.

If you are looking for a cheaper monthly subscription credit repair service, CreditFirm.net may be a company to consider. That said, we encourage you to conduct your own research, read several CreditFirm.net reviews, and talk to a company representative to see if CreditFirm.net is the right service for you.

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User Reviews

Star Rating

4.6

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39 Reviews

Review Breakdown

5 grade

77%

4 grade

18%

3 grade

2 grade

1 grade

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star star star star star

Samuel Watkins FL

pound for pound the best credit repair company out there today. I used lexington for $130 a month, creditrepair.com for $100, and Sky Blue for $80 before joining credit firm. Lexington knocked off all of the easy stuff first and then got stuck, I was with them for 9 months and outside of the accounts they removed in the first 3 months, the next 6 months was no removals. Joined Creditrepair.com and had absolutely no results so I canceled after 3 months. Sky blue removed one late payments in 4 months and that's it. I didn't think that another company was going to be able to do much more but, I decided to give creditfirm.net a shot. 2 months later and they removed a repossession that the other 3 companies couldn't and an eviction. I used 4 different credit repair companies, 4 companies had the same opportunity to work on the same accounts, and creditfirm.net was the only one to get those accounts removed. I don't know how they did it, the guy on the phone started explaining it to me but, I spaced out after he began quoting section blah blah blah of the FCDRTFACAwhatever, subsection 6074blahblah, anyway, don't be me, don't waste your time using companies that won't do much and just go to creditfirm.net right away.

2 years ago

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Ingrid Thomas Winnetka, IL

Signed up in January and first 3 months there was nothing. No letters, nothing deleted, score was the same. I was about to cancel but, talked to my consultant who told me that they were doing an investigation with some company called the CFPB, the federal trade commission, and OCC because the credit bureaus were not responding and I decided to give them a little more time. Glad I did because this morning I got a notification from Credit Karma that all of my collections, repo, and even my bankruptcy was removed from my credit reports. I'm glad that I didn't cancel and I let these guys finish their job. I'm very happy with the service and will be recommending them to everyone.

2 years ago

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Dr Harper New York, NY

I had an issue with a late payment from a car loan with Santander reporting on my credit from October of 2020 because of COVID. Santander said that they were going to defer my payments for 3 months and not report any late payments but, to my surprise, they reported 3 late payments in my credit reports! I called them over and over and spend the better part of 2021 trying to get the late payments removed myself and didn't get anywhere. I finally decided to get some help and 3 months into using CreditFirm.net the late payments were finally removed from the Santander account. I don't usually leave reviews but, I felt compelled to let others know that there is a service out there that can help you get these issues with your credit resolved, and that the service actually works. If you are dealing with issues on your credit I would definitely recommend using CreditFirm.net.

2 years ago

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Billy McD Fort Lauderdale, FL

My experience with creditfirm was pretty awesome. It's like one of those ron popeil set it and forget it deals. I signed up, set in my reports, and... that's it! I basically did nothing except check my credit scores every once in a while, and then one day I get a notification from creditkarma congratulating me on having a 700 score. I was like WHAT! You gotta understand I've had pretty crappy credit my whole life, not 600s crappy, low 500s stuff! Ofcourse I'm happy that I have great credit but, at this point Im pretty nervous cuz I don't want to screw my credit up again, lol. Anyway, creditfirm did a great job for me.

5 years ago

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Mr. Freeze New York, NY

I only started last month and spoke to my account manager for an hour who explained the process and what to expect. For the first time in my life I understand what credit repair actually is. I used Lexington before and they never answered any questions I had with any substance and just gave me generic information. The agent from creditfirm.net told me exactly what they were doing, what letters they were sending, why they were sending them, what I should expect, and what I should do to improve my credit too. Love this company's no BS approach.

2 years ago

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Tyler Detmer San Jose, CA

It’s been 3 months. Started off a little slow with only a few accounts getting deleted the first go-round but now we’re chugging along quite nicely and I have 18 accounts removed. My credit guy is a bit chatty and likes to over explain everything but it’s nice to have a person who actually picks up the phone and calls you back when you have a question. I don’t usually do the whole review thing but, my consultant has gone above and beyond and his responsiveness must be mentioned. Good customer service is important to me and credit firm has won my business forever.

3 years ago

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Franklin DeSoto Lake Zurich, IL

I bought a car in March 2021 at a 18% interest rate because of my bad credit score but, I made a commitment to get my scores right so that the next time I would be in this situation again. I found credit firm online and decided to give them a shot. Well, it's November and I just refinanced my car with Capital One at 5% interest. I hope this review helps others who are in the situation I was in back in March. Don't give up and settle for high interest loans. Get your stuff together and fix your credit.

3 years ago

star star star star star

Annie Greene Atlanta, GA

What I like best about this company is that they actually helped me raise my credit scores. I signed up in June because I wanted to buy a house and couldn't get approved, well, it's September 21st and I just got approved for a FHA mortgage. Credit Firm did a great job at explaining what they actually do and an even better job at getting my scores above 620. My husband signed up with them earlier today so we can get his car loan refinanced.

