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
FREE Credit Score – Exposed
Remember those catchy TV commercials advertising free credit scores? Haven’t seen them in a while have you? Well, that’s because they were deceptive and the credit scores were completely useless and not actually free.
Most lenders, whether they are auto, home, credit card, etc… use FICO scores to determine consumer creditworthiness but, those scores belong to the Fair Isaac Company and the credit bureaus have to buy them from FICO in order to sell them back to the consumers. This wasn’t very profitable so the credit bureaus found a way around this by creating their own credit scores. The Vantage Score was born, a score the credit bureaus could provide to consumers without having to pay anything to FICO. Unfortunately, because no lenders use Vantage Scores, consumers are tricked into buying scores which are completely useless. But, it doesn’t end there, once a consumer gets their useless score they are automatically enrolled in credit monitoring ranging from $16 to $30 per month.
What You Need To Know
Although there are plenty of places that advertise free credit scores like CreditKarma.com, Credit.com, CreditSesame, Quizzle.com, etc… most of these scores are VantageScores and are NOT used by lenders. There are credit card companies like Discover, Barclays Bank, and Capital One which offer a free FICO scores, you can also purchase your FICO scores directly from the Fair Isaac Company via their website www.myfico.com.
Back To The Credit Bureaus
The CFPB (Consumer Financial Protection Bureau) found that 2 credit bureaus deceptively advertised that the scores which they provided were the same ones that lenders used to determine creditworthiness. TransUnion and Equifax were ordered to pay a $5.5 million fine and give $17.6 million in refunds. In a statement from Richard Cordray, director of the CFPB, “Credit scores are central to a consumer’s financial life, and people deserve honest and accurate information about them.”
Neither TransUnion nor Equifax admitted any wrongdoing and stated that they had complied with the law and were committed to better educating consumers about their credit.
All credit scores are NOT created equal, understand that the type of credit score you’re looking at is just as important as the score itself.Read More →
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