Reply from CreditFirm.netJul 2, 2025
Thank you for taking the time to share your experience with us. We genuinely value your feedback, and we’re sorry to hear that your expectations were not fully met.
It’s important to us that you understand how the credit repair process works and what credit repair companies are legally allowed to do. Credit repair companies cannot unilaterally remove negative items from your credit reports. Derogatory information can only be removed if it is found to be inaccurate, incomplete, not legally compliant, or if it ages off (typically after 7 years from the original delinquency date).
Our role is to initiate formal investigations into the accuracy and compliance of the information being reported on your credit accounts, such as balances, payment history, account status, dates, and more. We request documentation to validate these details. If an account is found to have errors or legal inconsistencies, it may be corrected or removed. However, if the information is verified as accurate and compliant, it must legally remain on your credit report until it expires naturally.
Because of this, we cannot guarantee specific outcomes or timelines for item removal.
Regarding your case, you enrolled in our service on April 24, 2025. That same day, we processed your file, initiated disputes and validation requests with the credit bureaus and data furnishers.
Unfortunately, in the following month, a new $600 collection account from Paragon Revenue was reported to your credit file, which contributed to a drop in your credit scores. We immediately began working to dispute and validate this new account.
At the same time, the credit bureaus verified seven accounts as accurate. We responded by submitting a method of verification request to challenge the validity of that outcome.
Shortly thereafter, the U.S. Department of Education reported a 90-day delinquency on your student loan, which caused your scores to decline further. We advised you to contact your servicer to request deferment or forbearance, and we also submitted disputes related to this new delinquency.
The current round of investigations is still active and should be completed within the next few weeks.
We’re sorry if you felt that our communication didn’t meet your expectations. In the two months and four days you were enrolled with us, our team responded to all 10 emails you sent, providing the best information available at each stage of the process.
Please understand that credit repair is a structured process, and timelines are governed by federal law:
• 30–45 days for credit bureau disputes
• 30 days for debt validation
• 15 days for method of verification requests
• 30 days for 609 requests
• 15–60 days for CFPB investigations
• 15 days for permissible purpose verification
• etc...
These timelines are outside our control, but we always aim to move efficiently within the process.
We truly regret that your experience did not meet your expectations. Your feedback is valuable, and we will use it to improve our communication and service. Thank you again for giving us the opportunity to work on your behalf.
