Credit Repair Review

Affordable credit repair services, but no friendly money-back guarantee

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

Investopedia’s Rating

Our Take offers an affordable, no-frills service at $49.99 per month without any additional fees. However, those looking for more customizable options and credit monitoring services will need to look elsewhere.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Low fees

  • Assigned a personal credit consultant

  • Unlimited monthly disputes and communication with creditors

  • No money-back guarantee policy

  • No customization

  • Doesn’t include credit monitoring

Key Takeaways
  • was founded in 1997 and operates online. 
  • The credit repair company only offers one credit repair package, with services such as credit disputes and interventions. 
  • There are no initiation fees and customers are charged a flat monthly rate of $49.99 ($89.99 for couples).
Company Overview is one of the oldest credit repair companies we’ve reviewed—it was founded in 1997 and is based in Deerfield, Illinois. The company has helped over 60,000 customers throughout the U.S. improve their credit.

  • Year Founded 1997
  • Services Offered Credit disputes, credit monitoring
  • First Work Fee None
  • Monthly Fee $49.99
  • Customer Service Phone, email, contact form
  • Official Website 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: 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 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. 

Many credit repair companies advertise debt validation and cease-and-desist letters as part of their services, but few explain the potential negative ramifications of pursuing these actions. While both are useful if you’re dealing with a debt you believe to be erroneous, you should use them sparingly. Both may cause lenders to pursue more aggressive action against you (including legal action) if they believe you’ll try to evade the debt.

Company Features 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 (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 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:
  • Phone: (800) 750-1416
  • Fax: (847) 739-7273
  • Mailing Address:
    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 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.

You can file a complaint with the FTC if you have issues with any credit repair company or its services by calling (877) FTC-HELP or through the FTC fraud website

Contract Duration

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


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. 

Though most credit repair companies are generally reputable, there may be some that suggest you engage in behaviors that misrepresent facts, such as asking you to attempt to create a "new" credit report by using your Employer Identification Number, for instance. If anything seems fishy, it's better to steer clear and consider another credit repair company. 

Alternative Choices  Sky Blue Credit 
Services Offered Credit disputes Credit interventions Credit disputes Credit monitoring Identity theft Debt management Credit disputes Score assistance Debt management One-on-one coaching
Max. Number of Monthly Disputes  Unlimited  19 per 45–60 days  Unlimited 
Letters to Creditors/Bureaus  Debt validation, section 609, goodwill, method of verification, permissible purpose verification, CFPB investigations, FTC investigations, OCC investigations, cease-and-desist, Section 605B  Collections, late payments, charge offs, liens, bankruptcies, repossessions  Debt validation, cease and desist, goodwill, method of verification 
Min. First Work Fee  $0  $24.95  $79 
Min. Monthly Fee  $49.99  $24.95  $79 
Customer Service Platforms  Phone, email, contact form  Online, phone, email, live chat, mobile app  Online, phone, email 
Final Verdict is a budget-friendly option for those looking for a no-frills solution to their credit repair needs. You won't find add-ons or ways to customize your package, but the service will likely work well for many consumers. You’ll just need to find your own credit monitoring service to keep tabs on your progress and make sure CreditFirm is having a positive impact on your credit.

We rated CreditFirm among the top credit repair companies, but there are several good options out there. Browse our picks for the best credit repair companies to shop around.

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.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. "The Cost of Professional Credit Repair Services." 

  2. "Services We Provide."

  3. "Contact Us." 

  4. Trustpilot. " Reviews."