3 years ago

star star star star star

Kimmy Woodard Jonesboro, GA

September 26, 2019 I was fortunate enough to be assigned to Michael A, Senior Credit Repair Specialist. Michael is extremely good at what he does. He has the ability to think outside of the box and work angles to his client's advantage. I also like the fact that he is easy to reach and always timely responds to any inquiry you may have concerning his client's credit repair issues. The fee associated with his firms services is worth every dime. I highly recommend CreditFirm.com. Thanks again Michael!

5 years ago

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Stacy Seattle, WA

I tried fixing my credit myself for almost a year doing disputes and I got a bunch of stuff removed but my scores were still low and I had a lot of bad stuff still on my report that I could get rid off. Finally I decided to let this company take over and to my surprise they did a really good job. They deleted a lot more accounts for me and most importantly got my scores up.

6 years ago

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Sandra Landerstein Scottsdale, AZ

I signed up with credit firm about 8 months ago. Then things got busy for me, I had a baby, this, that, and the other, so I completely forgot about them. Then, I went to a dealership to try and buy a minivan last Saturday, I was hoping that I could get approved for something decent (I have never had good credit). They pulled my credit and my score was 726! Then I remembered that I hired a company to fix my credit, and boy did they ever. I got a brand new Honda Odyssey at 0.9% APR! I drove out with a big grin on my face. I think I'll have credit firm work a bit more to get my scores to 800. I'm very happy.

9 years ago

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Santiago Rolling Meadows, IL

I was afraid to go to credit repair company. You hear so many bad things about scam. My friend told me CreditFirm.net is different : honest and professional credit repair service. I really wanted a new truck! So I decided to sign with Credit Firm. CreditFirm.net has a very good price - anyone can afford! For me price is very important and results of course. Anyway, I am very proud to say that I made a right choice (now I know I did!) with CreditFirm.net system I fixed my credit and got a brand new truck! I am so excited!!!

11 years ago

star star star star star

Frank Connor Dallas, TX

The price is the best thing about this place. They do all the disputes and creditor letters that the other companies do but for a lot less plus they dispute everything all at once and don't try to slow the process down to squeeze a few extra bucks out of you. Good price, good work, and they got me the accounts deleted that I needed.

2 years ago

star star star star star

Brown Phoenix, AZ

I called for a free consultation to get more info on the service but, after 40 minutes I got so much more. The consultant went over my credit report, told me what was in there, and gave me a plan to start increasing my scores. I learned more about credit in this 40 minute call than I did in 30 years of my life.

2 years ago

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Darla Oakland, CA

It took about 6 months but, considering that I've had bad credit for the last 25 years, spending 6 months on fixing my credit isn't too bad. All 3 of my credit scores are over 700 and for the first time in my life, I'm not afraid of going to the car dealership. It feels nice to have a good credit score.

6 years ago

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Jermon Mableton, GA

My score is now 146 fica points higher than it was before. The company did good but communication could have been faster. The price was great and I definitely got my money's worth. I would probably give them 5 stars if they replied faster but in some cases I had to wait a few hours to get a call back from the guy working on my case. In the end my credit is a lot better and I didn't have to spend a fortune fixing it.

6 years ago

star star star star star

Jerry Dobson Henderson, NV

My overall experience was pretty great. Communication was pretty quick, I got some great advice on my student loans and my credit score is a lot better. I'm not looking to buy a house or anything like that but, It's nice to know that I can get financing anytime I need it.

6 years ago

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Cathy Moody Edison, NJ

I don't usually do these types of things and leave reviews but, these guys did a good job, a really good job. They were pretty up front with me throughout the whole process and explained exactly what they were doing over the course of the 5 months that I was with them. Instead of being vague like other companies I talked to they explain every part, every process, and every step that they took, and that was very important to me. My scores went up, a bunch of stuff got deleted - I'm happy.

7 years ago

star star star star star

Sasha New York, NY

I couldn't afford some of the other companies so I chose this one because of the price. I used them for 8 months and my score went to 673, it was 500-something before. My sister used another company and paid them $100 a month, she started same time as me and her score still sucks, lol. I'm glad I used the credit firm.

7 years ago

star star star star star

Watson Miami, FL

Just got a letter from TransUnion, my Tax Lien was deleted! This was the final hurdle stopping me from buying a house. Wish I didn't waste time and hired credit firm a long time ago, my interest rate would have been smaller. Still happy I finally got this taken care of.

8 years ago

star star star star star

Javier

I had creditfirm.net work on my credit for 8 months and my credit score increased from 486 to 647. Although the score is still not perfect, I did get pre-approved to buy a house, which is the most important thing for me. Once the closing is done, I'm going back to get my score up even higher.

