Is CreditFirm.net a legitimate company?

Yes, Credit Firm is a legitimate credit repair company, offering services to help customers correct their credit reports and improve their credit scores. Like many other credit repair companies, Credit Firm is not accredited by the Better Business Bureau. However, it does hold a BBB rating of A, whereas many other credit repair companies are not BBB-rated.

Are credit repair companies a scam?

Many credit repair companies offer legitimate services designed to help people increase their credit scores by removing inaccurate, outdated or misleading information from their credit reports. Unfortunately, some fraudulent companies run credit repair scams. Watch for red flags like promises to increase your score to a specific number or phone solicitations requesting large upfront payments.

Can I fix my credit without a credit repair company?

Yes, consumers can repair their credit on their own. Instead of hiring a company, you can dispute an error on your credit report with the credit bureaus yourself. If there are no errors to dispute, you can still repair your credit by paying down your debt balances and making payments on time. Consider the pros and cons of using a credit repair company to help you decide whether to fix your credit on your own or hire one.

Credit Firm Credit Repair Review 2024

Best value for your dollar

Credit Firm

4.1

Start-up fee: $0
Monthly fee: $49.99
Money-back guarantee: none
Maximum number of disputes: Unlimited
Types of letters to creditors/bureaus: Dispute, intervention, cease-and-desist and debt validation
Pros

Comprehensive service package at a low price: With a monthly rate of $49.99 ($89.99 for couples), Credit Firm’s suite of services represents a strong value for your dollar.

No first work fee: Unlike many other credit repair companies, Credit Firm does not charge an extra upfront fee. It also delays the first billing by five days while processing your file to create an action plan and begin contacting credit bureaus.

Unlimited disputes, inquiry challenges and goodwill interventions: While most credit repair companies limit the number of filings per billing cycle, Credit Firm provides unlimited filings.
Cons

No credit monitoring: Without regular credit updates, it can be difficult to know what Credit Firm is doing for you and how effective its service is.

No money-back guarantee: Unlike many other credit repair companies, some of which offer a 90-day money-back guarantee, Credit Firm offers no such assurance.

Credit Firm, also known as CreditFirm.net, has been providing credit repair services since 1997. Founded by a group of attorneys specializing in consumer credit advocacy, its team helps clients remove incorrect or misleading information from their credit histories, which can sometimes lead to a quick credit score boost.

With flat, all-inclusive low monthly pricing, no start-up fee and unlimited disputes, Credit Firm is one of the best credit repair companies available to value-conscious consumers.

Credit Firm services

Credit Firm offers the following services:

Credit bureau disputes
Inquiry challenges
Goodwill interventions
Escalated info requests
Debt validation
Cease-and-desist requests
Name variance challenges
Method of verification requests
Section 609 requests
CFPB investigations

While many credit repair companies offer a limited number of challenges, disputes and interventions per billing cycle, Credit Firm offers unlimited filings. This means your credit report may be cleaned up faster than with other credit repair services.

For example, if you have four accounts to dispute, Credit Firm could file them all in the first month, while another company might only file three disputes in the first month and save the fourth for the following billing cycle.

What Credit Firm does not cover

Credit Firm does not offer credit monitoring or provide a convenient way to track your credit repair progress. Furthermore, it does not provide any sort of protection against identity theft.

Like all legitimate credit repair companies, Credit Firm can only confirm the accuracy of records listed on your credit report and challenge incorrect information. It cannot dispute accurate information on your credit report.

Credit repair packages

Credit Firm keeps things simple with a single package that covers most of the services you’d expect from a credit repair company, including credit bureau disputes, goodwill interventions and inquiry challenges.

What sets this package apart is the inclusion of advanced features often found in premium tiers at other companies. Access to escalated information requests, debt validation and cease-and-desist letters, all for a competitive $49.99 per month (or $89.99 for couples) makes this a good deal.

However, one notable drawback is the lack of credit score tracking. Customers will need to regularly check their credit scores on their own to keep track of improvements and changes.

Additional features

Free credit review

Credit Firm offers a free consultation to help potential customers understand credit repair and how it could potentially improve their credit scores.

Procedural compliance verification

Credit Firm verifies that the credit bureaus conduct their investigations in compliance with Section 611 of the Fair Credit Reporting Act (FCRA). If any steps are missed or the investigations are delayed, Credit Firm will request the removal of the disputed account from your credit record.

Credit Firm’s accessibility and availability

Credit Firm is open around the clock, every day of the year, and serves all 50 states.

Availability

Credit Firm serves customers in all 50 states.

Contact information

Credit Firm’s phone number is 800-750-1416, and its email address is info@creditfirm.net. There is also a contact form on the website, as well as a chatbot to assist. The company claims to remain open 24 hours per day, 365 days per year. However, multiple customers report having difficulty reaching a company representative at all hours.

Instagram: @creditfirm
Facebook: @creditfirm.net
X: @creditfirm

Credit Firm customer experience

Customers report being happy with the low price point. However, there are some complaints that it can be difficult to reach a representative or receive a quick reply.

Customer reviews are split regarding the results provided by Credit Firm. This is common in the credit repair industry where customers are generally satisfied when their credit scores increase and disappointed when their scores do not increase.

