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.
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.
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.
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.