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Frequently Asked Questions

frequently asked questions

Credit Repair

» › Why should I repair my credit?

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, is all impacted by your credit score.  Hiring a professional to fix your credit by doing all of the work for you saves you time and money.  Put CreditFirm.net to work for you today, Sign Up Now for only $39.95.

» › What States Do You Service?

CreditFirm.net can help clients within all 50 states.

» › Is Credit Repair Legal?

Yes, credit repair is legal as long as the company performing the credit repair service is a state registered credit services organization and follows the Credit Repair Organization Act (CROA), as mandated by the Federal Trade Commission (FTC).

» › How Much Does Credit Repair Cost?

Our fees are only charged for services already performed. There is a (one-time) First Work Fee of $39.95 charged 5 days after enrolling in our Credit Repair Program.  The First Work fee is charged after your account is set up and all the work to get your first round of disputes is completed.

The Monthly Service Fee of $39.95 is charged 30 days after the First Work Fee is charged. (After all of the work for the previous month has been completed)

» › Can I prepay for my credit repair services Up Front?

No. Paying for credit repair services up front, before the service has been rendered, is illegal per the Credit Repair Organizations Act (CROA).  Credit Repair companies accepting payment before performing services are violating the law.

» › Are there any additional fees?

No, CreditFirm.net does not charge any fees other than our First Work Fee and subsequent monthly fees. But, please keep in mind that we do require a credit report to get started.

» › Do you provide a guarantee?

According to the Federal Trade Commission and the Credit Repair Organization Act, it is ILLEGAL for any credit services organization (credit repair company) to guarantee any results.  In compliance with the law, CreditFirm.net does not guarantee results.

» › How do I get started?

You can sign up online right now for only $39.95 a month. It’s simple and takes less than a minute. After signing up, you will receive a welcome email from your personal credit repair consultant outlining the next step in the process.

» › How long does credit repair take?

Every clients situation is unique, that is why we create a custom Action Plan for every client. Typically, our clients reach their credit goals within 3 – 12 months of enrolling in our credit repair program.

» › When should I start to see results?

Your should see you first results within 35 days of enrolling in our credit repair program, although some see results within the first 14 days.

» › How long does the program last?

The program lasts as long as you decide you want us to keep working on your credit.  Some clients are satisfied when they reach a credit score of 640 and cancel our services as soon as they can qualify for a mortgage.  Others stay longer because they want to keep improving their credit and have higher goals in mind (750+).

» › Can I repair my own credit?

Yes. You have the right to repair your own credit report, you may contact the credit bureaus and credit grantors yourself. Given time, research and study, you can do much of what CreditFirm.net does.

Many people, however, choose to hire a professional credit repair company like CreditFirm.net to fix their credit because of the experience, knowledge and know-how we bring to the table. We have helped thousands of clients improve their credit reports; will you be our next success story? Sign Up to start now.

» › How do I get my credit report?

After signing up, CreditFirm.net will require a credit report. Upon enrolling, we will email you a list of websites where you can obtain your report for a fee. You may also obtain your yearly FREE credit report at www.annualcreditreport.com.

» › Can you get my credit report for me?

No. According to section 604 of the Fair Credit Reporting Act (FCRA), credit repair companies cannot order credit reports for their clients.

» › Why do the credit bureaus ask for my IDs?

The Credit Bureaus request identification documents when the personal information on your credit file does not match the currently provided information (i.e. current name, address, etc…) If there are any miss-spellings of your name, address variations, incorrect date of birth, social security number variations, the credit bureau may ask for additional documents proving your identity and current residence for security purposes.

» › Can you help me build new credit?

Your personal credit consultant may advise you on where and when to apply for credit in order to improve your credit score.

» › Do you provide debt settlement services?

No, your personal credit consultant may advise you on how to negotiate with creditors and collection agencies to get the best settlement deals. But, we are not a debt settlement company and will not contact your creditors to negotiate debt.

» › How do I receive updates?

You will receive updates to your credit report directly from the credit bureaus (Experian, Equifax, and TransUnion) via mail.  The letters will come in plain white envelopes, please open every piece of mail you receive because these letters look like junk mail.  Apart from containing an update, the letters from the credit bureaus may contain time sensitive material and may require a follow up from us, this is why we ask that you forward all correspondence from the credit bureaus to us.  Once we go over the letters, we will contact all appropriate agencies and email you a full update.

» › Can a deleted account re-appear?

No, once an account is deleted from your credit report it is removed forever.  Keep in mind, that if the debt is re-sold to another agency, the second agency may report it under a different account name, account number, date opened, date of last activity, and balance.

» › Can I cancel my credit repair service?

Yes, you may cancel your credit repair services with CreditFirm.net at anytime without any penalty or any further obligation.