Reviews for Credit Firm are mixed: many customers report clear, measurable removals and improved credit scores within weeks to months, while a notable group describes slow progress, poor communication, and ongoing charges without results. If you consider this service, review the contract for dispute rounds, cancellation terms, and billing policies before signing up. Ask specifically how disputes are documented, how often you will receive updates, and whether a portal or case manager will be available to track progress. Compare written guarantees and timelines to other options (self-dispute, alternative firms, or legal services) and keep records of all correspondence to assess performance over time.
Examples from available reviews (May 2023 – Feb 2026).
Reviewer reports poor communication and unresponsive service causing frustration.
“lack of communication from this company is horrible”
Low-cost service disputed many accounts quickly, outperforming Lexington Law.
“Credit Firm removed more accounts in 2 months than Lexington Law did in the 6 months I was with them.”
Customer saw quick action, improved scores, and responsive communication.
“So far, I appreciate the responsiveness and quick action from the team.”
Service fizzled out after initial disputes and had no communication.
“10 months without a single point increase.”
Reviews show uneven service: several users report fast dispute actions and account removals, while others describe slow, stopped, or inconsistent work and unmet promises.
Many reviewers question value: some cite low monthly costs and good results, but a larger share reports ongoing charges with little to no measurable credit improvement.
Few reviews mention the platform or process; reported issues include unclear portal updates and difficulty reaching counselors, while one review noted routine notifications.
Most reviewers describe concrete removals and improved scores, though a minority report no meaningful progress or limited dispute outcomes after months of service.
Communication receives frequent criticism: many users report unreturned calls, delayed responses, and vague updates; a smaller set describes prompt, personalized replies.
Overall experiences are divided: numerous customers report significant account removals and score gains, while many others describe poor follow-up, slow progress, and dissatisfaction.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (26) · bbb.org (2) · Quotes shortened · As of: February 2026
Company removed accounts other services couldn't, improving credit in months.
“They actually got the 3 accounts I have been working on for 2 years removed after 3 months.”
Removed late payments and collections within four months, good value.
“Got all the late payments off my 11 Navient loans and 2 collections removed so far.”
Service did little work without customer prompting and rarely updated.
“The most useless service I have ever seen.”
Reviewer cannot cancel and reports no replies while still being billed.
“I have tried for 2 months to cancel my acct. My emails get no replies”
Reviewer says company stole their money and did nothing.
“Fraudulent company happily steals your money and does absolutely nothing”
Company promised results but was unresponsive and delivered nothing.
“They promised results and delivered nothing.”
Customer saw quick action, improved scores, and responsive communication.
“So far, I appreciate the responsiveness and quick action from the team.”
Reviewer calls the company a scam and criticizes slow service.
“This place is a scam that will take years and years of paying them monthly to fix your credit.”
Referrer reports clients' scores improved and fewer collections.
“Clients are coming back with higher credit scores, fewer collections, charge offs, etc...and much more ready for a mortgage.”
Reviewer reports poor communication and unresponsive service causing frustration.
“lack of communication from this company is horrible”
Signed up and saw four accounts removed and scores over 640.
“Absolutely wonderful, I signed up on July 15th 2024 and have already seen 4 accounts removed and my scores are all up over 640 already.”
After signing up, their scores improved and eviction collection removed.
“they even got the eviction collection off my reports”
Reviewer says company did nothing and kept charging despite lack of contact.
“They haven't done a damn thing including call me back.”
After three months, reviewer saw no credit improvement and no bureau responses.
“There has been absolutely no improvement in my credit score.”
Company removed fraudulent accounts within three months after identity theft.
“What I couldn't accomplish for 18 months took them 3 months to do”
Repeat customer saw medical bills removed and improved scores.
“My scores are a lot better now and the medical bills are all gone.”
Signed up and had 17 accounts removed with improving scores.
“I had 17 accounts removed so far and my scores are starting to go up.”
Service fizzled out after initial disputes and had no communication.
“10 months without a single point increase.”
Low-cost service disputed many accounts quickly, outperforming Lexington Law.
“Credit Firm removed more accounts in 2 months than Lexington Law did in the 6 months I was with them.”
One week in and reviewer already received account removal notifications.
“I'm already starting to receive notifications from Experian that accounts are being removed.”
Paid service handled disputes and removed debt, improving scores.
“Credit Firm did all the work for me and removed a bunch of debt from my reports.”
Reviewer reports much better scores after using Credit Firm.
“My scores are so much better! Thanks credit firm!!!”
Three weeks in, multiple collections removed across bureaus.
“3 weeks in and so far 2 collections have been removed from my trans union report, 1 from equifax, and 2 from experian.”
Credit Firm removed 27 medical collections from Experian report.
“Just had 27 medical collections come off my experian report.”
Reviewer says company charges customers while providing no service.
“Not getting any call, just charging you. Money trap.”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarized without changing the content of reviews.
Credit Firm is a credit repair company that assists consumers with disputing negative items on credit reports and pursuing removals with credit bureaus and collection agencies. Credit repair providers commonly work via monthly service plans, send dispute letters on clients’ behalf, and offer online portals or case managers to track progress. When researching Credit Firm, consumers typically evaluate dispute outcomes, communication responsiveness, billing terms, and documented removals or score changes.