Absolutely wonderful, I signed up on July 15th 2024 and have already seen 4 accounts removed and my scores are all up over 640 already.
MM
Max M.
Signed up in June and my scores have…
Signed up in June and my scores have all gone up, they even got the eviction collection off my reports
JK
Jamie K.
Not good people
They haven't done a damn thing including call me back. I put a lock on the card but for a dew says had it off because I didn't pay on this service but sure enough they take the money. They are nothing but cons
Response from CreditFirm.netAug 10, 2024
Hi Jamie,
You enrolled in our service on 6/28/2024 and sent us your credit reports on 7/1/2024. We processed your file the same day and mailed out dispute and debt validation letters to the credit bureaus and furnishers the same day. We also provided you with the login credentials to our online portal. Your initial payment for our services was declined on 7/3/2024. We communicated with you on 7/3, 7/4, 7/5, and 7/8, answering your questions about your case, the work that we were doing, and the billing issues. We tried running the payments again a few times but, the transactions were declined. On 7/30/2024 our system retried the payment and it went through. On 8/7/2024 we received a call stating that you had previously canceled the service and requested a refund for the charge on 7/30/2024 (the initial payment for our services). Although we did not receive any cancellation requests via email, phone, fax, mail, etc... prior to 8/7/2024, we still processed the refund and sent you a confirmation via email.
I'm not exactly sure how we're conning anyone when we worked on your case, mailed out several letters to the credit bureaus and collection agencies, without ever receiving a payment. And when the initial payment finally went through you asked for a refund, which we processed.
SM
Shanmugam M.
Waste of Time and Money - Absolutely no improvement in my credit score
I've been with Creditfirm.net for the past three months, and all they've done is take my $150. There has been absolutely no improvement in my credit score. They claimed to have sent letters to all three credit bureaus (Experian, Equifax, and TransUnion) and assured me that I'd receive a response within 30 to 45 days. However, it's been over 60 days and I haven't heard anything from any of the bureaus. I'm still with them, but I won't be staying past this month unless there is some miracle.
Response from CreditFirm.netAug 10, 2024
Hi Shanmugam,
As of 7/16/2024, Experian removed the Merchants Credit Bureau collection account along with 5 incorrect names, and 9 old addresses. We sent you an updated Experian report via email on 7/16/24 at 11:13 am CT as verification of the removal. Congratulations on being collection-free on Experian. The other credit bureaus are showing the account in dispute.
LY
Lyn
I had my identity stolen a few years…
I had my identity stolen a few years ago and have been trying to clean things up over the course of the last year and a half but, the credit card companies and credit bureaus and not been very helpful. I finally decided to hand things off to a professional service and I went with CreditFirm.net because of the great reviews. They did not disappoint. What I couldn't accomplish for 18 months took them 3 months to do and they had all of the fraudulent accounts removed. I just wish I did this sooner.
JC
Joe C.
I used credit firm in 2013 to fix my…
I used credit firm in 2013 to fix my credit and everything was great but, everything went sideways a few years ago because of covid. I got a bunch of late payments and medical bills on my credit so I had to use them again. My scores are a lot better now and the medical bills are all gone. CreditFirm.net did a great job but, I hope I never have to use them again but, it's still nice to know that I have someone to help me when I need it
DR
D-Rob
I’m usually not one to write reviews…
I’m usually not one to write reviews but, after neglecting my credit for years I finally had the courage to take a look at my credit report and I was in complete shock. So much stuff I didn’t even know existed. Old debt for Comcast, AT&T, an apartment complex I left because they had roaches, car insurance, medical, so much!!!! Pages and pages of companies I’ve never heard off all saying that I owe the money. Made my head spin. I was going to let it go but, I decided that I was going to do something about my scores once and for all. I signed up a few months ago with creditfirm.net and although we’re not done yet, we’re making great progress. I had 17 accounts removed so far and my scores are starting to go up. I know that there’s a lot more work to do and that this process takes time but, for the first time in a while I have hope, hope that things will be better, and I have faith in creditfirm. God bless you, the work that you do is so important, thank you for helping me!
MI
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
