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 REPAIR – MORE THAN DISPUTING
Credit repair is the process of improving your credit scores by removing derogatory information from your credit history and optimizing several key factors which are used to calculate your credit scores in order to increase your overall credit rating.
Credit repair is not simply the process of disputing all derogatory accounts in your credit reports.
In fact, in some cases, disputing some accounts may actually lower your credit scores.
According to FICO, accounts active within the last 6 months impact your credit scores much more than accounts with their last activity from years past. In order of most impact to your credit scores to least impact on your credit scores, it goes, accounts active within the last 6 months, accounts active within the last 2 years, and accounts active within the last 10 years.
For example, if you dispute an old collection account which has not reported any activity in over 4 years, unless deleted from your credit report, the collection account will update the information in their trade-line and report a new “Date Last Reported” to your credit report. This account will now have a reporting date with very recent activity which may actually lower your credit scores.
Instead of disputing the collection account, it’s a far better idea to contact the collection agency directly and ask them to Validate the Debt which they are reporting in your credit reports, pursuant to the FDCPA (Fair Debt Collection Practices Act). If the collection agency fails to validate the debt, they will remove the account from all 3 of your credit reports. But, if they do happen to validate the debt, you won’t have to worry about them updating their activity in your credit report with the credit bureaus and lowering your credit scores.
The same thing applies if you are paying off an old account with no recent activity because once paid, the agency will have to contact the credit bureaus to update the balance and status of the account changing the date last reported. And instead of you having an old unpaid collection from 4 years ago, you will now have a paid collection reporting new activity as of this month.
If you’re going to pay off or dispute any accounts in your credit report, make sure that you focus on the accounts reporting recent activity and if you have old accounts reporting activity from years ago, try something like debt validation first before initiating any disputes or doing any settlements.
Ultimately, the goal of credit repair is not just the removal of all of your derogatory accounts, the goal is to increase your credit scores as high as possible.
Use every tool given to you by the FCRA, FDCPA, and FCBA laws to work on removing derogatory information from your credit reports and improving your credit scores, not just disputes.
And if you need assistance, CreditFirm.net is here to help.
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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