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.
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 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 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
Credit Report Special Messages
Consumer access to credit reports has made knowing what is being reported about you a lot easier than it used to be but, one thing your credit reports won’t show you are the special messages your lender gets on their credit reports.
Usually located below the reports themselves are messages that your lender will see on their credit reports giving them additional information about you and warning them of any possible suspicious activity.
These messages include information which can stop you from getting approved for a loan.
Since you do not have access to lender reports and the credit reports you have access to omit this information, let’s go over these 5 messages to see if there is anything that you may need to address before applying for a loan.
1. ID Mismatch Alert
This message appears when the inputted address, social security number or last name does not match the information on file with the credit reporting agencies.
What does this mean?
To a lender, this means that you may have recently moved, got married, or are at risk for Identity Theft. At this point, the lender may request more documentation as proof of your residency in the form of utility bills, 2 most recent paycheck stubs, most recent bank statement, and rental or mortgage agreement. As well as proof of your identity in the form of your social security card, ID, or birth certificate.
What to do?
Make sure that the name, address, and social security number that you have given the lender are 100% correct and that the information is reporting in your credit reports. If you have recently moved or changed your name, update the information with your lenders and credit bureaus and give them enough time (30-60 days) to update the information in your credit file.
2. High-Risk Fraud Alert
This message appears if the inputted address, social security number or phone number that you have provided your lender have been recently used in suspected fraudulent activity.
What does this mean?
This means that either your home address is being reported as a commercial or business address, that your social security number belongs to someone who is deceased or that your social was never actually issued by the Social Security Administration.
What to do?
Make sure that your home address is not linked to a business. If you’re operating a business get a PO Box or UPS Store box and get a proper business address. Make sure that your social security number is legitimate and correct. If there is an issue with the social security number contact the Social Security Administration to resolve the issue.
3. SSN Year of Issuance
This message reports the state where your social security number was issued as well as either the year or the range of years when the social security number was issued as well as your age when the social security number was issued.
4. OFAC Name Screen
This message reports the result of your information being cross-checked against the U.S. Treasury Department’s OFAC (Office of Foreign Assets Control) database.
What does this mean?
In most cases the result will return no matches but, if the system designates you as a person who is on the OFAC list, you will be turned down for your loan. Point blank. The OFAC database contains persons who are drug traffickers, money launderers, terrorists, and other SDNs (Specially Designated Individuals) who not allowed to do business within the United States or who have economic sanctions against them.
What to do?
If you find an OFAC alert pop up on your credit report due to a case of mistaken identity, contact the credit reporting agencies. In most cases, the OFAC search only checks names, not other identifying information such as date of birth, social security number, etc… so contacting the U.S. Treasury Department won’t be much help. Contact the credit bureaus and request that the alert is removed from your credit file. If the credit reporting agency refuses to do so, contact an attorney with experience in resolving FCRA (Fair Credit Reporting Act) cases.
5. Fraud Alert
This alert, usually consumer initiated, means that your credit may be at risk for identity theft and additional steps will need to be taken by the lender to verify your identity. These steps usually include calling a phone number which you included when filing your Fraud Alert. Once the lender contacts you and confirms that you are the actual person initiating the application, the loan can proceed.
6. Hawk Alert
This alert is generated if the credit reporting agencies suspect potential fraudulent activity.
What does this mean?
The alert is typically generated when the residential address or telephone number which you input on your application for a loan is also listed as a business address or business phone number. The alert is also generated if the social security number that you are using on your application was issued less than 24 months ago or shows that the owner of the social security number is deceased.
What to do?
Make sure that your home address and phone number are not linked to a business. If you’re operating a business get a PO Box or UPS Store box to get a proper business address and get a separate phone number for your business. If your social security number was issued less than 24 months ago you’ll just have to wait it out and put up with a little bit of hassle from lenders requesting additional documentation to verify your identity. If your social lists you as deceased, contact the credit reporting agencies to straighten things out and prove that you’re still alive and kicking. You may have to get a letter from the social security administration stating that the social belongs to you and has never been issues for anyone else.
The most important point that we want to make is that most of these alerts are there for your safety and protection. They may cause you a headache every now and then but, if you take action, you can get these issues resolved before they cause you too much pain.
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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