Michael
Wasted time and money.
Credit firm was great at first. Then just fizzled out. Was notified of only 2 rounds of disputes by credit bureaus. 1 for employment history/addresses and 2 actual credit disputes. Then never got any notifications since. Now every month though the portal says they’re disputing but I question if they’re really doing the work. Those disputes happened in 11/21 and it’s now 5/22. 10 months without a single point increase. Oh and the communication, this company gets a 0. You can never talk to your counselor, they have to call you back. I waited over a week to hear back from mine before I said enough is enough and just cancelled. Wasted $500.
Response from CreditFirm.netMay 3, 2022
Hi Michael, Thank you for reaching out to us through TrustPilot and allowing us an opportunity to resolve this issue. According to your latest credit reports, we have seen some progress with the removal of derogatory information including a $1,100 charged-off Capital credit card from Equifax, the removals of late payments from a Wells Fargo auto loan on Equifax, the removal of a Nationwide Recovery Systems medical collection from all 3 bureaus and a collection from Phoenix Financial Systems from all 3 bureaus. I'll email you a complete detailed update once it is completed. Although we had some success with the removal of several accounts, there were quite a few more derogatory charged-off accounts actively reporting outstanding/past due balances. This is the reason why the scores didn't change much. The fact that you have not received the result letters from the credit bureaus is concerning, which I why I just called TransUnion to make sure that they had been receiving the letters that we have been sending them. According to the TransUnion representative I spoke with, within the last month there have been 3 separate disputes initiated on 4/1/2022, 4/28/2022, and 5/2/2022. Please feel free to confirm this information with TransUnion, you can reach them directly at (800)-916-8800. I will contact Experian and Equifax next and email you the information I gather from them. Regarding our service, with all clients, we try to set very clear expectations. There is no magic to credit repair and no secret letters that can delete everything derogatory from your credit reports. We use the FCRA, FDCPA, FCBA, etc... for compliance verification and attempt the removal of derogatory information due to inaccuracies or non-compliance to the aforementioned laws. The work we completed in your case included, credit bureaus disputes, section 609 requests, method of verification, debt validation, investigations through the CFPB, FTC, OCC, etc.... We even reached out to you in February to find out whether you would be open to settling some of the charged-off accounts in order to speed up the process. We usually do not handle debt settlements for our clients but, we wanted to help as much as we could and do everything possible to increase your scores. Regarding the communication issue that you reported, according to our system, I'm showing that every note you left us in our client portal had been answered and every email has been replied to. I am seeing that you called recently to find out the status of your case and we responded back to let you know that we were in the process of getting an update together and would contact you as soon as it was completed. I'm very sorry to hear that you are dissatisfied with our services. We are constantly striving to provide the best service possible, and I apologize if you didn’t feel that is what you received. - Deborah