CreditFirm.netReviews of creditfirm.net

Response from CreditFirm.netDec 17, 2025

Hi Timurlan, We removed 2 inquiries from your Experian report and the late payment information previously reported in the CEFCU auto loan (opened on 8/12/2022). The account is now reporting as never late on all 3 credit bureaus. The remaining CEFCU account (opened 7/22/2020) verified the accuracy of the 3 late payments and refused to remove the late payments via disputes, payment history verification, and goodwill requests. We provided you with updates regarding your case via email on 5/27/2025, 6/5/2025, 6/11/2025, 7/15/2025, 7/17/2025, 8/28/2025, and 9/8/2025. The remaining credit furnishers reporting inquiries have verified their permissible purpose for initiating the inquiries per the FCRA.

Response from CreditFirm.netAug 16, 2025

Hi Juan, I’m sorry to hear that you’re not fully satisfied with our services. Over the course of the program, we submitted 4 rounds of disputes, 3 rounds of method-of-verification requests, 3 Section 609 requests, and mailed more than 25 goodwill letters to creditors reporting late payments on your behalf. Unfortunately, the account information was consistently verified as accurate. Because of the ongoing late payments on your American Express account, new 90-day lates continued to be reported, which limited the effectiveness of both goodwill requests and disputes. That said, we were able to achieve some positive results—specifically, the removal of 23 charge-off statuses from the payment history of your JPMCB (Chase) account (covering 9/2021 through 7/2023). However, the new late payments reported on your American Express and Fifth Third accounts prevented these improvements from translating into meaningful score increases. I truly regret that the results did not meet your expectations, but please know that we worked diligently on your file and exhausted every available avenue. I sincerely wish you the best on your credit journey and hope to see your scores improve as your recent positive payment history begins to build. Best regards

Response from CreditFirm.netJul 2, 2025

Thank you for taking the time to share your experience with us. We genuinely value your feedback, and we’re sorry to hear that your expectations were not fully met. It’s important to us that you understand how the credit repair process works and what credit repair companies are legally allowed to do. Credit repair companies cannot unilaterally remove negative items from your credit reports. Derogatory information can only be removed if it is found to be inaccurate, incomplete, not legally compliant, or if it ages off (typically after 7 years from the original delinquency date). Our role is to initiate formal investigations into the accuracy and compliance of the information being reported on your credit accounts, such as balances, payment history, account status, dates, and more. We request documentation to validate these details. If an account is found to have errors or legal inconsistencies, it may be corrected or removed. However, if the information is verified as accurate and compliant, it must legally remain on your credit report until it expires naturally. Because of this, we cannot guarantee specific outcomes or timelines for item removal. Regarding your case, you enrolled in our service on April 24, 2025. That same day, we processed your file, initiated disputes and validation requests with the credit bureaus and data furnishers. Unfortunately, in the following month, a new $600 collection account from Paragon Revenue was reported to your credit file, which contributed to a drop in your credit scores. We immediately began working to dispute and validate this new account. At the same time, the credit bureaus verified seven accounts as accurate. We responded by submitting a method of verification request to challenge the validity of that outcome. Shortly thereafter, the U.S. Department of Education reported a 90-day delinquency on your student loan, which caused your scores to decline further. We advised you to contact your servicer to request deferment or forbearance, and we also submitted disputes related to this new delinquency. The current round of investigations is still active and should be completed within the next few weeks. We’re sorry if you felt that our communication didn’t meet your expectations. In the two months and four days you were enrolled with us, our team responded to all 10 emails you sent, providing the best information available at each stage of the process. Please understand that credit repair is a structured process, and timelines are governed by federal law: • 30–45 days for credit bureau disputes • 30 days for debt validation • 15 days for method of verification requests • 30 days for 609 requests • 15–60 days for CFPB investigations • 15 days for permissible purpose verification • etc... These timelines are outside our control, but we always aim to move efficiently within the process. We truly regret that your experience did not meet your expectations. Your feedback is valuable, and we will use it to improve our communication and service. Thank you again for giving us the opportunity to work on your behalf.

Response from CreditFirm.netNov 19, 2024

Hi Jon, I'm very sorry to hear about your displeasure with our services. According to our records, we were able to remove several late payments from the 4 derogatory accounts reporting in your credit reports as well as a $7,939 charged-off US Bank credit card from Experian that was scheduled to report until July 2029. Your TransUnion Score increased from 685 to 752 and your Equifax Score increased from 612 to 734. I'm still working on getting your Experian score but, I will send you the information as soon as we have it.

Response from CreditFirm.netSep 22, 2024

Dear Lisa, Thank you for taking the time to tell us about your experience. According to your latest reports; The $728 charged-off TBOM/Aspire credit card was removed from all 3 credit bureaus. The $594 Paramount Recovery System collection was removed from all 3 credit bureaus. Equifax removed all late payment information from the Covington Credit account. Experian removed a 60-day late payment from the Express credit card, a 90-day late payment from Fingerhut, and 5 late payments from the MoneyLion account. Experian also removed the $186 National Credit Adjusters collection and the $165 National Credit Adjusters collection. TransUnion removed all late payments from the Possible Financial account (8V8O5K6U2XI11R36A531W....). Unfortunately, Capital One reported 4 new late payments since you enrolled in our services, and a new collection was reported by Jefferson Capital Systems which is the reason why your credit scores have not increased. We have not charged you since July and stated earlier this month that we are putting all payments on hold until the current round of investigations has been completed and we have a new update for you. Based on your investment of $149.97, the results mentioned above have surely given you a good return on your investment. Good luck moving forward with your credit repair journey. - UPDATED REPLY - 9/23/24 - Hi Lisa, I’m truly sorry to hear about your health challenges. Please know that my intention was never to make light of your situation. I simply wanted to provide clarity on why your credit scores may not have improved and to highlight the positive changes to your credit reports. Regarding the communication concerns, I see that we've received 4 phone calls and 27 emails from you since May, all of which have been responded to. If you don't see a reply please check your SPAM folder. Having said that, I will carefully review your communication history to investigate if there was any breakdown or miscommunication on our end. I apologize if our service did not meet your expectations. I sincerely hope you experience a full and swift recovery with your health. Warm regards, Deborah