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
Another New Credit Score Is Coming
If you use CreditKarma.com you might be familiar with the fact that the scores they report are sometimes 5 points off your actual FICO score and sometimes 50 points off. Well, get ready for more fun as the most popular credit score for consumers and least used credit score for lenders gets an overhaul.
VantageScore, a collaborative project from Experian, Equifax, and TransUnion gets it’s 4th upgrade and it will undoubtedly cause a lot of confusion.The VantageScore was created back in 2006 when the credit bureaus noticed a trend of consumers interest in their own scores. Instead of selling consumers scores which they had to buy from other companies – the credit bureaus now had their own scores they could profit off.
So what’s the big change you ask?
Well, this new iteration of the VantageScore will score how much of your debt you actually pay off every month. In short, consumers who pay their credit card debt off in full every month will see their scores increase while those that transfer the debt from month to month will see a decrease in their scores.
According to TransUnion, consumers who do not pay off their cards in full each month are 3 to 5 times riskier than people who pay in full each month. And VantageScore v4.0 will be the first score tracking and scoring this data.
What does this mean to you?
Pay your credit cards off every month to get the most out of your VantageScore and make sure that your credit card balances are under a 20% utilization when the creditor reports your information to the credit bureaus.
What else is new?
VantageScore v4.0 will completely ignore medical collections which are older that 6 months and have been paid by insurance. Unpaid medical collections will see a significant decrease in their impact to your score.
VantageScore v4.0 is set to be released Fall of 2017 so, you may notice some changes in your scores on CreditKarma.com, CreditSesame.com, Quizzle.com, etc… but, don’t forget one very important thing. At this point, those scores are completely useless because very few lenders actually use the VantageScore scoring model for their lending decisions.
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