Friday, August 12th
2022 Credit Repair Company Reviews
Credit Firm
- "A-" rated by the BBB
- Over 25 years in business
- $49.99/month
- Over 100,000 customers
- More than 1,300,000 derogatory accounts deleted
- No first work or setup fees
- Free consultation
Credit Firm has been around for a long time - over 25 years, actually. They may not be the biggest name in credit repair, but they're one of just a handful of providers to earn an "A-" rating or higher from the Better Business Bureau. Even more impressive is the fact that this company has only received three complaints there in as many years.
Under $50/month for unlimited credit repair
This is an extremely straightforward and affordable credit repair service. No matter what type of help you need, you'll pay a flat monthly fee of $49.99 as an individual or $89.99 as a couple. What will you get for the money? Your service includes a legal in-depth credit audit, the ability to cancel anytime with no penalty, plus unlimited credit bureau challenges, procedural compliance verifications, inquiry challenges, personal info variation challenges, goodwill interventions, debt validation, and escalated info requests.
The data shows that it works
Many credit repair services say they do a good job, but Credit Firm takes it a step further and proves it. You can see a ticker on their Results page showing deletions and repairs finished recently, like a deleted foreclosure from CitiMortgage or a late payment repair with Capital One. They average 9.7 removals per client after three months of service, and 30.1 one removals after a full year.
No setup costs
You won't find a satisfaction guarantee here. But is it really necessary when you're paying such a low monthly rate and you can cancel at any time? You also won't have any initial fees, which is what most of Credit Firm's rivals offer to refund if their clients are unhappy. Might as well skip that step and get to work, right?
Costs
- $49.99/month for individuals
- $89.99/month for couples
Positive reputation with clients
And if what we read from a few dozen Credit Firm clients is any indication, you should have a great experience using this credit repair company. They don't have as many reviews as some of their competitors, but almost everyone comes out with a greatly improved credit report after working with Credit Firm.
Affordable, simple, effective credit repair
What else can we say? If you like the thought of having simple pricing for a reliable credit repair service, Credit Firm should be at or near the top of your list. Their services are effective, clients are satisfied, and there are very few complaints about how this company operates. Schedule your free consultation and see what you can accomplish with Credit Firm on your side.
More Credit Repair Company Reviews
Which Credit Repair Service is the Best?
Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report.
Unfortunately, not everyone understands what goes into a positive credit history. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt.
Credit Repair Company FAQ
Continued from above...
That's where credit repair services enter the picture. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching.
You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs.
As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Which one is the best for you? Here are a few things to keep in mind as you decide:
- Services provided. What is included in your monthly fee? Will you get a certain number of challenges and disputes or is it unlimited? Is credit monitoring included? Will you get coaching on managing your finances going forward, so that you can avoid needing credit repair down the road?
- Fees. What will you pay for the services you receive? Is it month-to-month or a one-off cost? Is there an initial work fee or setup cost? Also, many services expect that you will have a credit report in hand at the time of your first consultation; some include that with your fees, while others charge you for it. Be aware that you can request your credit report once per year for free: the CFPB recommends using AnnualCreditReport.com to get yours from all three of the major credit bureaus at no cost.
- Results. The best credit repair services tell you what to expect and how quickly. It can take a month or two before your credit score changes, even if your provider is working diligently behind the scenes on your behalf.
- Reputation. The Better Business Bureau isn't a big fan of the credit repair industry, so it's not uncommon to see reputable providers with a less-than-stellar BBB grade. Rely on client feedback to paint a clearer picture instead. Do customers say the credit repair service was effective? Was it worth the money they paid? Did their assigned reps update them regularly with the progress made on their credit reports?
To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report!
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