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You are worthy of having excellent credit.
Join thousands of people just like you,on a path to improving their credit.
Credit Firm can help you improve your credit faster than ever.

The Trusted Experts in Credit Repair

Credit Firm – Credit Repair Agency

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.

Your Goal

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.

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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.

Our Priority

At CreditFirm.net our number one 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.

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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.
Sign UpLearn MoreCall now For a FREE Consultation
1-800-750-1416

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.

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The Benefits of Good Credit

–       Low interest rate mortgage
–       Apartment with no security deposit
–       Low interest rate credit card
–       Low interest rate Auto Loan with NO DOWN payment
–       Have extra money left over at the end of the month
–       Low Car Insurance rates
–       Qualify for a low interest Personal Loan
–       Qualify for an SBA Loan to start a business
–       More employment opportunities
–       Confidence

Repair Credit Fast

Credit Firm’s professional credit repair service has helped thousands of clients improve their credit history and raise their credit scores by deleting derogatory accounts from their credit reports and optimizing their credit files.  With over 15 years of experience and thousands of satisfied clients, Credit Firm is the solution for bad credit.  Start our credit repair program today and see the difference good credit makes.

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1-800-750-1416

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Why Your Credit Limit Increase Was Denied

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why your credit limit increase was denied

9 Reasons Your Credit Limit Increase Request Was Denied

Ever wonder why your credit card company wont raise your credit limit? Here are some common reasons of why your credit limit increase request was denied, and what to do to increase the credit limit on your credit cards.

1. The account was recently past due

What it Means
You recently either missed a payment or made a late payment on your account. Generally, credit card companies don’t approve credit line increase requests on accounts that have a late payment within the last six to nine months.

What to Do
You may want to enroll in AutoPay or use customized alerts to help stay on top of your accounts. Pay your credit card bill on time and your chances of getting a limit increase gets much better.

2. The average balance on this account has been too low

What it Means
When a credit card company reviews requests for credit line increases, one of the things they look at is the payment history of your account. If you regularly use your card and make payments on time, it builds your account’s payment history. If you don’t use your card, theres little to no payment history to review.

What to Do
Use your card more, just make sure that you use your card responsibly. Be sure to pay on time and try to make more than just the minimum payments and keep your balance at a 20% utilization rate.

3. The account has not been open for at least 6 months

What it Means
The credit card company needs time to establish how the account has been used and its payment history. Once they have this information, it’s used as a guideline to help determine if the account qualifies for more credit.

What to Do
Feel free to request a credit line increase after your account has been open for at least six months.

4. The credit bureaus have reported a recent delinquency

What it Means
Your credit report shows you’ve recently paid one or more of your creditors late. Generally, credit card companies don’t approve requests for credit line increases on accounts that have had late payments withinin the last six to nine months.

What to Do
Make sure you are paying all of your creditors on time. If you have questions about what’s on your credit bureau report, contact the three bureaus: Equifax, Experian, and Transunion to resolve the issues or hire a company to do so on your behalf.

5. Your average monthly payment has been too low

What it Means
If you received this reason, it generally means you’re carrying a balance and not making large enough monthly payments to qualify for a credit line increase upon request. Both the payment history and the amount of your payments help us to determine if your account qualifies for a credit line increase.

What to Do
Manage your account responsibly. Be sure to make payments on time. In general, customers that make larger payments are more likely to be eligible for a credit line increase.

6. You recently exceeded the credit limit on your account

What it Means
You recently went over the credit limit on one of your credit card. Generally, credit card companies don’t approve credit line increase requests when one of a customer’s accounts has recently been over the limit.

What to Do
Check over your account information often to be sure that you’re not over your credit limit. Using the credit card companies’ customized alerts to tell you when your getting close to the credit limit makes a lot of sense.

7. Your outstanding debt is too high compared to your income

What it Means
When credit card companies review requests for credit line increases, they look at income and expenses. Your housing expenses and outstanding overall debt, as reported by the credit bureaus, might be too high for your income. Generally, credit card companies don’t approve credit line increase requests for customers that have high balances on revolving accounts.

What to Do
Pay down your credit card balances on all of your credit cards at or below 20% of your credit limits and if your employment status or income changes, be sure to contact your credit card company to update your information.

8. There are too many recent inquiries on your credit report

What it Means
According to the information reported by the credit bureaus, there have been numerous requests for new credit over the last 12 months.

What to Do
Keep in mind that when you make numerous applications for credit, it can lower your credit scores and affect how creditors evaluate credit line increase requests for your account. Be selective about how often you apply for credit. And if you don’t recognize any inquiries reporting to your credit reports, contact the three bureaus: Equifax, Experian, and Transunion to resolve the issues or hire a company to do so on your behalf.

9. Your current credit score is too low

What it Means
Based on the information reporting in your credit reports, your current credit score is too low to qualify for a credit line increase.

What to Do
– Pay your bills on time
– Keep your utilization rate at or below 20%
– Don’t close old accounts
– Establish a good mix of credit
– Limit your inquiries
– Get proactive and leverage consumer protection laws like the FCRA to remove derogatory information from your credit report or hire a credit repair agency like CreditFirm.Net to do so on your behalf.

 

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 3-5 days.

Support. Award winning customer service guarantees your satisfaction.

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