Creditfirm.net Review: A Cheap Way to Repair Your Credit

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Updated: 23rd Nov 2020
Written by Kim Pinnelli
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In this Article: Creditfirm.net Review. Find out how this credit repair company stacks up against the rest.

Credit repair doesn’t have to cost an arm and a leg. Actually, it shouldn’t. Why should you go broke trying to fix your credit? That just seems crazy.

Creditfirm.net believes this too, which is why they offer superb credit repair service and crazy low prices.

They blow the competitors out of the water price-wise, but how does their service add up?

What is Creditfirm.net?

Creditfirm.net is more than a credit repair company. They are one of the best credit repair companies that is run by lawyers. A team of lawyers oversees your credit reports, finds the details to dispute, and gets it done.

Creditfirm.net has been around since 1997 and has an A+ Better Business Bureau rating.

They are one of the oldest credit repair companies around, helping millions of consumers fix their credit with disputes and proper education.

How Does Creditfirm.net Work?

Creditfirm.net has a simple 3-step process. It’s easy to follow and fast to set up.

#1. Sign up

Complete the online form. It takes just minutes. If you aren’t comfortable, you may also call 1-800-750-1416.

#2. Send your credit report

You can access your FREE credit report and send it to Creditfirm.net. If you have trouble getting your credit report, let them know, and they’ll help you.

#3. Start the credit repair process

Creditfirm.net takes over from there – handling all negative information on your credit report. They’ll dispute even the smallest detail, which is the advantage of using lawyers.

They catch every small detail, confirming the changes, and making sure every bit of your credit report follows the law.

Creditfirm.net Review: They Offer Select Unlimited Services

Creditfirm.net does more than most credit repair companies and for no extra charge. They realize each situation is different. No two consumers have the same credit report issues.

They tailor their program to what each client needs and all services listed below are unlimited.

Credit Bureau Challenges

They challenge any inaccurate or unfair information with the reporting credit bureau. They’ll do this as many times as necessary until they fix the report.

Inquiry Challenges

Unauthorized inquiries are a sign of identity theft. Creditfirm.net disputes them and looks out for other signs of ID theft.

Goodwill Interventions

If you missed a payment but typically have a great payment history, Creditfirm.net will intervene on your behalf to get the creditor to erase the late payment information.

Related: Goodwill Letter

Name Variance Challenges

If names appear on your credit report that don’t belong to you, it could hurt your score if negative credit gets attached to your report. Creditfirm.net disputes those names.

Address Variance Challenges

Addresses that don’t belong to you but appear on your credit report could lead to negative credit reporting that isn’t accurate, Creditfirm.net disputes them.

Debt Validation

This is an aggressive measure to prove the debt belongs to you. Creditfirm.net requests detailed reports to prove or disprove the account belongs to you.

Related: How to Write a Debt Validation Letter

Escalated Information Requests

The lawyers at Creditfirm.net get aggressive with the credit bureaus, asking for proof of compliance with all laws. If laws weren’t followed, they ask for the information to be corrected or removed.

Cases and Desist Requests

Creditfirm.net asks creditors to not call you while you figure your situation out. They know how to word it so that creditors listen.

Creditfirm.net Review: Standout Features

Credit Education

Some credit repair companies just take your money and try to fix your credit report. They do not take that extra step to provide the necessary education to improve your credit moving forward.

Creditfirm.net has an entire webpage dedicated to educating the consumer. They teach you all about credit, how it works, and what you can do to keep your credit score high.

Personal Credit Consultation

Everyone gets a free credit consultation. During the consultation, you’ll review your credit report and create a plan.

The plan will include ways Creditfirm.net can dispute your negative credit lines and other steps you can take to improve your credit score.

Customer Service

Creditfirm.net offers around-the-clock customer service. Their representatives are available 7 days a week and any time of day.

How Much Does Creditfirm.net Cost?

Creditfirm.net has one monthly fee – $49.99 per month. You pay as you go and can cancel at any time. Your first payment is charged 5 days after you sign up.

This gives them time to set up your account, create a plan, and put it into action. Creditfirm.net bills you automatically on the same day each month.

How to Sign Up with Creditfirm.net

Signing up is simple. You’ll just need the following information:

  • Name
  • Email
  • Phone number
  • Address
  • Email address
  • Your payment information

If you’d prefer, you can call Creditfirm.net and sign up with a representative too.

Pros:

  • Creditfirm.net doesn’t charge an upfront or setup fee
  • Low monthly fees
  • You work with lawyers who may spot more errors on your credit report than a regular credit repair company
  • Customer service is available 24/7
  • Excellent rating with the BBB and a long history
  • Dispute Errors on Your Credit Report

Cons:

  • Creditfirm.net doesn’t offer a money-back guarantee
  • You have to provide your credit report for them
  • Creditfirm.net’s website is a bit overwhelming and outdated

Creditfirm.net Review: When Will I See Results?

Even the very best credit repair company can’t promise when you’ll see results. If they do, and promise you overnight results, it’s a scam.

Creditfirm.net aims for complete results within 8 months but honestly states that it may take up to 12 months.

Is Creditfirm.net Safe?

Anytime you share your personal information, it’s scary. It’s good to be cautious, but Creditfirm.net has an A+ rating with the BBB and has quite a history behind them.

With mostly positive reviews, it’s safe to say they are safe and dedicated to helping consumers fix their credit.

Alternatives to Creditfirm.net

1. Credit Saint (Our Favorite + Best Overall)

Credit Saint offers three packages for consumers depending on the number of disputes you need. They provide a user-friendly dashboard so you can see your progress at any time, and they offer more value-added services beyond credit repair.

Learn More: Credit Saint

2. Sky Blue Credit

Sky Blue Credit stands out with its 90-day money-back guarantee. They charge a flat monthly fee and work hard to dispute your credit issues. They include unlimited re-disputes until they get you the desired result.

Learn More: Sky Blue Credit Repair

3. The Credit People

The Credit People offers two payment options. You can pay as you go, canceling when you don’t need the service anymore, or pay for six months upfront for a savings of $74.

The Credit People has a 15-year history, user-friendly service, and a satisfaction guarantee.

Learn More: The Credit People Review

4. Lexington Law

Lexington Law is another credit repair company run by lawyers. They offer a few packages but push their top package which includes ID protection and credit education.

Lexington Law has a long history and has removed 1.5 million negative items from credit reports so far.

Learn More: Lexington Law

Is Creditfirm.net Worth the Cost?

Creditfirm.net is a ridiculously low-priced credit repair service. The fact that they have lawyers fighting your credit for you makes it an even better value.

While you may pay it for up to 12 months, it’s still a fraction of what other companies charge.

Creditfirm.net Review: What Are Previous Customers Saying?

Previous customers love Creditfirm.net. Many claim Creditfirm is the reason they were able to buy a house, improve their credit score significantly, and even delete crazy high collections off their credit report.

Bottom Line: Creditfirm.net Review

If your credit score needs help, let Creditfirm.net have a look. Their lawyers are incredibly trained to find even the smallest detail on your credit report that they can dispute.

They will help improve your credit score with their negotiation services and then educate you on how to keep your credit score high moving forward.

More Credit Resources to Check Out: 

Kim Pinnelli
Kim Pinnelli
Kim is a personal finance expert with a Bachelor’s degree in Finance from the University of Illinois at Chicago. She has been freelance writing for 13 years for a number of large publications. Kim thoroughly enjoys helping people take charge of their personal finances.