CreditFirm.net Credit Repair Review

CreditFirm.net is on our list of the best credit repair companies, so it deserves a second look. It offers simple, affordable services, with no initiation fees and the ability to cancel anytime. Services include credit disputes, debt validation letters, and cease-and-desist requests. It can meet your credit repair needs by helping you remove false information on your credit reports, and it can help you deal with debt collectors.

Pros Explained

• Low fees: CreditFirm.net charges a flat $49.99 monthly fee, and unlike just about every other competitor, there is no initiation fee.
• Assigned a personal credit consultant: Customers will work with a dedicated Personal Credit Consultant to dispute items on credit reports and complete any paperwork needed to work on your case. 
• Unlimited monthly disputes and communication with creditors: Whereas some credit repair companies only send a certain number of disputes per month, which could make the process lengthier and more costly, CreditFirm places no limits on the number of credit disputes or requests you can make.

Cons Explained

• No money-back guarantee policy: CreditFirm doesn’t offer refunds for any reason; compare that to some competitors, which will refund your initial or monthly fee if you decide to cancel or don’t get any results. 
• No customization: CreditFirm offers a single plan, with no higher tiers or add-ons. If it won’t fit your situation, you’ll have to look elsewhere.
• Doesn’t include credit monitoring: It’s important to monitor your credit throughout the credit repair process, but, unlike many other companies, CreditFirm doesn’t include credit monitoring in its package. See our picks for the best credit monitoring tools to supplement this service.

Types of Services

Customers can only sign up for one package; its services mainly consist of creditor interventions and credit disputes. Once you sign up, it’ll typically take one to two days before the company starts working with you on a credit repair plan. All of the services are provided in unlimited quantities per month, a step up from many competitors who put a cap on the number of disputes they’ll send with every cycle.

Credit Bureau Disputes

You'll be assigned a Personal Credit Consultant and will receive an in-depth legal credit audit, which consists of looking over your credit reports and finding any errors. Once complete, a plan will be formulated to contact the credit bureaus on your behalf to change or remove incorrect items on your credit reports. CreditFirm will look for erroneous hard inquiries, credit account details, and personal details. 

Creditor Requests

Customers can also request that CreditFirm.net send creditor interventions on their behalf in the form of letters or requests; these include debt validation requests, goodwill letters, and cease-and-desist notices. 

Company Features

CreditFirm.net is a pretty simple website; it only offers the following features:

• Free credit repair consultation: You can sign up to speak with a representative for free to see if CreditFirm.net (or credit repair services in general) are a good fit for you.
• Discount opportunities: Couples can save by signing up together—it’ll cost you both $89.99 total. We were also informed by customer support that more discounts will be forthcoming.

Customer Service

CreditFirm.net offers 24/7 customer service seven days a week, via phone, email, and a contact form. Customers can also log in to their accounts online to manage their requests and oversee their credit disputes.

• Email: info@creditfirm.net
• Phone: (800) 750-1416
• Fax: (847) 739-7273
• Mailing Address:
  CreditFirm.net
  1020 Milwaukee Ave.
  Suite 122
  Deerfield, IL 60015

Company Reputation

Looking at complaints filed with the Consumer Financial Protection Bureau, or CFPB, can sometimes help you figure out a company’s reputation. There are currently no complaints about CreditFirm.net listed with the CFPB, although this doesn’t necessarily indicate a good company reputation. Trustpilot gives CreditFirm a rating of 3.8 out of five, with most complaints being about customer response times.

Contract Duration

Customers don’t need to sign up for a long-term contract with CreditFirm.net. You simply pay a monthly fee and cancel your monthly membership at any time by contacting customer service.  

Cost

Unlike credit repair companies with multiple service tiers and hidden fees, CreditFirm only charges a monthly fee of $49.99, or $89.99 for couples, for all of its services. There is no first work or initiation fee.

How to Choose a Credit Repair Company

Here are some factors to look for that will help you find credit repair companies that best suit your needs:

• Price: Most credit repair companies charge first work fees followed by monthly fees, and in some cases cancellation fees. Some will charge extra for services like hard inquiry disputes, so check what services are inclusive or extra before signing up.
• Consultations: Most companies offer free initial consultations to determine whether credit repair or their company is a good fit. Beware of companies that make guarantees to lower your score or remove accurate negative information.
• Written contract: Having a contract in writing ensures you are clear as to what your rights are as a consumer, and what the company promises to do once you sign up for its services. 
• Services offered: What will the company actually do on your behalf? Some credit repair companies only dispute certain types of items, or will only dispute a certain number per month. Be sure the company you choose can deal with your unique situation (you should be able to figure this out in your consult).
• Reviews: Sources like CFPB or Trustpilot can give you some insight into any legal actions or complaints taken against a credit repair company. 

Alternative Choices

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How We Review Credit Repair Companies

Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, giving the highest weights to those that are the most significant for customers.

The top picks were selected based on:

• Costs and fees (weighted 40.5% in total)
• Services offered (34%)
• Customer experience (22.5%)
• Stability (3%)

We took into account factors like how many disputes will be sent per month, what kinds of dispute letters will be sent, cancellation and return policies, and how long companies have been in business. This information was used in our company's star ratings and best picks.