Credit Firm review 2024: An affordable credit repair company with decent customer reviews, but limited services

Credit Firm is a credit repair company with a track record of helping consumers address credit-related challenges for over 25 years. The company offers an affordable monthly fee ($49.99) compared to many competitors. Yet unlike some other credit repair companies, Credit Firm doesn’t offer a money-back guarantee. 

Overall, Credit Firm has decent consumer reviews. The credit repair company has an A+ rating with the Better Business Bureau and 4 out of 5 stars from TrustPilot. 

The details below provide more information about what you need to know about Credit Firm and its services. All rates and fees are current as of April 12, 2024 and are subject to change. 

Credit Firm

Number of available options: Two plans — individual and couple
Cost: $49.99 per month (individual) or $89.99 per month (couple)
Ratings: BBB A+ |
TrustPilot: 4 out of 5 Stars
Time: Initial results within 30-45 days. At least 90 days for more meaningful changes.

Types of services Credit Firm provides to help improve credit

Credit Firm provides clients with several services in an effort to address credit challenges.

  • Credit audit: Members receive a review of their credit reports to map out a customized plan to reach their credit-related goals. 
  • Unlimited credit bureau disputes: The company will dispute an average of 5-7 accounts (per credit bureau each month) which you identify as inaccurate. If you request additional credit bureau challenges, Credit Firm offers unlimited disputes.
  • Unlimited inquiry disputes: If you have inquiries on your credit report you don’t recognize, Credit Firm will dispute them on your behalf.
  • Unlimited personal information disputes: Incorrect personal information can be problematic as well where credit reports are concerned. Credit Firm will dispute any invalid names or addresses that appear on your credit reports. 
  • Unlimited debt validation requests: A debt validation request is a letter to a creditor asking original documentation proving you’re liable for a debt. Credit Firm may send these requests to creditors on behalf of clients on an as-needed basis.

How Credit Firm fees work 

The fees at Credit Firm are affordable compared to other competitors in the credit repair space. Members pay for service on a monthly basis and may cancel any time. 

  • Individuals: $49.99 per month
  • Couples: $89.99 per month

Discounts are also available for members of the military, teachers, first responders, and seniors. Eligible members of the groups above may join Credit Firm for $39.99 per month. 

Credit Firm does not offer a money-back guarantee.  

How does working with Credit Firm impact your credit score? 

Credit Firm recommends remaining a member of the program for at least 90 days before a client may expect to see a change in their credit score. However, the company also cautions that it cannot guarantee results. 

Credit Firm ratings and reputation

Although not all of the company’s reviews are glowing, overall more customer reviews of Credit Firm tend to be positive than negative. The company has an A+ rating with the Better Business Bureau with a combination of complaints and some five-star reviews.

TrustPilot gives Credit Firm 4 out of 5 stars based on 45 reviews. Twenty-seven percent of the reviews the company received were one- and two-star reviews. However, most reviewers assigned the credit repair company a five-star rating. 

Are there risks with credit repair through Credit Firm?

Hiring any credit repair company, Credit Firm included, comes with risks. There’s no guarantee the disputes that Credit Firm sends to the credit bureaus will be effective. So, you could spend money and be disappointed with the results. And Credit Firm doesn’t offer a money-back guarantee. 

Other services Credit Firm offers

In addition to standard credit repair services, the following features are also available. 

  • Escalated Information Requests: Requests for documentation from creditors that proves they’re following consumer protection laws. These requests may also include contacting any of the following agencies on your behalf: CFPB, FTC, etc.
  • Procedural Compliance Verification: Confirmation that the credit bureaus didn’t skip steps during the dispute investigation process. 

Is Credit Firm right for you? 

If you have errors on your credit report or you’re a victim of identity theft, Credit Firm could help you dispute incorrect items on your credit reports. Keep in mind you also have the right to dispute inaccurate credit information on your own, free of charge. If your budget is tight or you’re struggling with debt, this may be the better choice. 

But if you prefer to hire someone else to handle the dispute process on your behalf, Credit Firm is an affordable solution compared with some other credit repair options. Just make sure you’re comfortable with the lack of guarantee and understand that no matter who manages the credit repair process for you, there are no promises.

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