Credit Firm Review: Is This Budget Credit Repair Service Worth It?

Credit Firm is a credit repair company founded in 1997 by attorneys specializing in consumer credit law and Fair Credit Reporting Act violations. The company operates in all 50 states from its office in Deerfield, Illinois, and charges a flat monthly fee of $49.99 for individuals or $89.99 for couples, with no setup fees, tiered pricing, or long-term contracts. Services include bureau disputes, debt validation, creditor interventions, cease-and-desist letters, goodwill letters, and Section 609 requests.

Key Takeaways

• Credit Firm offers affordable, transparent pricing at a flat $49.99 a month for individuals or $89.99 for couples, with no setup fees, no tiered plans and the freedom to cancel anytime. That undercuts most competitors, which typically charge $50 to $150 monthly plus hidden fees.

• The company has nearly 30 years of experience and an A+ rating from the Better Business Bureau, though it isn't BBB-accredited. Most clients see initial results in 30 to 45 days and finish in six to eight months, with published averages of about 30 removals after a year.

• Choose Credit Firm if you're budget-conscious with modest credit issues and realistic expectations. If your case is complex or involves business credit, look at a premium service like Lexington Law — or dispute items yourself for free directly with Equifax, Experian and TransUnion.

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What Is Credit Firm? 

Founded by a team of attorneys specializing in consumer credit and FCRA violations in 1997, Credit Firm is approaching its 30th year of operation. Its services are available in all 50 states, but it maintains a physical office in Deerfield, Ill. Aside from its three-decade history, Credit Firm stands out for its low, transparent, flat monthly fee, which offers greater value than many comparable services. 

How Credit Firm Works 

Here’s how your experience with Credit Firm will play out, should you give the company a try.

1. Sign up online or call (800) 750-1416.

2. Receive a free consultation and credit evaluation.

3. Credit Firm’s legal staff conducts a five-day analysis and develops an action plan.

4. You’ll receive the first month’s charge after the five-day analysis period.

5. Credit Firm begins the repair process outlined in your action plan.

6. Ongoing check-ins with your case manager and 24/7 access to the Credit Firm portal continue throughout the process.

Services Offered 

Credit Firm offers an unlimited number of the following services, with no tiers or add-on pricing. Additionally, users can monitor their progress 24/7 through the platform’s regularly updated client dashboard, and each account is assigned a personal credit consultant who manages individual cases. 

• Bureau disputes and challenges

• Debt validation

• Method of validation requests

• Creditor interventions

• Escalated information requests

• Cease-and-desist letters

• Goodwill letters

• Debt validation

• Section 609 requests

• Legal in-depth credit audits

Pricing & Plans 

Entities such as Money, Experian and Broadview Federal Credit Union agree that most credit repair services charge $50 to $150 per month, but often tack on hundreds more in fees for things like set-up costs, consultations, credit report updates and challenge letters.

Additionally, cost tiers often lock lower-paying users out of access to premium features or lock clients into extended memberships. 

Credit Firm, however, charges a flat monthly fee of $49.99 — $89.99 for couples — with no hidden costs or sign-up fees. Users can cancel at any time, and Credit Firm defers your first payment by five days while it analyzes your credit reports, processes your file and creates an action plan.

Pros and Cons 

Consider the benefits and drawbacks of Credit Firm before you decide. 

Pros

• Cheaper than most comparable services

• Decades of history and experience

• No hidden fees

• Cancel at any time

Cons

• Not BBC-accredited

• No available add-ons for more complex cases

• Limited brand recognition

Does Credit Firm Actually Work? 

Credit Firm states that most users start seeing results in 30 to 45 days, but that significant improvement can take 90 days or more. Typical clients achieve their goals in six to eight months, with outliers wrapping up in as little as two months or as long as a year or more. 

Credit Firm’s published average results: 

• Three months: 9.7 removals

• Six months: 14.8 removals

• Nine months: 18.7 removals

• 12 months: 30.1 removals

If Credit Firm determines that it has done everything it can to improve a client’s standing, it will cancel the service itself. However, it’s important to understand the capabilities and limitations of any credit repair service and to enter with realistic expectations. 

Is Credit Firm Legit?

Credit Firm is a legitimate company with nearly 30 years of established history.

It has an A+ rating from the Better Business Bureau (BBB), but it is not BBB-accredited. Impressively, just one client filed a BBB complaint in the last three years. Credit Firm thoroughly addressed the complaint the same day, May 21, 2024, and provided evidence that it had, in fact, granted the complainant's request to cancel the account and refund the client’s money.

Additionally, Credit Firm is a registered, CROA-compliant Credit Services Organization.

