CreditFirm Review (2022 Update): Everything You Wanted To Know!

Scam Risk is here to help you protect yourself and fight back

Updated: November 13

By: Scam Risk - Expert Reviewer

Credit Repair Company Review

As a result of their poor credit histories, millions of Americans continue to be denied access to affordable credit and charged high-interest rates when they find a loan or credit card.

Good news: your credit score is within your reach. Some people attempt to get negative information removed from their credit reports on their own, while others hire a professional.

Credit Firm claims to be one of the most reputable credit repair companies. Keep reading to learn how CreditFirm can help you with your credit reports and credit scores.

This CreditFirm Review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • Budget Friendly
  • Offers Free Consultation
  • Extensive Credit Services
The Good

Cons: What I Didn't Like

  • Incomplete Services Details
  • Subjective Refund Policy
  • No Website Information
The Bad

You probably discovered CreditFirm for the same reason you might have come across any other financial newsletter, credit repair program, or investment program:

Because you want more money in less time.

And chances are, you want to quickly multiply the money you do have (as opposed to waiting months or even years to see a decent ROI).

This is a really exciting promise, and it’s probably why the financial publishing and training industry is worth billions of dollars.

The problem is because the idea of doubling, tripling, or 10X-ing your money in a few minutes to a few days is so enticing, there are a ton of shady characters in this space.

But, putting that aside, let’s say every investing guru and “trading expert” on the internet had the best of intentions.

Even with proprietary algorithms, a room full of supercomputers, and a team of rocket scientists, most of these experts would be lucky to get it right 20% of the time.

Now sure, we’re talking about asymmetric bets here, so theoretically the winners should more than makeup for the losers.

But in order to make that happen, you can NEVER miss a trade. With a 20% success rate (speaking optimistically), one missed winner could turn a profitable month into a loser.

That’s a lot of pressure and a lot of stress (not to mention a lot of losing) with not much certainty.

But what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Constantly monitoring your phone for buy/sell alerts
  • Obsessively watching charts and movement
  • The emotional roller coaster and angst of hoping one winner can cover the last 8 losses
  • Gambler’s odds (20% chance of success is worse than the odds of winning at Blackjack)

An income stream that brings in consistent revenues every single month (from a couple of thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day monitoring charts, trades, and alerts?


If that sounds like something you’d be interested in, check out Digital Real Estate. 

However, if you’d still like to know more about CreditFirm, keep reading.

What Is Credit Firm?

Credit Reporting Agencies

CreditFirm.Net is an Illinois-based credit repair company. Since its founding in 1997, the organization has provided consumers in all fifty states with credit repair services.

Like other credit repair agencies, Credit Firm works with customers to credit bureau disputes in inaccurate negative information, including bankruptcies, collections, charge-offs, and late payments that appear on their credit reports.

Over time, credit repair service has expanded its clientele to include realtors, banks, lawyers, car lots, and more.

Who Created Credit Firm?

Dennis Hubbard

Dennis Hubbard is the go-to guy when it comes to consumer law and credit repair.

He’s a savvy businessman with a heart for helping people. He understands just what button to press to help his customers succeed.

He spearheaded Credit Firm Inc. and the CFI Life plan as president and CEO.

For more than two decades, customers have been able to count on Dennis for sound guidance on all matters pertaining to:

  • Credit Scoring
  • Credit Monitoring
  • Credit Restoration
  • Credit Education
  • Money Management (and other credit repair services)

His legal team has become the most successful in the country because of their dedication to protecting consumer’s rights, credit repair process, raising their FICO ratings, and finding eligible purchasers for his affiliates in payment sectors.

Dennis has established a worldwide network of local offices under the Credit Firm Inc umbrella, all dedicated to helping people improve their credit scores and learn more about financial responsibility.

He has earned the title of “Credit Coach” and “FICO Credit Expert” from the Fair Isaac Corporation.

He also serves at the National Association of Credit Services Organizations (NACSO), the business group representing the Credit Repair sector.

