How To Repair Your Credit With Credit Firm

By: Heather Hanks Mar. 14, 2019

A credit repair service can help improve your credit score, but only if you have negative items that need to be removed from your report. Credit Firm is a credit repair company, that can help get your credit score back to where it should be. With a monthly payment of $49.99 per month, Credit Firm is an affordable option for those in need of credit restoration.

The company offers services that other credit repair companies do not, such as unlimited credit removals every month and a money back guarantee. There are no contracts needed, and you can cancel your service whenever you want. Here's everything you need to know about Credit Firm and how they can help you restore your credit.

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What is Credit Firm?

Credit Firm is a credit repair service that has been in business since 1997. They offer credit repairs in all 50 states as well as Washington, DC. Credit repair companies help customers restore their credit by disputing negative or unfair items on the reports. Examples include collections, charge-offs, late payments, and bankruptcies. By having these items removed, Credit Firm can help you improve your credit score so you can get approved for more money and better loan terms in the future.

According to the website, Credit Firm strives to provide leading credit repair services to help their clients build a strong credit foundation to reach their financial goals. The company sticks out from other credit repair services in two major ways. First, they offer a money-back guarantee if you're not satisfied with your results within 60 days. You can also cancel your membership anytime and pay on a monthly basis. Next, Credit Firm does not put a limit on how many items you can dispute per month. Other major credit restoration companies usually set a cap of three to five items per month. This means that you can get more work done when you choose Credit Firm as opposed to other companies. They also charge less per month than other credit restoration companies.

You can contact the company 24 hours a day/7 days of the week with questions. They have a 9 out of 10 rating from reviews listed on their website. The company claims that you should choose them because of three significant advantages that they have over of their companies. First, their credit repair services were developed by experienced attorneys who know the law. It's possible for you to dispute negative credit items on your report without professional help, but you will get better results by hiring Credit Firm.

Next, the company guarantees that documents are processed and set out for investigation within five days. This means that you should expect to see results sooner than other companies. In some cases, it may take several months for you to see your credit score improve. Credit Firm works quickly to minimize this timeframe. They catch mistakes quickly and send out dispute letters in a timely manner so that you can restore your credit sooner rather than later. Lastly, Credit Firm claims that they have award-winning customer service. They are always available and ready to answer your questions. You can consult with their attorneys if you have questions about your credit report or how credit works in general.

Here is a list of items that you can hire Credit Firm to remove from your credit report:

Judgments

Bankruptcy

Collections

Tax lien

Charge-offs

Repossessions

Hard-pull credit checks

Late payments

In addition to credit repair, Credit Firm offers credit monitoring and coaching assistance to their customers. You can get one-on-one coaching from the attorneys at Credit Firm when you sign up for their services. They also offer pay-for-delete creditor negotiations, tax preparation services, and student loan consolidation. Consolidating your loans can help you get a smaller monthly payment with a better interest rate. The company also dabbles in home and auto loan approval preparation. Their attorneys know the law and can help protect your credit by negotiating with lenders and creditors. They can also send out cease-and-desist letters to debt collectors.

Other services that Credit Firm offers include:

MOV requests

Permissible purpose verification

Debt validation

Goodwill requests

How Does Credit Firm Work?

When negative items appear on your credit report, it can make you look risky. This means that lenders and banks are less likely to work with you or offer you good interest rates when you take out a loan. A bad credit score can make it harder to borrow money or make big purchases. Your credit score also affects factors such as renting a home, leasing a vehicle, or even starting your own business. Restoring your credit is something you may want to do to ensure your future financial health.

Credit Firm works by locating negative items on your credit report and disputing them with appropriate lenders to have them removed. Removing negative items from your credit report helps restore your credit score. examples of negative items include late payments, judgments, foreclosures, in bankruptcies. Credit Firm is staffed with attorneys who know the law. They understand that a fair and accurate credit report your legal right. They work to ensure that your credit report is correct by having these items removed from your report.

Credit Firm has other money-saving perks, too. Instead of charging you a fee to pull your credit report, the company encourages you to obtain your report for free. You can pull your credit report through the government-mandated website annualcreditreport.com. This website allows you to pull your credit report for free, which saves you money from paying a credit restoration company to do it for you. Keep in mind that pulling your credit report may negatively affect your credit score. Checking your credit once per year is a good idea, but try not to do it more than that.

Along with restoring your credit, Credit Firm also offers credit monitoring services and educational information. The company will help teach you about credit, how it works, and how to restore it. This allows you to make good financial decisions in the future to reduce the need for hiring a credit repair service again. They also offer 24-hour customer care service. You can cancel your membership anytime.

Here is a full list of the services they provide:

Credit monitoring

One-on-one coaching from an attorney

Credit coaching assistance

Debt validation

Student loan consolidation

Tax preparation services

Pay-for-delete creditor negotiations

MOV request

Preparation for home and auto loans

Cease and desist letters sent to debt collectors

Goodwill request

Permissible purpose verification

What Does Credit Firm Offer?

Credit Firm offers various unlimited services to all 50 states. Other companies may not service your state, which gives Credit Firm an advantage above other companies. They also allow you to pay as you go with a flat rate fee of $49.99.within this rate, you will have access to all of the above list of services. You will also get credit education so that you can make better financial choices in the future. The company promises that you will not be charged hidden fees. They will never bill you per item deletion. All services are included in your monthly flat rate fee. This includes unlimited credit disputes, any and all consultations, all Goodwill interventions, debt validations, and escalated information request.

