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About Credit Firm

Credit Firm is would be honored to have the opportunity to work on improving your credit scores and assisting you to achieve both your personal and financial goals.

Established in 1997, Credit Firm has been helping consumers improve their credit scores for over 20 years. Founded by a team of attorneys specializing in consumer credit and FCRA violations, our team has the knowledge and wherewithal to advocate on your behalf against the credit reporting agencies and credit furnishers in order to achieve the type of results that will allow you to build a strong financial foundation and move toward a more prosperous future.

We combine affordable monthly payments, superior results, and award winning customer service to deliver the best possible credit repair experience to our clients.


Our legal staff reviews your credit reports, analyzes the information reporting in each account trade-line, and puts together an Action Plan to address the negative issues in your credit reports and increase your credit scores.

Credit Repair Process Begins

We initiate investigations with the 3 credit reporting agencies (Experian, Equifax, and TransUnion) as well as collection agencies, Lexis Nexis, and other credit furnishers to remove as much derogatory information from your credit reports as possible by leveraging consumer protection laws such as the FACTA, FCRA, FDCPA, FCBA, and HIPAA medical privacy laws.

CreditFirm uses every legal tool and procedure allowable by law to remove as much derogatory information as possible from your credit reports and increase your credit scores.


Our mission is to provide industry-leading credit repair and superior customer service at an affordable price to help consumers with credit issues restore their credit and build strong credit foundations upon which they can achieve their financial goals and move toward the best possible future.


Bad credit closes doors and limits consumers to obtaining financing through sub-prime means resulting in excessively high-interest rates and towering monthly payments.

Just look at the difference good credit makes


  • Low-interest rate mortgage
  • Apartment with no security deposit
  • Low-interest rate credit cards
  • Low-interest/No Down Payment Auto Loans
  • Have extra money at the end of the month
  • Low Auto Insurance rates
  • Qualify for a low-interest Personal Loan
  • Qualify for an SBA Loan to start a business
  • More employment opportunities
  • Confidence



We go over your credit report with a fine tooth comb breaking down every account to determine the best course of action to take in order to optimize your credit scores and help you attain your goal in the minimum amount of time.


We typically dispute 5-7 accounts per credit bureau per round (15-21 total per round) but, if you would like us to dispute more just let us know. Want us to do 50 at a time? No problem!

No matter how many accounts you have on your credit reports or how much work we have to do, you will only be charged one low monthly fee of $49.99.


Verifying that the credit bureaus completed their investigations in compliance with section 611 of the FCRA – didn’t skip any steps during their investigations and completed the investigations within their allotted time. If a violation occurs, the accounts are deleted.


We will request that all of the creditors reporting inquiries on your credit reports provide proof of their permissible purpose for pulling your reports. If they have the proper authorization, the inquiry will stay, if they can’t verify their permissible purpose, the inquiry is deleted.


Personal Information Variations can throw up a red flag for potential lenders.

They are also markers for instability, displaying sporadic behavior to potential lenders.

We will work on removing the inaccurate name and address variations as well as excess employer and phone number information.


A friendly creditor intervention which leverages your past/current positive payment history with a creditor reporting one or two late payments on your credit reports – in an effort to remove the late payment(s) from your credit reports.


Debt validation requires that the creditor/data furnisher provides documents such as original contracts, billing statements, etc…, to prove your liability in a debt.

If the debt is not validated within the FCRA time-frame, the account is deleted from your credit report. If the creditor sends in the required documents they are forwarded to the CFPB for review. The CFPB will then make a determination of whether the documents meet the criteria outlined by the FCRA for debt validation and either delete or verify the account.

We also match up the information from any paperwork received from the furnisher to the info reporting in your credit reports. If the information from the validation documents does not match up to the information reporting in your credit file, the account is deleted from your credit reports.


This more aggressive intervention requests documentation to corroborate the information that they are reporting in your credit reports and proof of a creditor’s compliance with various consumer protection statutes.

This intervention may also include communication with;
• Office of the Comptroller of the Currency Administrator (OCC)
• Federal Trade Commission (FTC)
• Consumer Financial Protection Bureau (CFPB)
• Your State Attorney General
• Your State Department of Justice: Consumer Protection Division
• Your State Governor’s Office of Consumer Affairs
• The Association of Credit and Collection Professionals (ACA International)
• The Consumer Data Industry Association (CDIA)
• and more…

Find another credit repair company that’s going to file an investigation with the CFPB or contact the OCC on your behalf.

Go ahead, we’ll wait…

Now, find a company that’s going to do everything we do for $50 a month…

Most credit repair companies don’t go beyond sending a few dispute letters every 30-60 days.

If that’s all you’re looking for you can find hundreds of other credit repair companies to do just that.

But, if all you want is for someone to send dispute letters, save yourself some money – spend 3 stamps and use one of the thousands of free generic dispute letters found online to dispute your negative accounts yourself.

If you decide that you want to hire a company to leverage EVERY consumer protection law available and use EVERY tool in the credit repair toolbox… we’re here to help.


  • Late Payments
  • Collections
  • Public Records
  • Bankruptcy
  • Judgements
  • Tax Liens
  • Charge-offs
  • Repossessions
  • Inquiries

Credit Firm Details

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Credit Firm
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