CreditFirm.net allows you to challenge an unlimited number of credit bureau issues at a lower-than-average cost of only $49.99 a month, providing a good value.
- Pros and Cons
- Key Takeaways
Monthly fee of $49.99 is lower than much of the competition
Plan can be canceled at any time
Unlimited credit issues can be repaired
24/7 support is available
No monthly credit monitoring is available
No financial management tools are provided
Not BBB accredited
- CreditFirm.net has been in business longer than many of its competitors.
- The company focuses solely on credit repair and doesn’t offer services like monthly credit monitoring.
- You can get 24/7 support from CreditFirm.net and enroll in its services online.
- The company appears responsive to feedback, with average 3.2-star reviews from Trustpilot.
- CreditFirm.net’s monthly price of $49.99 is lower than average.
- Year Founded Founded in 1997, Incorporated in 2010
- Average Cost $49.99 per month
- Types of Credit Repair Services Available Credit bureau challenges, goodwill interventions, debt validation, and more
- Monthly Monitoring Options Not available
- Official Website https://www.creditfirm.net/
- Customer Support 1-800-750-1416
CreditFirm.net offers one credit repair plan at a lower-than-average cost of $49.99 upfront and $49.99 per month. Unlike some other credit repair firms, you won’t get monthly credit monitoring or financial management tools. However, CreditFirm.net’s credit repair services are better than much of the competition, as the number of credit issues you can challenge is unlimited.
The company has a C+ rating with the Better Business Bureau (BBB) and average 2.4-star customer reviews with Trustpilot. Plus, you can contact CreditFirm.net 24 hours a day, seven days a week—a level of support not offered by many of its competitors. We considered this and more in our review of CreditFirm.net.
Company Overview: Long History of Business Operations
CreditFirm.net is a privately owned credit repair company headquartered in Deerfield, Illinois. The company was founded in 1997, making its time in business longer than many of the other credit repair companies we reviewed. Unlike some of the competition, CreditFirm.net only offers one credit repair plan with no add-on services (e.g., monthly credit monitoring or budgeting tools). Even so, as with much of the competition, you can get a free credit consultation from CreditFirm.net before you decide to enroll. As a bonus, should you choose to go with CreditFirm.net, you can sign up online, which isn’t offered by many of the other credit repair companies we reviewed.
Available Services: Focused Solely on Credit Repair
The focus of CreditFirm.net is solely on credit repair, with the company offering one plan that includes all of its services. For a better-than-average cost of $49.99 per month, CreditFirm.net will allow you to challenge an unlimited number of items on your credit report. The company will also prepare an unlimited number of goodwill letters and debt validation letters on your behalf. Many of the other credit repair companies we reviewed limit the number of items you can challenge and the number of letters that can be sent. This level of service makes CreditFirm.net stand out from the competition.
One of the primary drawbacks is that you have to send CreditFirm.net copies of your credit reports, whereas many of the other credit repair companies we reviewed handle this task for you. While CreditFirm.net says it can assist you with this task, this level of assistance isn’t automatic. On a positive note, the company does provide useful information about how to get free credit reports from all three credit bureaus. Remember, you’re eligible to get one free credit report per year from each credit bureau. Even if you don’t have credit issues needing repair, it’s essential always to take advantage of this credit report benefit.
You can get free credit reports every year by visiting www.annualcreditreport.com.
Optional Add-Ons: No Additional Services Offered
CreditFirm.net only offers credit repair services. If you want services in addition to credit repair, like monthly credit monitoring or tools to help you manage your finances (e.g., budgeting), you may need to choose a different credit repair company. Keep in mind, you can also get affordable or free stand-alone credit monitoring services. Plus, many banks and credit card providers also provide free credit score monitoring to their customers. That said, the fact that a credit repair company doesn’t offer a credit monitoring solution isn’t necessarily a deal-breaker.
If you want monthly credit monitoring, you can choose a different provider or opt for a stand-alone credit monitoring service.
