CreditFirm.net Reviews 61

Reply from CreditFirm.net

Mar 13, 2026

Hello,

We take feedback very seriously and would like to address the concerns raised in this review.

After carefully reviewing our records, we have not identified any account where a payment was successfully processed under the circumstances described in this review. Our system shows that the only enrollment associated with the surname Crockett attempted to enroll in October 2023; however, all payment attempts were declined by the card issuer, and no payment was ever processed. As a result, the account was automatically cancelled due to non-payment, and no services were billed or rendered.

Because the review states that payment was taken and that the account continued to be charged for six months, we would genuinely like the opportunity to investigate this further to ensure there has not been any misunderstanding or confusion with another service.

We previously reached out through Trustpilot, requesting additional information, but did not receive a response. If the reviewer did interact with our company, we encourage you to please contact us directly so we can locate the account and resolve the matter promptly.

You can reach our support team at: info@creditfirm.net

We are always happy to investigate and resolve any legitimate concerns, and we remain committed to transparency and customer satisfaction.

Reply from CreditFirm.net

Updated Dec 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.

Reply from CreditFirm.net

Aug 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

Reply from CreditFirm.net

Jul 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.

Reply from CreditFirm.net

Nov 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.

Reply from CreditFirm.net

Updated Sep 23, 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

Reply from CreditFirm.net

Aug 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.

Reply from CreditFirm.net

Aug 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.

Reply from CreditFirm.net

May 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