How Can Credit Repair Firm Help You?

Improve Your Credit History And Credit Scores

This credit repair service includes free consultation, agreements with debt collectors to settle for a reduced amount, consolidation of existing loans, and help with filing taxes.

Clients may also count on the organization to help them get ready to house and car loans., like most credit repair companies, offers a free credit consultation.

Here are some credit repair services available on

  • Goodwill Requests
  • Debt Validation
  • Permissible Purpose Verification
  • MOV Requests
  • Personal Credit Consultant
  • Issues About Credit Report, Credit Score, & Credit History

How Much Does Credit Firm Cost?

How Much Does Credit Firm Cost

Credit Firm professional credit repair service does not have any initial fee, so you only need to pay for a monthly service worth $49.99.

However, they don’t offer any money-back guarantee or refund policy.

You can find more information about his services in credit bureaus like Experian, Equifax, and TransUnion.

What Are The Things You Need To Remember Before Using A Credit Firm?

You Should Know offers a wide variety of credit repair services to its customers in an effort to lower their monthly payments and raise their credit ratings.

With each client’s unique financial situation in mind, the credit repair firm formulates a strategy to put an end to debt collectors’ pestering phone calls.

Mortgage loans are a big part of the home-buying process, and helps customers get approved for them.

Compared to other credit repair companies within the credit repair industry, gives the following:

  • Unlimited Credit Bureau Challenges
  • Unlimited Goodwill Interventions
  • Unlimited Debt Validation Services
  • Unlimited Inquiry Challenges

Consumers can benefit from’s error-fixing procedure, but the service doesn’t service without its flaws.

It is easy to find information about’s prices and services on the company’s website, but less information is provided about the firm’s refund request.

We don’t have any clue whether clients have access to an app or online portal, whether clients have access to additional financial products, the typical length of time it takes to repair credit, and so forth.

Lastly, the company provides a case-by-case refund policy. customers may only obtain a refund if the company deems it important. Quite biased, right?

Is CreditFirm A Scam?

Is Credit Firm A Scam

So, is CreditFirm a scam? Not technically. You can make money with it, but it’s definitely not as easy as what they make it sound.

Again, with any kind of financial product (especially trading), you’re taking on a lot of risks.

Sure, you could hit it big and retire in Italy, but chances are you need the stomach and financial cushion to weather tons of losses before you get there…and it may never happen.

Most of the big gains numbers these companies use in their marketing (“XYZ grew by 4,112% in 3 months” or “this option made 324% in just 2 days”) are cherry-picked.

They don’t tell you about the 10 100% losers that came before.

In other words, if you invested $100 into 11 recommendations, you’d lose $1,000, and make back $324…so you’d still be out almost $700.

Most people don’t have the fortitude to stick it out through 3 straight months of losers in the hopes of landing one big winner.

What if, instead, you took those same 3 months, invested just a couple of hours a day (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

It’s a true lifestyle business.

Your laptop and an internet connection are all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To CreditFirm?

are there alternatives

Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:

What Is My Top Recommendation In Making Money From Home In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1. It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full-time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2. You Own & Control EVERYTHING: With anything in the financial markets, you own and control NOTHING. You have no say in price fluctuations, demand, or what the market will do.

Trying to beat the market is fighting against the tide. There’s just too much working against you, no matter how many supercomputers or rocket scientists are on your side.

With Digital Real Estate, you own the assets, which means you have all the power and control.


3. Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.


Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

Lance Lead Gen

4. Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple of keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with any kind of trading or investing, you’d have to double your initial capital OR double the average order size of your existing trades. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5. Make Money Helping Real People: This part is what makes it all worth it. In the financial markets, you might be helping your family, but the impact never goes beyond you and maybe a few others.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like CreditFirm which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

ScamRisk's #1 Online
Business Recommendation:
You know deep down what you're meant for. Now they will show you how to go get it.
We will be happy to hear your thoughts

Leave a reply

Scam Risk