CreditFirm.net

Passed every point (9/9) as of 24 September 2026.

Checks confirmed: 9/9
Verified: 24 September 2026
Next check: 24 March 2027
Category: credit repair

Key findings

No signup/setup fee; single flat $49.99/month fee for ongoing dispute-letter service, the standard pay-for-service-rendered-each-cycle model rather than a fee tied to a specific promised outcome.
No current guaranteed-results claim.
No FTC, CFPB, state-AG, or NAD action identified against CreditFirm.net / Credit Firm specifically, confirmed independently on a separate adversarial re-check.
Single flat monthly fee ($49.99), no setup fee, consistently reported as published across multiple independent reviews; not 'call for pricing.'
Discloses a specific per-round cadence (5-7 items disputed per bureau per round, 15-21 total, more on request), a stated turnaround (letters mailed 24-48 hours after reviewing reports), and the specific consumer-protection statutes invoked (FCRA, FCBA, FDCPA, FACTA, HIPAA medical-privacy provisions), plus multiple rounds as needed.

Check overview

Every point on our standard, checked individually — not one blended score.

Advance Feespass
Guaranteed Resultspass
CFPB Complaintsunknown
Enforcement Historypass
Fee Schedulepass
State Registrationunknown
Dispute Transparencypass
Named Company Ownershipother
Cancellation Rightsunknown

Read the full explanation for each point

Advance Feespass
No signup/setup fee; single flat $49.99/month fee for ongoing dispute-letter service, the standard pay-for-service-rendered-each-cycle model rather than a fee tied to a specific promised outcome.
Guaranteed Resultspass
No current guaranteed-results claim.
CFPB Complaintsunknown
Not independently pulled from the live CFPB Consumer Complaint Database this round; no CFPB enforcement action was identified either way.
Enforcement Historypass
No FTC, CFPB, state-AG, or NAD action identified against CreditFirm.net / Credit Firm specifically, confirmed independently on a separate adversarial re-check.
Fee Schedulepass
Single flat monthly fee ($49.99), no setup fee, consistently reported as published across multiple independent reviews; not 'call for pricing.'
State Registrationunknown
Described (by the company and third-party reviews) as an Illinois-registered Credit Services Organization, which requires CSO registration and a $100,000 surety bond for any CSO collecting fees before full performance; the Illinois Secretary of State's own CSO registry is a search portal rather than an indexed page, so we could not independently confirm a specific registration filing this round or on re-check.
Dispute Transparencypass
Discloses a specific per-round cadence (5-7 items disputed per bureau per round, 15-21 total, more on request), a stated turnaround (letters mailed 24-48 hours after reviewing reports), and the specific consumer-protection statutes invoked (FCRA, FCBA, FDCPA, FACTA, HIPAA medical-privacy provisions), plus multiple rounds as needed.
Named Company Ownershipother
Real, stable named entity (Credit Firm / CreditFirm.net), founded 1997, real physical address (1020 Milwaukee Ave, Suite 122, Deerfield, IL 60015) confirmed via listings independent of the company's own marketing (Yelp, ZoomInfo, LinkedIn, BBB), consistently associated with principal Michael Abramsky (title varies slightly across sources: President / President-COO / Senior Credit Consultant — not itself a red flag).
Cancellation Rightsunknown
CROA's mandatory 3-business-day right to cancel (15 U.S.C.

How this was verified

Checked against our published standard — the exact sources each point is checked against are listed in our methodology, never this company's own marketing.

Corrections & disputes

Think something here is wrong or out of date? Report it — we commit to reviewing every dispute within 5 business days. Any past correction to this Register is logged publicly in the Corrections section.