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
Why is Good Credit Important?
We all know that we should strive to have a good credit score, but, why?
Why is having good credit important?
Here is a list of 6 things you will need to have good credit for.
1. Renting an Apartment
Your credit will determine whether you will be approved to rent an apartment as well as the security deposit which will be levied on you. Consumers with low credit scores are often times hit with high security deposits which can equal up to 2 months of rental payments while those with high credit scores may not be required to put down a deposit at all.
2. Setting Up Utilities
Got your new apartment or home? Great, now it’s time to set up your utilities. Electricity, Gas, Water, Cable, Phone, Internet providers will all check your credit in order to determine whether you qualify for service and if you do, the amount of security deposit you will need to put up to establish service. Just like renting an apartment, consumers with low credit scores are often times hit with high security deposits which can range between $250 to $500 per service, equaling thousands of dollars of deposits, while those with high credit scores are not required to put down any deposit at all.
3. Buying a Car
Your credit score will determine the amount of loan which you qualify for, the interest rate, length of term, down payment, and monthly payment amount. Consumers with low credit scores may not even qualify for a loan but, if they did manage to squeak by, the fees would be astronomical.
Lenders would likely ask a consumer with bad credit for;
– Large down payment
– High interest rate
– Short length of term (typically no longer than 36-48 months)
– Small loan amount
But, if you have good credit, lenders will typically offer;
– No down payment
– 0% interest rate
– Long length of term (72-84 months)
– Large loan amount
In the end, the person with good credit can pay less for a more expensive car without having to put a penny of his money down.
4. Getting Insurance
Now that you have a car, you will need to get insurance for it. You may not have known this your credit score actually determines your insurance premium, the amount you pay for insurance. According to certain experts in the insurance industry, a credit score can be an even better predictor of getting into an accident and costing the insurance company money, than your driving record. Consumers with bad credit will have higher insurance premiums than those with good credit.
5. Getting A Job
You got an apartment, a car, utilities, insurance, now it’s time to get a job to pay for all of those things right? But, what does your credit have to do with you getting a job or a promotion? Sometimes, Everything! More and more employers are checking candidates credit reports in order to determine their hire-ability. Job seekers with bad credit are seen as risky because they are looked at as irresponsible, disorganized, and in some cases may be more likely to steal. While those candidates with good credit are looked at as responsible members of society which are organized enough to maintain good credit and likely be the same way at work.
The military also has certain set standards for credit as well. Those with bad credit will never be given top secret security clearance. According to the Department of Defense, “Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness and ability to protect classified information. An individual who is financially overextended is at risk of having to engage in illegal acts to generate funds.”
That pretty much speaks for itself.
We should all have a rainy-day/emergency fund but, most don’t. So what happens when emergencies hit and you don’t have the cash? Consumers with good credit have a wide variety of financing options, 0% credit cards, low interest rate personal loans, seems like theres always someone willing to lend you a helping hand when you have good credit. But, those with bad credit get caught up in high interest/fee credit cards and pay-day loan places which put them in a never ending spiral of high fees and constant indebtedness.
I don’t know about you but, it seems like only rich people can afford to have bad credit. Consistently over-paying for services and leaving large deposits which they will likely never see again.
Can you afford to continue living with bad credit?
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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