Many reviewers describe negative items being removed and noticeable score gains within weeks to months. Others report ongoing billing, little response, and no credit improvement. The feedback splits between clear dispute wins and complaints about service follow-through and charges.
Examples from available reviews (May 2023 – Mar 2026).
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.”
Credit Firm removed 27 medical collections from Experian report.
“Just had 27 medical collections come off my experian report.”
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”
Several reviews describe disputes that led to removed collections, evictions, and fraudulent tradelines. Some customers also report clear score gains after accounts came off their reports. A smaller group says nothing improved and that months passed without bureau responses.
Some reviewers say the service paid off, citing removed late payments and collections and results they felt beat other providers. Others describe continued charges with little to show for it and call the service a money trap. Perceived value largely follows whether results appeared.
Positive reviews mention fast early movement and staff who responded quickly at the start. Negative reviews include fraud allegations, repeated billing, and claims that no work was done. Reported outcomes and day-to-day communication both drive the overall experience.
Many reviewers point to specific outcomes, including removals across Experian, TransUnion, and Equifax. Several cite high counts of removals, especially medical collections and other collections. A few say activity started and then stalled, or never produced results.
Many negative reviews mention no replies, unanswered emails, and difficulty canceling. Fewer reviews describe prompt callbacks and useful updates. Complaints often tie communication gaps to billing and cancellation problems.
Reviews draw a sharp line between people who report documented removals and those who report no action alongside billing issues. High ratings center on outcomes, while low ratings focus on service and communication breakdowns.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (26) · bbb.org (2) · Quotes shortened · As of: March 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 provides credit repair services for consumers in the United States. The company drafts and sends dispute letters to the three major credit bureaus: Equifax, Experian, and TransUnion. Typical work includes challenging inaccurate tradelines, requesting debt validation, and helping fix identity-theft-related issues. The firm works one-on-one with consumers on collections, charge-offs, medical debts, and other negative credit-report items. Credit Firm manages client paperwork and files disputes to pursue corrections on credit reports.