is a credit repair law firm that helps you restore your credit and build healthier credit habits for a stronger financial future. Based in Deerfield, Illinois, they offer credit repair services to customers in all 50 states. As a law firm, CreditFirm.net is well equipped to navigate the difficulties and legal challenges associated with credit repair.
CreditFirm.net has a simple, three-step process. First, you’ll connect with one of their personal credit consultants, who can answer any questions you have about credit repair. Then, you have to provide a copy of your credit report. Finally, CreditFirm.net can begin the credit repair process. They work directly with your creditors and the credit bureaus to remove any negative or inaccurate items from your credit report.
Whether you’re looking to meet a specific financial goal or generally improve your credit score, CreditFirm.net will help. You can get a free credit consultation and evaluation online, or by calling 1-800-750-1416. Here’s what you need to know about CreditFirm.net if you’re interested in working with them to repair your credit:
Table of Contents
- 1 What Does CreditFirm.net Do?
- 2 What Else Does CreditFirm.net Offer?
- 3 How Much Does CreditFirm.net Cost?
What Does CreditFirm.net Do?
CreditFirm.net uses its legal expertise to pursue every possible avenue for credit repair. Like other credit repair companies, CreditFirm.net uses the same repair and reporting techniques that are available to everyday consumers. However, repairing your credit on your own can be confusing and overwhelming, and you won’t have a team of attorneys to guide you through the process.
From getting a job to qualifying for a loan, the CreditFirm.net team understands that your credit doesn’t just affect your finances — it can also affect your day-to-day life. For that reason, their focus is on raising your credit score. However, CreditFirm.net’s services are tailored to suit your unique situation and financial needs. Their monthly services include:
Before anything else, CreditFirm.net goes over your credit report to learn about your history and determine the actions they need to take. A licensed attorney will review all of your credit documents and dispute any inaccurate or false information from your credit report. They can work to remove:
- Tax liens;
- Late payments;
CreditFirm.net will also correspond with the three major credit bureaus on your behalf to verify that corrections are made to your credit report.
Method of Verification Requests
CreditFirm.net works to protect their customers from any missteps that credit bureaus make. If you dispute an item on your report and a credit bureau responds by saying that information is accurate, you can ask the bureau to verify their investigation of that claim.
Under the Fair Credit Reporting Act, credit bureaus are required to give you verification of that information and their method of investigation. CreditFirm.net will act as a liaison between you, the original creditor, and the credit bureaus to make these requests and protect your rights as a consumer.
When a lender is thinking about giving you a loan, they will do a hard credit inquiry to see if you are a reliable borrower. These inquiries are normal and necessary, but too many of them can lower your credit score. CreditFirm.net will explore these inquiries with your creditors to see if they were necessary and ask for them to be removed. If there are any false or unnecessary inquiries, removing them can raise your credit score by several points.
Personal Information Variance Challenges
Your personal information, such as your race or gender, does not necessarily affect your credit score, but having variations of your information on your credit report can. If you have many different addresses, employers, or names in your credit history, it can lower your credit score because you appear unstable and untrustworthy to lenders. CreditFirm.net will try to remove any of these variances that are inaccurate or unverifiable to make you appear more trustworthy as a borrower.
If you have a positive relationship with your creditors, CreditFirm.net can pursue goodwill interventions on your behalf. These interventions appeal to your creditors’ willingness to remove negative items from your account based on your demonstrated reliability as a borrower. This method works well if you have greatly improved your credit habits or have a particularly good relationship with a lender. Creditors may not be able or willing to do this, but if they are, it can positively affect your credit score.
Escalated Information Requests
CreditFirm.net can help you intensify your credit repair efforts by sending escalated information requests to a creditor. This tactic is used after your credit disputes are denied and requires your creditors to show proof of compliance with consumer protection laws. If you discover creditors haven’t been properly following these laws, it can help to have legal experts advocating for your rights during this process.
CreditFirm.net uses its knowledge of consumer laws to advocate for its customers. As a consumer, you have the right to verify that a debt is yours before you pay it. Debt validation is an aggressive strategy that requires a creditor to turn over all information and documentation related to your account, such as your original application or previous account statements, to confirm that the purported debt belongs to you. If your creditors cannot definitely prove the debt is yours, they have to remove that information from your account.
Collection Agency Defense
Debt collections agencies can be intrusive and relentless. CreditFirm.net will protect your rights under the Fair Debt Collection Practices Act to stop any debt collectors from harassing you during the credit repair process.
What Else Does CreditFirm.net Offer?
In addition to credit repair, CreditFirm.net also educates customers on healthy credit habits to help them achieve long-term financial health. They have plenty of resources on their website that can answer your questions about all things related to credit repair.
As long as you’re enrolled in their services, you will work with a personal credit consultant. This professional will update you on the status of your account and the actions being taken for your benefit. Further, your consultant will offer advice on actions you can take to improve your credit score while repairing your credit (such as when to apply for a new credit card).
How Much Does CreditFirm.net Cost?
CreditFirm.net charges $49.99 per month for their services. This flat rate includes all consultations, disputes, and information requests. There are no hidden fees associated with using their services. While you are free to cancel at any time, CreditFirm.net recommends that you use their services for at least one year to see the best results.
Ultimately, CreditFirm.net is a great option if you have serious, long-standing, or numerous problems with your credit. They cannot guarantee success, as that’s ultimately up to your creditors and the credit bureaus, but they will advocate for you to the best of their ability. With their legal team and credit experts, they will pursue every available opportunity to help you repair your credit.
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