User Reviews & Reputation

Credit Firm has a perfect five-star rating on Yelp, albeit after only four reviews. On sites like BBB and TrustPilot, reviewers are highly polarized, with the vast majority of users giving either perfect five-star ratings (64%) or one-star bashings (26%). 

Credit Firm addressed nearly every negative review in a timely and professional fashion, countering unsatisfied customers’ claims with documented evidence to refute many accusations. 

A large majority of detractors seemed to have unrealistic expectations regarding potential improvements and timelines for results, which Credit Firm did a good job of clarifying and offered to remedy by other means. 

Credit Firm Alternatives 

Credit Firm is just one provider in a crowded field of credit repair services. Here’s how it stacks up against its top industry competitors.  

Credit Firm vs Lexington Law

Lexington Law is a premium, legal-forward service that charges $139.99 per month — nearly triple the cost of Credit Firm — for comprehensive credit intervention backed by a full-service firm with paralegals, as opposed to Credit Firm, a budget solution for modest credit damage.

Credit Firm vs Sky Blue Credit

Sky Blue Credit has three price tiers: Basic ($79/month), Full Service ($99) and Premium ($119). It provides many of the same services, but several key features, including cease-and-desist and debt validation letters, are reserved for the priciest option, which costs more than double Credit Firm’s services.

Credit Firm vs The Credit Pros

The Credit Pros have three pricing tiers: Build Credit ($69/month), Repair Credit ($129) and Repair + Build ($149), but only the most expensive option provides all the services that Credit Firm offers for $49.99 — and “first work” fees range from $119 to $149. 

Credit Firm vs Credit Saint

Credit Saint boasts excellent reviews and promises a 90-day money-back guarantee, but it charges either $79.99, $109.99 or $139.99, plus start-up fees ranging from $99 to $195, with services comparable to Credit Firm only available in the top price tier. 

Credit Firm vs DIY

Federal law entitles consumers to dispute inaccuracies and advocate on their own behalf, but similar to serving as your own lawyer, there’s a steep learning curve, mistakes and omissions are common and the process is tedious and time-intensive. However — particularly for the simplest cases — it is by far the most cost-effective choice, usually costing exactly $0. 

Who Should Use Credit Firm?

Ideal users include budget-conscious consumers with a modest number of blemishes who understand that results can take a few months. Those with complex cases or business credit issues might be better served by a company that specializes in such complexity or offers graduated pricing tiers. 

How to Cancel Credit Firm 

To cancel at any time without further charge or obligation:

• Call (800) 750-1416

• Email a cancellation request to [email protected]

• Use Credit Firm’s online cancellation form

Credit Firm does not have a refund policy and states that “the only ethical guarantee that CreditFirm.Net can make is that we will advocate as best as we can on your behalf to reach a favorable resolution.”

Frequently Asked Question

The answers to these frequently asked questions can help you decide if Credit Firm is right for you.

Is Credit Firm a scam? 

No. It is a legitimate business with more than 30 years of history and an A+ BBB rating.

How long does it take to see results? 

Credit Firm states that you should see results within 30 to 45 days of enrolling, but to allow at least 90 days to see a significant improvement in your credit score. 

Can I dispute items myself for free? 

Yes. You are entitled by federal law to dispute items on your credit report to all three bureaus — Equifax, TransUnion and Experian — for free. 

Is there a money-back guarantee? 

No. While you can cancel at any time, Credit Firm is clear that it cannot guarantee specific outcomes, only that it can advocate on your behalf to the fullest extent. It has, however, issued refunds to some unsatisfied customers. 

Does Credit Firm work with all three bureaus?

Yes. Credit Firm engages the three major reporting bureaus, as well as collection agencies and credit furnishers.

Key Terms

• Credit repair: A service that helps you dispute inaccurate credit report items and address negative marks. Many tasks can also be done on your own for free.

• Credit report: A record of your borrowing and payment history collected by credit reporting companies. Lenders may use it to evaluate your creditworthiness.

• Fair Credit Reporting Act (FCRA): A federal law that protects the accuracy, fairness and privacy of credit report information and gives you the right to dispute errors.

• Credit Repair Organizations Act (CROA): A federal law that sets rules for credit repair companies, including required disclosures and limits on charging before services are completed.

• Debt validation notice: A written notice from a debt collector with details about a debt and your right to dispute it, usually sent within five days of first contact.

Sources:

• Consumer Financial Protection Bureau: What is the difference between credit counseling and debt settlement, debt consolidation or credit repair?

• Consumer Financial Protection Bureau: What is a credit reporting company?

• Consumer Financial Protection Bureau: A Summary of Your Rights Under the Fair Credit Reporting Act

• GovInfo: 15 U.S. Code § 1679a - Definitions

• Consumer Financial Protection Bureau: § 1006.34 Notice for validation of debts

Summary generated by AI, verified by MoneyLion editors