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Credit Review

If you have just one or two derogatory entries on your credit report, you may be well served by using typical credit repair services.

But if you have multiple delinquencies reported, particularly major ones like bankruptcies and foreclosures, you’ll need the services of a credit repair law firm.

That’s exactly what is. And as a law firm, they provide the highest level of representation in dealing with credit problems.

The company will represent you for an unlimited number of credit repair issues and do so for a single flat monthly fee. They charge no upfront fee, and no hidden fees later in the process.

What’s more, the company has been in business doing credit repair for more than 20 years. And they receive high ratings from both third-party rating services and former clients.

When you have the type of credit problems that require bringing out the “heavy artillery”, needs to be your go-to service.

Table of Contents:

  • What is Credit Firm?
  • How Works
  • Features & Benefits
  • Pricing & Fees
  • Signing Up
  • Pros & Cons
  • Is CreditFirm a Good Value?
  • Is for You?

What is Credit Firm?

Based in Deerfield, Illinois, is a credit repair law firm, which is a major advantage itself.

A law firm is better able to deal with the legalities and challenges that are inherent in the credit repair process. What’s more, the firm has been in operation since 1997, making it one of the longest-running credit repair companies in the nation.

With a combination of strong customer service and affordable monthly payments, the company promises to deliver “the best credit repair experience for you”.

They’ll work to help you improve your credit score for a specific purchase, like a house, car, or refinance, or to increase your credit score in general. The company has helped more than 60,000 people in all 50 states across the country.

Rather than focusing strictly on repairing individual credit items on your credit report, they make improving your credit score the top priority. They know the steps most effective in improving your credit score, and that’s where the effort will be focused.

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Company Ratings

The company has the following ratings by independent ratings agencies:

  • A Better Business Bureau rating of “A+” (on a scale of A+ to F), though the company is not BBB accredited.
  • It gets three stars out of five with Trustpilot, with a rating of “6.9” (with 10 being the highest rating), based on 20 reviews.
  • has five stars out of five on Yelp, though this rating is based on only two reviews, both of which giving the company a five-star rating.

How Works

Like most credit repair firms, the starts with a free consultation, where they get to know you and your credit situation.

Knowing that nearly 80% of credit reports contain material errors, the firm works to correct those errors, as well as deal with other credit issues, to improve your credit score.

After the free consultation, and once you decide to proceed with the service, they’ll ask you to forward a copy of your most recent credit report. If you don’t have a recent one available, they can help you get one.

Credit Repair

The credit repair process works differently from the competition. It starts with a legal audit of your credit reports by a licensed attorney. The attorney carefully reviews every document sent out to your creditors. They also employ hundreds of automated legal cross-checks as part of their Fair Credit Reporting Act (FCRA) compliance validation database. That enables the firm to proceed with the credit repair process both legally and permanently. This is another major advantage of having a credit repair firm staffed by attorneys.

Once you begin the process, will usually start sending out documents for investigation within 3 to 5 business days. They claim to have helped clients remove bankruptcies, judgments, tax liens, collections, charge-offs, late payments, repossessions, and even foreclosures from their credit reports. Naturally, any debts legitimately owed – like tax liens – will need to be paid as part of the process. will work with creditors on your behalf and use your legal rights to remove or correct derogatory information from your credit reports. They also handle correspondence with the three major credit bureaus to confirm that all changes have been made.

Unlimited Services Provided by provides the following unlimited services:

  • Credit bureau challenges
  • Inquiry challenges
  • Name variance challenges
  • Address variance challenges
  • Goodwill interventions
  • Escalated information requests
  • Debt validation
  • Cease and desist requests

Escalated information requests are “mildly confrontational”, in which the company asks a creditor to provide proof of compliance with various consumer protection statutes, or to change the way it’s reporting your account on your credit report.

Debt validation is a more aggressive strategy in which the company demands a complete accounting from a creditor of the account in question. This can include demands for copies of the original signed application or contract, previous statements, and other documents forcing the creditor to prove your liability in detail – and to remove the negative information if such information cannot be provided.

The company generally expects the credit repair process to take at least 12 months, but that will depend on the extent of the credit repair necessary. They do report, however, that clients typically reach their credit goals within 6 to 8 months of enrollment. Features and Benefits

Credit Education

The company website has a webpage devoted to providing credit-related education. This includes discussions of credit reports and credit report uses, the three major credit bureaus, where you can get a free credit report, and credit scores and the factors that make them up.

