Credit Firm, one of the leading credit repair companies in the nation, invites you to improve your life by fixing your credit report and increasing your credit score. We combine superior results, unparalleled customer service, and affordable monthly payments to deliver the best credit repair experience for you.
At Credit Firm we take your goals very seriously. In fact it is the first question we ask. What is your goal? Whether you want to buy a house, a car, refinance your current mortgage, or simply improve your credit score. We can help you achieve your goal. Call 1-800-750-1416 now and one of our experienced credit consultants will create a FREE step by step credit repair Action Plan on how to improve your credit report and increase your credit score.
Free Credit Consultation
Our certified credit consultants provide you with a FREE credit consultation. The credit consultation includes a review of your credit report and a step by step ACTION PLAN indicating the necessary steps to improve your credit in order to achieve your goal.
At CreditFirm.net our only priority is your credit score.
When it comes to credit repair, we know what works, so we focus all of our actions to delivering you results in a timely manner.
Our Promise to You
We promise to give you an exceptional customer experience and an honest value each month you are enrolled in our credit repair program.
If you are ready to get started, we are ready for you!
A Different Type of Credit Repair
Unlike other credit repair companies, CreditFirm.net’s service includes a legal audit of your credit reports by a licensed attorney, who also carefully reviews every document we mail out to your creditors. This personal legal touch, along with hundreds of automated legal cross-checks by our FCRA compliance validation database, gives us the leverage to fix your credit legally and permanently.
15 years of Credit Repair Experience
CreditFirm.net, a private credit consulting firm, was founded in 1997 by a group of attorneys with one goal in mind. To help defend consumers rights against the credit reporting agencies, creditors, and the CDIA.
We believe that every consumer deserves the right to have good credit. That is why we would be honored to represent you throughout the credit repair process.
Will you be our next success story?
Why hire a Credit Repair Company?
Bad credit affects every aspect of your life. Everything from whether you can get a job, get approved for a credit card, qualify for an auto loan, mortgage, or even get insurance; it is all impacted by your credit score. Do it Yourself credit repair (DIY credit repair) is very often a time consuming, arduous, and stressful process. Hiring a professional service to fix your credit by doing all of the work for you saves you time and money. It also elevates all of the stress associated with credit repair and speeds up the process for you, so that you can have good credit ASAP.
Credit Firm can help you repair your bad credit
|Discover what thousands of others before you have. That there is a solution for bad credit.In life, time is the prime commodity, don’t waste another second living with bad credit. Get started today and take the first step to achieving your goals.Need more info? Find out why thousands of people choose our Credit Repair Service.|
What Does Your Credit Score Say About You?
Your credit score impacts every aspect of your life. Your credit score determines whether you qualify for a mortgage, auto loan, student loan, credit cards, personal or business loans, and the interest rates you pay. Your credit report is also a big determining factor for potential employers and even insurance premiums. In fact, your credit score has become one of the single most important determining factors of your quality of life. Increasing your credit score not only saves you money on interest rates, but it also increases your quality of life.
What’s On Your Credit Report?
According to Business Wire, 50% of US consumers with credit files (110 million people) have had their credit history negatively impacted by the recent economic hardship resulting in derogatory accounts on their credit reports and low credit scores. And according to study by the Public Interest Research Group’s (PIRG) over 79% of credit reports contain incorrect, erroneous, and misleading information. Coupled with the credit bureaus’ indifference to reporting correct information, Bad Credit is becoming more common than ever.
How is Bad Credit impacting You?
Bad credit closes many doors and limits many consumers to obtaining financing through Sub-Prime means resulting in excessively high interest rates and towering monthly payments.
The Benefits of Good Credit
- Low interest rate mortgage
Repair Credit Fast
Getting Your Credit Ready To Buy A Home
by: Michael Creditfirm.
With interest rates and home prices so low, and rental prices so high, you may finally be considering buying a home.
And although purchasing a house is one of the best investments you can ever make, getting a mortgage in today’s economy is becoming more and more difficult.
So how do you get your credit ready to buy a home?
Here are 4 tips to help you improve your chances of getting a mortgage within the next 12 months.
1. Pay your bills on time.
Payment history makes up 35% of your credit score, and although you may have had past issues with paying your bills on time, stringing together a full year of on-time payments will show lenders and creditors that you have made a commitment to get your finances in order. The greatest benefit of paying your bills on time will of course be to your credit score.
2. Limit your inquiries.
Inquiries account for approximately 10% of your credit score and having too many of them will lower your credit and make it a lot more difficult to obtain a mortgage. So make a commitment to stop applying for credit for a period of 12 months. This means no new cell phones, credit cards, or any other loans where your credit will need to be checked.
This may not be the easiest thing to do, but consider that after just 12 months, you will be in a prime position to get the home of your dreams.
So practice some self control and don’t incur any new inquiries.
3. Pay Down your Debt.
If you have debt, whether it is credit card, auto loan, or personal loan, you need to reduce it.
Approximately 30% of your credit score is calculated by how well you manage your debt and ideally, your credit utilization rate (the ratio of your debt balance to your overall credit limits) should be at or under 20%. (Example: If you have a credit card with a $1,000 limit – your balance should never exceed $200.)
Also, under new lending regulations, consumers who attempt to get a mortgage will need to have a debt-to-income ratio of 43% or less. This ratio will include the potential new mortgage payment.
This means that at the max, 43% our monthly income will have to cover all of your debt payments, as well as your mortgage payment. And the only way to lower your debt-to-income ratio is to either increase your income or decrease your debt. Considering the mortgage lender will be looking at your average income over the last 2 years, paying down your debt may be the only realistic way of lowering your debt-to-income ratio.
4. Fix your Credit.
If you have derogatory accounts in your credit reports that are lowering your credit scores, they will need to be addressed. Fixing your credit is quite possibly the most financially rewarding investment that you can ever make. But make sure that you do your research before doing it yourself or hiring a credit repair company to help you. Here is an article which will help you get started to fixing your credit.
Follow this short guide to get your credit ready to get a mortgage, and you’ll be a homeowner in just 12 short months.
Why Choose CreditFirm.net?
Assurance. Our Credit Repair process was developed by experienced attorneys.
Speed. Documents are typically processed and sent out for investigation within 5 days.
Support. Award winning customer service guarantees your satisfaction.
Read More →
Read More Posts From This Category