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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 Law Firm

Credit Firm, one of the oldest and most trusted credit repair companies in the nation, invites you to improve your life by fixing your credit report and increasing your credit scores.  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 law 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 repair service

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.
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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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How your FICO Credit Scores are Calculated

Credit Score FICO

There are three major credit reporting agencies in the U.S. – Experian, Equifax, and TransUnion. These credit reporting agencies, sometimes referred to as credit bureaus, maintain records of your credit data as well as other personal information such as your name, aliases, addresses (both current and previous), phone numbers, employers, date of birth, social security number, etc…. This collective data gathered on you is referred to as your credit report. Each credit bureau maintains their own credit report which means that you have a separate credit report with Experian, Equifax, and TransUnion.

When you apply for a loan, open a new account, make a payment, miss a payment, etc…, that information is reported from your credit lender to the credit reporting agencies. Due to the fact that credit reporting is 100% voluntary, some lenders may only end up reporting the data to one or two of the three bureaus or reporting the data at different times/dates which may cause you to have differing information on your credit reports and in-turn cause variations in your credit scores.

Here’s more detail on why your credit scores differ.

Now, let’s take a look at the basic information reporting in your credit reports.

A. Personal Information
Credit reports display the personal information such as your name, aliases, address (both current and previous), social security number, date of birth, employer (both current and previous), phone numbers, etc…. It is important to note that personal information does not impact your FICO scores.

B. Account Information
Credit reports display your credit accounts (both active and closed). Each account is reported as a trade-line which contains approximately 40 data points of information such as the date the account was opened, date closed, balance, credit limit/high credit, status, payment history, ECOA code, comments/remarks, address identification code, etc…

C. Inquiry Information
Credit reports also display requests for your credit file from the past 2 years, also known as inquiries. There are 2 different types of inquiries, hard inquiries which impact your credit scores and are applications for credit initiated to obtain credit Soft inquiries do not impact your credit scores, they are “account review” inquiries initiated either by yourself when checking your own credit or by creditors to may wish to send you a pre-approved offer of some sort. Soft inquiries DO NOT impact your FICO scores.

D. Derogatory Information
Your credit report also displays any past delinquencies reported by your creditors or third party data furnishers such as collection agencies. This information includes late payments, past due balances, collections, charge-offs, repossessions, as well as public record information such as judgments, tax liens, and bankruptcy.

How to read a credit report

This data is then plugged into one of the FICO scoring algorithms which then calculates a score to determine your creditworthiness.

NOTE: The FICO score’s original goal was to determine a consumer’s likelihood of becoming 90 days or more past due on a loan within the next 2 years. This is why the payment history and account activity from the last 2 years has the most impact on your credit score.

As the information and data in your credit report change so do your FICO credit scores.

FICO scores are calculated on request and considering that data on your credit reports is constantly changing, your FICO credit score will reflect those changes.

More Information
What are FICO Scores?
5 Components of your FICO credit scores
Why are your credit scores different
Why your FICO credit scores matter


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.

CreditFirm.net Review

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CreditFirm.net promises to perform the work outlined in the agreement and to charge a monthly fee for services already performed.