The following is a list of services Credit Firm provides with your monthly payment:

1

Legal in-depth credit audit

the company will request that you send in your credit report for free. Once they receive it, they will go over your report with a fine comb. This means they will break down every item to determine the best course of action to take to optimize your credit score.

2

Unlimited credit bureau challenges

Credit Firm promises that they will dispute as many negative accounts you have on your report per month without charging you extra.

3

Unlimited procedure request verification

the company will work with the credit bureaus to make sure they are complying with the law to make changes to your account. They will work to verify this information and ensure that your credit report reflects changes made.

4

Unlimited inquiry challenges

Credit Firm states that your credit score can decrease as much as five points for every inquiry. They will work with creditors to verify the permissible purpose of the inquiries that appear on your credit report. This ensures that they don't negatively affect your score.

5

Unlimited personal information variance challenges

having too many personal information variances on your credit report can negatively affect your score. They make it appear as if you are unstable or display sporadic behavior, which sends a red flag to potential lenders. Credit Firm works to remove multiple personal information on your report that makes you appear risky. These include addresses, names, employers, and other. This can help secure better loan terms down the road if you decide to take out a loan.

6

Unlimited Goodwill interventions

Credit Firm does not place a cap on the number of friendly interventions that help boost your current standing relationship with creditors. This can positively impact past negative items on your report and build a better relationship with these lenders moving forward.

7

Unlimited escalated information requests

Credit Firm does the dirty work for you by partaking in the confrontational intervention. This occurs when you need to obtain documentation and proof of compliance from a creditor. Doing so helps protect you and makes sure that credit reporting is being done in a fair and accurate way.

8

Unlimited data validation

Credit Firm will demand documentation for all questionable items on your credit report. This is a highly aggressive intervention that requires professionally trained attorneys. The company will demand copies of the original signed contract, previous statements, and other documents from a creditor to prove all negative items or have them removed immediately.

9

Defense against collection agencies

Credit Firm will send cease-and-desist letters to collection agencies so that they stop bothering you. They will also work with you to help consolidate your debt and pay off as much as you can in a timely manner on a budget that works for you.

Credit Firm Pros And Cons

When it comes to working with Credit Firm, there are significantly more pros than cons. The company allows you to cancel your service anytime. They also charge lower than average monthly flat rate fees for the same amount of services that other companies offer. They are staffed by in-house attorneys who will teach you how credit works and help you make better decisions in the future. There is also no limit as to how many items you can have removed from your report every month. Some services will charge you per item removed. This can get costly. Credit Firm also offers credit monitoring, interventions and disputes, and defense protection against collection agencies. All of their services featured unlimited amounts.

Here are the pros and cons of working with Credit Firm:

Credit Firm Pros

  • Multiple unlimited services
  • Affordable flat rate fee
  • You can cancel anytime
  • Free credit education from in-house licensed attorneys
  • Credit monitoring available
  • 24-hour customer service available so you can check the status of your account whenever you want
  • Unlimited negative items removed from your report for a month
  • The company has been in business since 1997 and has good ratings

Credit Firm CONS

  • There is no guarantee that an item pulled from your credit report will be gone forever. This is true of all credit restoration companies and not just credit for.
  • Any item that is removed from your credit report may reappear within several years. Many people find this frustrating after paying for a credit restoration service.
  • It's a good thing to keep this in mind before paying the $50 flat rate fee to have these items removed.

How To Sign Up Credit Firm

1

When you're ready to sign up, visit the company's website.

The sign-up process involves three simple steps. First, you'll need to fill out a simple online enrollment form. You can do this by visiting their website or calling their toll free number at 1-800-750- 1416. Calling toll-free allows you to enroll over the phone with one of their credit repair consultants. This allows you the opportunity to ask any questions you have about the service.

2

The next step is to send in your credit report.

Credit Firm encourages you to use a government-mandated website to obtain your credit report for free. Other companies charge you approximately $13.95 to pull this information for you. Sending in your credit report for free means that you will have a copy of it to begin with. You can send your credit report via email, standard mail, or fax. The company states that if you do not have a credit report or have trouble accessing one, they can help. Contact the company and they can help you obtain this information for free.

3

The final step includes starting the credit repair process.

During this time, the company will work directly with all of your creditors and lenders to make sure that your credit report is fair and accurate. They are staffed with in-house attorneys who know the law and will work to remove negative items from your report. The company will also correspond with all credit bureaus to confirm necessary changes. They will demand that all items that cannot be removed have proven documents to support all activity.

Who Can Benefit From Using Credit Firm?

This service is ideal for someone who has many items on their credit report that needs to be removed. Unlike other companies, Credit Firm does not limit how many items you can dispute per month. Keep in mind that it may take several months to see the changes you desire. But for less than $50 per month, Credit Firm is a good option for those in need of removing many items from their credit report for a minimal price.

If you only have a few items that need to be removed from your report, then you may want to look into a service that charges per item. This can help you save money and possibly months of time. You may even want to dispute these charges yourself before hiring a professional service.

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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