Credit Firm, Inc. offers credit repair, monitoring, and coaching assistance to nationwide consumers on a pay-per-month basis. The company offers one-on-one coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services. Credit Firm also assists consumers with home and auto loan approval preparation.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#16
credit-firm-net

$39.99
7.1

The Good

With Credit Firm, Inc. prospective clients can expect to receive a service that allows for disputes of inaccuracies found on various credit reports. They provide a straight-forward process that maximizes results in a realistic period of time. Benefits of the Credit Firm, Inc. include:

Extensive Credit Restoration Services

Credit Firm delivers an extensive range of credit restoration services to help consumers reduce overall debt and increase their credit score. The company creates customized plans for its clientele and works to stop harassing calls from bill collectors. The company also works with clients to obtain mortgage loans in the home-buying process.

The Bad

Although Credit Firm has designed a process that will help consumers remove inaccuracies, there are limitations to their platform as well. These drawbacks include the following items:

No Pricing Information

The credit repair company does not disclose specific details regarding its pricing structure to the general public on its corporate website. Interested consumers will need to speak with a company service representative directly in order to get a price quote for their unique situations.

No Consumer Reviews

There does not appear to be any customer testimonials or reviews regarding the company online. The company does not offer proof of past successful deletions on its corporate website. There are also no licensed attorneys on staff to assist consumers with legal issues such as tax liens and bankruptcies.

The Bottom Line

Credit Firm, Inc. is a nationwide 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. However, the company does not disclose pricing to the general public on it website and there are no consumer reviews or testimonials

How it Works

Credit Firm, Inc. uses a simple three step credit repair process.

Step #1: Analysis
Consumers will obtain their credit reports from the 3 major credit bureaus. A credit expert will review these reports for inaccurate items eligible for removal. The company will also work with the client to create a customized plan to address an remaining credit issues.

Step #2: Dispute Process
The company will draft and send dispute letters to the credit bureaus on the client’s behalf. An investigation will ensue and results will be sent directly to the client within 30-45 days. The company will also negotiate debt settlements with other creditors during this time.

Step #3: Settlement
The company will continue to monitor progress to ensure deleted credit items are removed permanently and help resolve any remaining debt. The company will provide the client with credit coaching and establishing good lines of credit.

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15 CreditFirm.net Reviews

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  1. User Score

    9

    October 14th, 2016 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.

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  2. User Score

    8

    September 14th, 2016 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.

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  3. User Score

    10

    July 22nd, 2015 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.

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    3 1

  4. User Score

    1

    June 27th, 2015 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.

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    1 1

  5. User Score

    9

    March 10th, 2015 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.

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    2 1

  6. User Score

    9

    October 28th, 2014 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.

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    3

  7. User Score

    10

    July 10th, 2014 Vernon Hills, IL

    Excellent work cleaning up my credit! Thank you!

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    2 1

  8. User Score

    9

    June 18th, 2014 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.

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    2

  9. User Score

    10

    February 27th, 2013

    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.

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    2 1

  10. User Score

    10

    February 7th, 2013 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.

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    1 1

  11. User Score

    10

    February 7th, 2013 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!!!

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  12. User Score

    10

    January 17th, 2013 Buffalo Grove, IL

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

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    1 1

  13. User Score

    10

    January 17th, 2013 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.

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    1

  14. User Score

    10

    December 14th, 2012 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.

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    2

  15. User Score

    10

    December 11th, 2012 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.

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    1