Get a complete review of your 3 Score Credit Report Summary and New Score Guarantee with a Credit Repair Consultation.
To be "Loan Ready", get a complete review of your 3 Score Credit Report Summary and New Score Guarantee with a credit repair consultation.
"He lifted me out of the pit of despair, out of the mud and the mire. He set my feet on solid ground and steadied me as I walked along" (Psalm 40:2).
The mission goes beyond mere financial transactions – it's about lifting individuals out of despair and setting them up with a solid game plan to always be “Loan Ready”.
"He lifted me out of the pit of despair, out of the mud and the mire. He set my feet on solid ground and steadied me as I walked along" (Psalm 40:2).
He is the President and CEO of Credit Firm Inc and CFI Life plan. Dennis has been providing consumers with expert advice on Credit, Credit Repair, Credit Scoring, Credit Restoration, Credit Education, and Financial Management for over 24 years.
Dennis Hubbard is widely regarded as one of the leading credit experts in the country and has managed to put together the most successful legal team in America working hard to protect the rights of the consumer, improving their FICO scores, and providing qualified buyers for his affiliate partners across multiple financial industries.
With Credit Firm Inc local offices nationwide, Dennis has built a business which is focused on Credit Improvement and Credit Education for consumers.
He is a Certified FICO Credit Expert and Credit Coach. He is also currently serves NACSO (National Association of Credit Services Organizations), the trade association for the Credit Repair industry.
Dennis’s vast knowledge and experience make him a tremendous resource for consumers. His areas of expertise include: FICO Credit Scores, VantageScore Credit Scores, the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA), the Fair and Accurate Credit Transactions Act (FACTA), the Credit Card Accountability Responsibility and Disclosure Act (CARD), plus the Health Insurance Portability and Accountability Act (HIPPA).
Dennis is also a nationally sought-after speaker who is routinely featured at Educational Seminars for Attorneys, Banks, Mortgage Loan Officers, Realtors, and consumers where he informatively speaks on the complex subjects of Credit Reporting and Credit Scoring.
Dennis soon realized that business owners were not alone in trying to improve their Personal Credit and he decided to create companies designed to help individuals with their Personal Credit Restoration needs as well.
At this time, he founded Credit Firm Inc, a company whose mission would be to help the consumers who so desperately needed help improving their Personal Credit profiles in order to secure Better Rates and Lower Payments on Mortgages, Auto Loans, Insurance Premiums, Student Loans, and other types of Personal Financing.
The ability to compassionately listen, consult, and take action for his customers over the previous 2 decades has set Dennis apart and made him a recognized leader within the Credit Repair industry. His true passion is helping his customers to achieve their goals of Better Credit, obtain a Home, purchase a New Vehicle, and Lower their Interest Rates.
He has and will continue to share his experience and expertise in the hope of encouraging others to achieve their own vision of the American Dream.
What comes with the credit consultation?
We offer a Consultation to determine what you need. We develop a plan of action specific to your situation and goals. Ingredients are carefully selected to compose the exact recipe for your success. These ingredients are: education, counseling, credit score enhancement, goal oriented timeline.
What will Credit Firm Inc. teach me that will be helpful in future years?
Learn it by Living it! Most of what you learn will be from what actually happens to your financial stability and credit worthiness. You will live and learn through your custom plan of action. The counseling, education, and credit score enhancement techniques are tried and proven. This process will become second nature and help you make sound money decisions instinctively.
Can Credit Firm Inc. stop the harassing phone calls and threatening bill collection letters?!
Make Bill Collectors Stop!Yes! We can start an instant process that makes it illegal for the bill collectors to ever bother you, your family, co-workers, and or friends about your debt. All contact will stop.
What credit scores do I need, in order to get a house loan?
House scores and much more.
Several factors are considered concerning the applicants credit worthiness to receive a house loan. Employment history, Debt to income ratio, and credit scores are the largest factors. Currently most institutions are requiring a 620-650 “middle-score”. Our counseling and education services are tailored to help you qualify for your dream home once your scores are ready.
Zero Money Down House LoansYes! We work closely and are the recommended credit service organization for these loans locally. We can put you in touch with the mortgage company who offers these house loans.
I CAN’T afford to pay old bills!No! We know the laws and codes that protect you. We exercise your consumer rights to get erroneous, incomplete, obsolete, and inaccurate lines deleted from your three credit reports. When the bad credit goes away, the scores go up.
Bad credit stays away!No, not legally. If an entry is legally removed, it cannot be legally re-entered! All our credit score enhancement efforts are within the law. We know your consumer rights, and we exercise them on your behalf.
Good Credit in 8 months or sooner!Our clients contract with us in most cases for 8 months. During that period, we council, educate, and work to enhance their credit scores. Each client receives a written money back guarantee required by law. We take your financial success very seriously; our track record of success speaks volumes.
What is Step ONE?
We work by appointment only to ensure each client gets our full attention while developing their custom “Plan of Action”. The consultation is low cost and carries no obligation. We want and insist that each client makes wise and informed decisions about our services and guarantee.
We do it by the book!
Yes! We are registered as a professional Credit Service Organization which also required a State approved Surety Bond. We comply with all state and federal laws while working for your financial goals
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