Credit Repair Blog

At the blog, you can get specific information on collection agencies, credit cards, credit scores, credit reports, identity theft, and real estate. All topics are handled in a question and answer format for easier comprehension.

Personal Credit Consultant

When you sign up for the service, you’ll work with a personal credit consultant. He or she will keep you informed of the credit repair process. They will even advise you on when and where to apply for credit as a way to improve your credit scores.

Choose Your Own Credit Goals

You can cancel the service anytime you like. For example, if your goal is to improve your credit score from 580 to 650, you can cancel the service when your score reaches that level. But you can also continue if you want to move your score above 700. How long the service will take will depend on the number and depth of your credit issues, as well as your personal credit goals.

Results Time Table

It’s difficult to project how long it will take to see results once you start the program. But they recommend you should see results with individual creditors within 30 to 45 days of enrolling in the service. At the same time, they also recommend allowing at least 90 days before you begin to see a significant increase in your credit score.

Customer Service

Customer contact is available by both toll-free phone and email, 24 hours a day, seven days per week. Site Security

To ensure security and protection of your personal information, the website is secured by 128-bit secure server layer (SSL) encryption. That technology encodes information being sent over the Internet, ensuring confidentiality. The company’s policies, procedures, and technical systems that store, process, or transmit cardholder data are in full compliance with the PCI/DSS.

Pricing and Fees

Unlike many credit repair firms that charge both an upfront fee and an ongoing monthly fee, charges only a monthly fee.

The fee is $49.99 per month for as long as you participate in the program. That single fee covers all services offered by the company, without any extra fees or hidden fees.

You can also cancel the service at any time without penalty or further obligation.

How to Sign up with

You can sign up either by phone or by completing the simple application in the right-hand column of the webpage. The purpose of the contact will be to establish a free consultation.

For billing purposes, you will need to put a credit card on file for monthly billing. The first payment will be collected five days after you enroll in the service, then on the same day of each subsequent month for as long as you participate in the program.

And once again, you can cancel participation in the service at any time. does not require any upfront fees, nor do they accept upfront prepayment for future services.

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Pros & Cons of Credit Firm


  • has one of the lowest fee structures in the industry, with just a single affordable monthly fee. There is no upfront fee to begin the process.
  • The company operates as a law firm, giving you the highest likelihood of success in dealing with your creditors, including those who are the least cooperative.
  • Customer service is available on a 24/7 basis, which is another feature that’s unique in the industry.
  • They’re very realistic in their initial assessment that it can take 12 months or longer to fully complete credit repair. While it’s true some negative information can be corrected in a matter of weeks, others can take many months.
  • For the low monthly fee, will provide unlimited credit repair services. This will be particularly valuable if you have multiple credit issues extending over many years.
  • In addition to credit repair, the company provides a large amount of credit-related information, to help you better manage your debt both now and in the future.
  • The company is highly rated by the Better Business Bureau, Trustpilot, and Yelp.
  • operates in all 50 states.
  • The company has been providing credit repair for more than 20 years, which is a very long time in the credit repair industry.


  • The website is a bit crowded and may be somewhat difficult to navigate.
  • The company does not provide debt settlement services, in which legitimate debt obligations are negotiated and settled for a lesser amount. Though they may provide advice, debt settlement is a process you will need to implement on your own.
  • As a credit repair law firm, does not provide a guarantee of the results of the services provided. The only guarantee they offer is that they will advocate for you as best they can toward favorable outcomes.

Is Credit Firm a Good Value?

Best of all is the value provides for the fee they charge. For a single, very reasonable monthly fee of less than $50, they provide repair services for an unlimited number of credit issues. That includes employing a variety of well-established strategies to deal with each credit problem, regardless of how complicated it may be.

And let’s face it, sometimes you need to have a lawyer in your corner! can be that lawyer.

If you’d like more information, or you’d like to sign up for the service, check out the website.

Will Work For You?

As a credit repair law firm, will work best in those situations where you have a significant amount of credit problems, or those of a higher magnitude, like bankruptcies, judgments, and tax liens. The company doesn’t promise miracles, but they do offer that they will provide every means available under the law to repair your credit.

What may be the most significant is their focus on improving your credit score. That’s the most common goal people with impaired credit have. As a credit repair law firm, knows which credit items will have the heaviest impact on your credit score. Those are the issues they’ll go after first.

For example, they may decide to pursue your most recent credit issues, since they have the most significant impact on your credit score. Older problems – that may fall off your credit report in a couple of years – may receive lower priority. Credit Repair