Contract duration

Credit Firm does not require a long-term contract. You can sign up for the monthly service and cancel anytime to stop the monthly payments.

Customer and third-party reviews

BBB rating: 3 stars with 2 reviews. Credit Firm is not accredited by the Better Business Bureau, but it currently holds a BBB rating of A+.
Consumer Affairs average rating: Not listed
Google Reviews average rating: 3 stars with 14 reviews
Trustpilot average rating: 2.9 stars with 52 reviews

Review information accurate as of January 7, 2025.

Several online reviews report that Credit Firm has done nothing besides collect payment, only to have Credit Firm respond with a detailed account of the progress it has made on the account. This indicates that Credit Firm is better at filing disputes and keeping records than at communicating with customers. With no automated credit monitoring or progress tracking system, customers are often unaware of the work Credit Firm is doing on their behalf.

In general, credit repair companies often have lots of negative reviews stating that the company is a “scam” for collecting monthly service fees but not improving a customer’s credit score.

Keep in mind that credit repair companies can only eliminate inaccurate, misleading or outdated information from your credit report. If a negative item on your report is accurate and current, it cannot be removed by any credit repair service. Therefore, even legitimate services may be unable to improve all credit scores.

Regulatory and legal

Credit Firm does not appear to have any pending legal issues.

Credit Firm vs. competitors

Credit Firm vs. CreditRepair.com

With discounted packages starting at just $49.95 per month (normally $69.95 per month), CreditRepair.com is the closest competitor to Credit Firm in terms of pricing. The services included in CreditRepair.com’s affordable package are similar to those offered by Credit Firm. Both packages include disputes to all three credit bureaus and creditor interventions.

CreditRepair.com offers additional services missing from Credit Firm, including ID theft and quarterly credit score updates. However, CreditRepair.com limits the number of disputes and interventions per cycle (on every plan except for the $119.95 Advanced package), while Credit Firm’s disputes and interventions are unlimited.

Credit Firm vs. Credit Saint

Credit Saint offers three packages of service to meet a range of needs. The most comparable to Credit Firm’s offering is the $79.99 Credit Polish plan, which comes with challenges to the three credit bureaus, creditor intervention letters and a credit score analysis and tracker.

Unlike Credit Firm, Credit Saint offers a 90-day money-back guarantee. However, Credit Saint also charges a $99 first-work fee, while there is no such charge with Credit Firm

Credit Firm vs. Sky Blue Credit

Like Credit Firm, Sky Blue Credit offers couples pricing to help partners improve their finances together. Sky Blue offers three packages, a Basic plan for $79 per month ($119 for couples), an Advanced plan for $99 per month ($149 for couples) and a premium plan for $119 per month ($179 for couples).

Sky Blue’s Basic package provides credit bureau disputes, one-on-one consultations and 60-day credit updates. It also offers reports and scores from the three credit bureaus, a score tracker and a client portal with 24/7 access. You would need to upgrade to the Advanced plan to match Credit Firm’s suite of services, which also include creditor interventions and cease-and-desist requests. Sky Blue’s primary advantage over Credit Firm is that it offers a 90-day money-back guarantee.

Frequently asked questions

Yes, Credit Firm is a legitimate credit repair company, offering services to help customers correct their credit reports and improve their credit scores. Like many other credit repair companies, Credit Firm is not accredited by the Better Business Bureau. However, it does hold a BBB rating of A, whereas many other credit repair companies are not BBB-rated.
Many credit repair companies offer legitimate services designed to help people increase their credit scores by removing inaccurate, outdated or misleading information from their credit reports.

Unfortunately, some fraudulent companies run credit repair scams. Watch for red flags like promises to increase your score to a specific number or phone solicitations requesting large upfront payments.
Yes, consumers can repair their credit on their own. Instead of hiring a company, you can dispute an error on your credit report with the credit bureaus yourself. If there are no errors to dispute, you can still repair your credit by paying down your debt balances and making payments on time.

Consider the pros and cons of using a credit repair company to help you decide whether to fix your credit on your own or hire one.

Methodology

Overall score	4.1
Services offered	4.0	Credit Firm doesn't offer some additional credit help that other companies do.
Affordability	4.9	Credit Firm has no first work fees and low monthly fees.
Customer service	4.1	Credit Firm doesn't have an app or online chat support but otherwise scores highly.
Expertise/Effectiveness	3.5	Credit Firm's customer reviews average and lack of identity theft insurance brought down the score.

To evaluate the best credit repair companies, the Bankrate team looked at the following factors:

Affordability: We looked at the overall affordability of the company, including start-up fees, late fees and monthly fees.
Customer service: To evaluate customer service, we considered factors such as customer service hours, the number of support channels, the prevalence of disclaimers and the number of states available.
Expertise and effectiveness: Companies were scored based on factors including number of years in the business, customer ratings, the average score improvement and if the company has experienced legal issues in the past.
Services: Credit repair companies were evaluated based on the number and types of services offered. We look at whether companies offer services such as identity theft monitoring, the number of disputes per month, credit score monitoring, education and debt trackers to evaluate how each company's services compare.

Credit Firm Credit Repair Review