Credit Firm review

Credit Firm avoids tiers entirely. One plan costs $49.99 a month, and the company lists no setup fees, consultation fees, credit report fees, per-deletion fees or cancellation fees. That single plan covers disputes with Equifax, Experian and TransUnion, unlimited eligible challenges, debt validation requests to collection agencies, Section 609 letters, method of verification requests, CFPB investigations, permissible purpose checks and goodwill requests for eligible late payments. Each client is assigned a personal credit consultant who handles the case and the updates, and an online portal shows progress in real time. The first payment is scheduled 5 days after enrollment, then monthly, and you can cancel at any time. What Credit Firm does not publish is a refund policy, and its pricing page does not list three-bureau reports or scores as part of the fee, so budget for monitoring separately if you need it.

Who it is for

budget shoppers who want full service

Price

One plan at $49.99 per month; no setup or cancellation fees; first payment 5 days after enrollment.

CreditFirm.net offers professional credit repair services for $49.99 per month
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Unlimited eligible disputes with Equifax, Experian and TransUnion
• Debt validation requests, Section 609 letters and method of verification requests
• CFPB investigations and goodwill requests for eligible late payments
• An assigned personal credit consultant works your case
• Online client portal shows work completed in real time

Strengths and weaknesses

• Strength: $49.99 a month is the lowest full-service price on this list
• Strength: No setup, consultation, per-deletion or cancellation fees
• Strength: First payment is deferred 5 days after enrollment
• Weakness: No refund policy published on the pricing page
• Weakness: No couples or flat-rate option
• Weakness: Credit reports and scores are not listed as included

Key facts

• Price: $49.99 per month
• Setup fee: None
• Plans: One all-inclusive plan
• First charge: 5 days after enrollment

Where it ranks

Credit Firm is No. 3 in our Best Credit Repair Companies verdict.