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CreditFirm.net at a Glance
| Our Rating | 3.6 / 5 |
|---|---|
| Best For | People who want hands-off dispute handling |
| Monthly Cost | About $49.99, pay as you go (verify current) |
| Services | Report audit, bureau and furnisher disputes, goodwill requests |
| Support | Personal credit consultant and online client portal |
What Is CreditFirm.net?
CreditFirm.net is a credit repair company that says it has operated since 1997 and was founded by attorneys focused on consumer credit and FCRA issues. It reviews your credit reports, disputes questionable items with the credit bureaus and the companies that report them, and sends goodwill requests for isolated late payments.
It describes itself as a registered Credit Services Organization that follows the Credit Repair Organizations Act (CROA). No company can legally remove accurate, current negative information, so results depend on what is actually wrong with your reports.
Pros & Cons
Pros
- Pay-as-you-go monthly plan that it says you can cancel at any time
- Personal credit consultant and online client portal
- Disputes with all three bureaus and with furnishers
- Registered Credit Services Organization that says it follows the CROA
Cons
- Cannot remove accurate, current negative items
- No guaranteed results or score increases
- You can file the same disputes yourself for free
How CreditFirm.net Works
Report audit
Each account on your reports is reviewed to plan next steps.
Disputes
Questionable items are disputed with Experian, Equifax and TransUnion and with furnishers.
Follow-up
Bureau investigations are checked for compliance, and a personal consultant tracks progress.
Safety & What to Know
Credit repair companies cannot guarantee deletions or score increases, and you have the right to dispute errors yourself for free.
Under the CROA a company cannot charge before it performs services. Read the contract and cancellation terms before you sign.
CreditFirm.net Pricing
| Monthly fee | About $49.99, pay as you go |
|---|---|
| Disputes | Advertised as unlimited accounts per month |
Pricing is set by CreditFirm.net and can change. Confirm current fees and any setup charges before enrolling.
Who CreditFirm.net Is For
A good fit if you
- You have several inaccurate or unverifiable items
- You would rather pay for the work than do it yourself
Look elsewhere if you
- Your negative items are accurate and recent
- You are comfortable filing disputes on your own
How CreditFirm.net Compares
ScoreShuttle is a lower-cost self-service dispute tool, while Kovo builds positive history instead. See the Best Credit Building and Repair Services.
Frequently Asked Questions
Our Verdict
★ 3.6 out of 5
CreditFirm.net is a straightforward pay-as-you-go option if you want someone else to handle disputes. It cannot promise results, so weigh the monthly cost against doing the same disputes yourself.
See the full Best Credit Building and Repair Services ranking →
Reviewed by
Sarah MitchellSenior Finance Editor
Sarah Mitchell is a certified financial planner with 12 years of experience covering personal finance, credit cards, and investment products. She has been quoted in The Wall Street Journal, Forbes, and Bloomberg. Sarah holds a CFP designation and an MBA from Wharton. She tests every financial product she reviews and consults with independent financial advisors to ensure accuracy.