11 years ago

star star star star star

Edgar Garcia Rolling Meadows, IL

I'm very happy that I can tell others about a credit repair company that actually does what it promises. Credit Firm went above and beyond to help get me qualified for a mortgage. They worked hand in hand with my loan officer to get me to a 640 score before the contract on our house expired. You can trust these guys.

11 years ago

star star star star star

Justin Jus Buffalo Grove, IL

I was a bit hesitant when signing up with a credit repair company, but these guys did an excellent job explaining the process and walking me through step by step. It's not that complicated really, and 8 months later, I'm sitting pretty with a 726 credit score thanks to credit firm.

12 years ago

star star star star star

Irene Vernon Hills, IL

I hired creditfirm.net after I was turned down for an auto loan. After 3 months I came back to the dealership and got a 2008 Toyota Avalon at 5%! My credit score went up to 691. I'm continuing the services so that I can get over 750. I've recommended this company to several family members already and I would recommend them to anyone.

12 years ago

star star star star star

George Bunker Phoenix, AZ

Communication has been great so far. I love being able to speak with the person working on my credit and get his feedback on what I should be doing. Scores are going up and I'm a happy customer

2 years ago

star star star star star

Mr. Lee Parker, CO

Credit scores gone up to 689 on creditsesame from 400s. I was a bit antsy at first but after a few months I started seeing stuff coming off and and my score began creeping up. Took me about 5 months but now I'm good to go.

6 years ago

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Janet Stein Plano, TX

Company did a good job, they deleted a lot of my medical collections and cleared off some old late payments from a few years back. My scores on credit karma both went up over 100 points so I'm happy but, the price for the service is $50 a month not $40.

8 years ago

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Derek Roman Vernon Hills, IL

Credit score went up 71 points after credit firm deleted 12 accounts off my reports. Great service, super cheap! I'd give them a 10 if they responded to emails faster, but I can't really complain since they got rid of $8,000 in collections from my reports.

10 years ago

star star star star star

Maria Buffalo Grove, IL

I have to say CreditFirm.net is the best company I have interacted with. From the 1st phone call I felt comfortable telling my credit consultant about my credit problems. He was very polite and knowledgeable.

11 years ago

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David Kazakov Phoenix, AZ

They simply do nothing. Before signing up with them, I found quite few positive reviews and decided to try for 3-4 months. I'm debt free, except mortgage, but because of few missed payments and debt settlement, my current credit score is around 630-650, and i was expecting to bump it at least on 50 points. After submitting disputes to 3 credit bureaus (or at least as they posted it on their account), and waiting for 30-45 days, nothing happened, i didnt receive any mail from credit bureau. Ok, that would be fine, but any communication with Creditfirm was ignored. They don't respond to your email, dont respond to Notes on your account which supposed to be working as email per them, and every time when you call them to get updates, receptionist assures you that someone will call you back in 48 hours. Ok, I was very patient, but long story short, after calling them 4 times in June with interval of 7 days between calls, nobody ever called me back. All they needed to do to provide me update for my disputes after 30-45 days passed. I don't care about $50/month fees, I care about improving my credit score and receiving updates, be it good or bad. Please, give yourself a favor and DONT WORK WITH CREDITFIRM. You will be ignored, charged $50/month for nothing, and lied by receptionist. I got zero result in 2 months with my pretty easy case.

3 years ago

star star star star star

Texas Bern Big Sandy, TX

7 collections GONE and my credit is Resurrected this day just like our LORD and Savior. Happy Easter everyone, I'm fittin to buy a house tomorrow!!!!!

5 years ago

star star star star star_border

Dontrey S. Plano, TX

After 11 months credit firm deleted 24 accounts including a $12,000 collection account for my repossessed car. My scores all went up over 150 points and I just got word that I'm pre approved to buy a house.

8 years ago

star star star star star

Baker

Just got a letter in the mail from TransUnion writing that 5 accounts were deleted from my report, one of which is a $11,000 repo. 100 stars!!!

2 years ago

star star star star star

Justin Samson Lemon Grove, CA

I used credit firm to delete 50 inquiries from my credit and got my score up to 700. Good service. Not expensive and most important HONEST!

6 years ago

star star star star star

Diane Scottsdale, AZ

My credit score is over 140 points higher after 8 months with credit firm. I'm very satisfied and happy to recommend them to everyone.

9 years ago

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Jackson Moore Vernon Hills, IL

Got 18 accounts deleted off my report in 5 months and my score increased about 120 points. Good company to help get your credit right.

10 years ago

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Lisa Baltimore, MD

They do not respond to customers promptly! Credit score has not improved. Waste of time and money. The price is lower and it pretty much matches the quality.

9 years ago

star star star star star

Jose Hernandez Buffalo Grove, IL

You guys ROCK! I'm closing on my home in 2 weeks because of you. Thank YOU!!!

11 years ago

star star star star star

Sandra Tellado Vernon Hills, IL

Excellent work cleaning up my credit! Thank you!

10 years ago