CreditFirm.net is on our list of the best credit repair companies, so it deserves a second look. It offers simple, affordable services with no initiation fees and the ability to cancel at any time. Services include credit disputes, debt validation letters, and cease-and-desist requests. CreditFirm.net can meet your credit repair needs by helping you remove false information from your credit reports and it can help you deal with debt collectors. As part of reviewing CreditFirm.net, we evaluated 17 credit repair companies in the following categories: costs and fees (40.5%), services offered (34%), customer experiences (22.5%), and stability (3%).

Pros Explained

• Low fees: CreditFirm.net charges a flat $49.99 monthly fee, and it charges no initiation fee, unlike just about every competitor.
• Assigned a personal credit consultant: Customers will work with a dedicated personal credit consultant to dispute items on their credit reports and complete any paperwork necessary to work on your case. 
• Unlimited monthly disputes and communication with creditors: Some credit repair companies only send a certain number of disputes per month and this can make the process lengthier and more costly. CreditFirm places no limits on the number of credit disputes or requests you can make.

Cons Explained

• No money-back guarantee policy: CreditFirm doesn’t offer refunds for any reason. Compare that to some competitors that will refund your initial or monthly fee if you decide to cancel or don’t get any results. 
• No customization: CreditFirm offers a single plan with no higher tiers or add-ons. You’ll have to look elsewhere if it doesn't fit your situation.
• Doesn’t include credit monitoring: It’s important to monitor your credit throughout the credit repair process but CreditFirm doesn’t include credit monitoring in its package, unlike many other companies. See our picks for the best credit monitoring tools to supplement this service.

Types of Services

CreditFirm's services mainly consist of creditor interventions and credit disputes so customers can only sign up for one package. It will typically take one to two days after you sign up before the company starts working with you on a credit repair plan. All services are provided in unlimited quantities per month, a step up from many competitors who put a cap on the number of disputes they’ll send in each cycle.

Credit Bureau Disputes

You'll be assigned a personal credit consultant and you'll receive an in-depth legal credit audit that consists of looking over your credit reports and finding any errors. A plan will then be formed to contact the credit bureaus on your behalf to change or remove incorrect items on your credit reports. CreditFirm will look for erroneous hard inquiries, credit account details, and personal details. 

Creditor Requests

Customers can also request that CreditFirm.net send creditor interventions on their behalf in the form of letters or requests. These include debt validation requests, goodwill letters, and cease-and-desist notices. 

Company Features

CreditFirm.net is a pretty simple website. It offers only two features.

• Free credit repair consultation: You can sign up to speak with a representative for free to see if CreditFirm.net or credit repair services in general are a good fit for you.
• Discount opportunities: Couples can save by signing up together. It will cost you $89.99 in total. We were also informed by customer support that more discounts will be forthcoming.

Customer Service

CreditFirm.net offers 24/7 customer service seven days a week via phone, email, or a contact form. Customers can also log in to their accounts online to manage their requests and oversee their credit disputes.

• Email: info@creditfirm.net
• Phone: (800) 750-1416
• Fax: (847) 739-7273
• Mailing Address: CreditFirm.net, 1020 Milwaukee Ave., Suite 122, Deerfield, IL 60015

Company Reputation

Looking at complaints filed with the Consumer Financial Protection Bureau (CFPB) can sometimes help you assess a company’s reputation. There are no complaints against CreditFirm.net listed with the CFPB, but this doesn’t necessarily indicate a good company reputation.

Trustpilot gives CreditFirm a rating of 3.8 out of five, with most complaints being about customer response times.

Contract Duration

Customers don’t have to sign up for a long-term contract with CreditFirm.net. You'll simply pay a monthly fee and you can cancel your monthly membership at any time by contacting customer service. 

Cost

Unlike credit repair companies with multiple service tiers and hidden fees, CreditFirm only charges a monthly fee of $49.99 or $89.99 for couples for all of its services. There's no first work or initiation fee.

How to Choose a Credit Repair Company

Some factors to look for can help you find credit repair companies that best suit your needs:

• Price: Most credit repair companies charge first work fees followed by monthly fees, as well as cancellation fees in some cases. Some will charge extra for services like hard inquiry disputes so check what services are inclusive or extra before signing up.
• Consultations: Most companies offer free initial consultations to determine whether credit repair or their companies are a good fit for you. Beware of companies that make guarantees to lower your score or remove accurate negative information.
• Written contract: Having a contract in writing ensures that you're clear as to what your rights are as a consumer and what the company promises to do for you after you sign up for its services.
• Services offered: What will the company actually do on your behalf? Some credit repair companies only dispute certain types of items or they'll only dispute a certain number per month. Be sure that the company you choose can deal with your unique situation. You should be able to figure this out in your consultation.
• Reviews: Sources like CFPB or Trustpilot can give you some insight into any legal actions or complaints taken against a credit repair company.

Alternative Choices

			Sky Blue Credit
Services Offered	Credit disputes Credit interventions	Credit disputes Credit monitoring Identity theft Debt management	Credit disputes Score assistance Debt management One-on-one coaching
Max. Number of Monthly Disputes	Unlimited	19 per 45–60 days	Unlimited
Letters to Creditors/Bureaus	Debt validation, section 609, goodwill, method of verification, permissible purpose verification, CFPB investigations, FTC investigations, OCC investigations, cease-and-desist, Section 605B	Collections, late payments, charge-offs, liens, bankruptcies, repossessions	Debt validation, cease and desist, goodwill, method of verification
Min. First Work Fee	$0	$24.95	$79
Min. Monthly Fee	$49.99	$24.95	$79
Customer Service Platforms	Phone, email, contact form	Online, phone, email, live chat, mobile app	Online, phone, email

Final Verdict

CreditFirm.net is a budget-friendly option for those looking for a no-frills solution to their credit repair needs. You won't find any add-ons or ways to customize your package, but the service will likely work well for many consumers. You’ll just have to find your own credit monitoring service to keep tabs on your progress and to make sure that CreditFirm is having a positive impact on your credit.

We've rated CreditFirm among the top credit repair companies, but there are several good options out there. Browse our picks for the best credit repair companies if you want to shop around.

Methodology

Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, giving the highest weights to those that are the most significant for customers. The top picks were selected based on the following:

• Costs and fees (weighted 40.5% in total)
• Services offered (34%)
• Customer experience (22.5%)
• Stability (3%)

We took factors into account, such as how many disputes will be sent per month, what kinds of dispute letters will be sent, cancellation and return policies, and how long companies have been in business. This information was used in our company's star ratings and best picks.