Customer Service: 24/7 Service and Online Enrollment
Unlike many of the other credit repair companies we reviewed, CreditFirm.net is available to assist you 24 hours a day, seven days a week. To get a free credit consultation, you can call or submit a request online, and someone will contact you. Also, you can sign up for credit repair services online with CreditFirm.net, which is a nice feature not offered by many of the company’s competitors.
Reputation: Excellent Reputation and No Complaints
CreditFirm.net was founded in 1997 and has a longer history of operations than many of its competitors. CreditFirm.net is not accredited by the BBB, and has a C+ rating. It also hasn’t had any BBB complaints, which is remarkable when compared to the competition.
Customer Satisfaction: Responsive to Feedback
Trustpilot features an average 2.4-star customer review rating for CreditFirm.net, based on feedback from 31 customers. However, 58% are positive reviews. Many of these suggested the company is quick to respond to emails and noted credit score improvements.
The few negative reviews noted communication issues and frustration over credit repair items. A survey of responses provided by CreditFirm.net to the Trustpilot reviews suggests the company is responsive to feedback and is focused on helping its customers solve identified issues. The company’s responses were detailed and specifically addressed the issues raised in the reviews.
Cost: Better-Than-Average Pricing
CreditFirm.net offers one credit repair plan at a monthly cost of $49.99 with no hidden fees, which is among the lowest of the credit repair companies we reviewed. You’ll pay an initial fee of $49.99 (referred to as a “first work” fee by some of the competition) five days after you enroll in a plan with CreditFirm.net, and then $49.99 every 30 days thereafter until you cancel (you can cancel at any time). Plus, couples get a discount of almost $10 a month (you’ll pay a total of $89.99 a month), which is good when compared to the competition.
Notably, the price you’re paying with CreditFirm.net only includes credit repair services and doesn’t include add-on features like monthly credit monitoring or financial management tools (e.g., budgeting). However, the credit repair services it includes in its plan are unlimited. The level of credit repair services you’ll get with CreditFirm.net is better than some of the other credit companies we reviewed, many of which charge not only a higher monthly rate but also limit the number of items that can be repaired, how many letters can be sent, and more.
The following table summarizes the costs CreditFirm.net charges for its credit repair services:
|Plan||Initial Fee||Monthly Fee|
The Competition: CreditFirm.net vs. Lexington Law
One of the most well-known competitors to CreditFirm.net is Lexington Law, a credit repair company headquartered in North Salt Lake, Utah. Lexington Law was founded in 2004. A key differentiator between CreditFirm.net and Lexington Law is the pricing structure, with Lexington Law’s least expensive plan costing $89.95 per month and not including some of the services offered by CreditFirm.net (e.g., cease and desist letters) at a much lower monthly cost of $49.99.
You’ll get additional services like routine credit monitoring and financial management tools with Lexington Law’s higher-cost credit repair plans; and they do have a higher Trustpiliot rating. Even so, if you’re just looking for credit repair, CreditFirm.net offers a better value than Lexington Law because you’ll get more credit repair services at a lower cost. Plus, CreditFirm.net has a better reputation than Lexington Law, based on their BBB ratings.
|Monthly Price||$49.99||$89.95 to $129.95|
|Initial Fees||$49.99||$89.95 to $129.95|
|Number of Plans||One||Three|
|BBB Accredited Business||No||No|
|BBB Customer Reviews||5-star||Better than 2-star|
|Trustpilot Customer Reviews||2.4-star||4.7-star|
Low-Cost Credit Repair Solution From a Reputable Company
Based on our methodology, CreditFirm.net is a solid choice if you’re looking for a credit repair solution. The company doesn’t place limitations on the number of items you can challenge at a monthly cost lower than much of the competition. You won’t get any add-ons, like monthly credit monitoring or budgeting tools, but CreditFirm.net makes up for this issue by charging a reasonable rate of only $49.99 a month.
Trustpilot. "CreditFirm.net." Accessed March 5, 2021.
Better Business Bureau. "CreditFirm.net." Accessed March 5, 2021.
Better Business Bureau. "Lexington Law Firm." Accessed March 5, 2021.
Trustpilot. “Lexington Law Is Rated ‘Great’ with 3.9 / 5 on Trustpilot.” Accessed November 29, 2020.