Welcome to Credit Firm Inc.
Raise Your FICO Scores Fast!
The Proven FICO Credit Repair Methods to Quickly Acquire Any Type of Loan!
Get a complete review of your 3 Score Credit Report Summary and New Score Guarantee with a Credit Repair Consultation.
20,000+
Happy Clients
15+
Years in Business
400k+
Deletions
1000+
New Home Buyers
Welcome to Credit Firm Inc.
RAISE YOUR FICO CREDIT SCORES FAST!
The Proven FICO Credit Repair Methods to Quickly Acquire Any Type of Loan!
To be "Loan Ready", get a complete review of your 3 Score Credit Report Summary and New Score Guarantee with a credit repair consultation.
20,000+
Happy Clients
15+
Years In Business
400,000+
Deletions
1000+
New Home Howners
Everything We Do Is...
Through the Lens of the FICO Classic Credit Scores
In the tumultuous world of consumer credit, Dennis Hubbard, a FICO Credit Expert and Owner of Credit Firm Inc, has dared to challenge the MASS CONFUSION AND WRONG INFORMATION concerning consumer scores. Armed with a commitment to consumers and a keen insight into the intricacies of the FICO algorithm, Dennis set out to revolutionize the industry.
Credit Firm Inc. is #1 in America for credit simulations, rapid re-scores, credit evaluations, the only company that guarantees a Score, and "Voted Best of Best" for creating Home Buyers!
"90% of Lenders use the FICO CLASSIC SCORE to determine approvals and NOT FICO 8 or Vantage Scores that consumers can only see"- Dennis Hubbard
We understand that true financial freedom lies in mastering the nuances of FICO classic credit scores. While consumer scores might paint a rosy picture, it's the FICO Classic scores that lenders use to make critical decisions.
Through meticulous attention to detail and a relentless pursuit of excellence, Credit Firm Inc. has become synonymous with results. We strategically settle accounts, optimize credit scores, and guide families towards their dreams of homeownership. But Credit Firm Inc. isn't just about numbers and algorithms; it's about people.
Dennis made a bold declaration: "Everything we do is through the lens of the FICO algorithm." This guiding principle shapes every aspect of our work. While others rely on outdated methods, we go deep into the heart of the real credit scoring system that lenders use.
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”.
Our Mission Scripture:
"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).
Everything We Do Is...
Through the Lens of the FICO Classic Credit Scores
In the tumultuous world of consumer credit, Dennis Hubbard, a FICO Credit Expert and Owner of Credit Firm Inc, has dared to challenge the MASS CONFUSION & WRONG INFORMATION concerning consumer scores. Armed with a commitment to consumers and a keen insight into the intricacies of the FICO algorithm, Dennis set out to revolutionize the industry.
Credit Firm Inc. is #1 in America for credit simulations, rapid re-scores, credit evaluations, the only company that guarantees a Score, and "Voted Best of Best" for creating Home Buyers!
At Credit Firm Inc., Dennis made a bold declaration: "Everything we do is through the lens of the FICO algorithm." This guiding principle shapes every aspect of our work. While others rely on outdated methods, we go deep into the heart of the credit scoring system.
"90% of Lenders use the FICO CLASSIC SCORE to determine approvals
and NOT FICO 8 or Vantage Scores that consumers can only see"
- Dennis Hubbard
We understand that true financial freedom lies in mastering the nuances of FICO classic credit scores. While consumer scores might paint a rosy picture, it's the FICO Classic scores that lenders use to make critical decisions.
We strategically settle accounts, optimize credit scores, and guide families towards their dreams of homeownership. But Credit Firm Inc. isn't just about numbers and algorithms; it's about people.
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”.
Our Mission Scripture:
"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).
Why Use CFI
What Makes Credit Firm Inc Different?
👉 We Speak Fluent FICO–we understand the complex scoring system and have the software to simulate the appropriate actions.
👉 You’ll receive a face to face consultation, not a sales presentation.
👉 We help add the right kind of positive credit.
👉 Carefully establish what accounts to settle if ever.
👉 We use many methods in getting derogatory credit removed.
Rapid Re-score.
👉 We can update a file and change a credit score in as little as 24 hours. And we do it all of the time.
👉 We guarantee a credit score!
What we do
Services that are right for you
PERSONAL CREDIT COACHING
Coaching and educating is a very important part of our credit repair process. We absolutely make a point to educate our clients on the very complicated scoring process.
Re-Establishing New Credit
We specialize in determining the right kind of positive credit to add. We will test your score results with our advanced simulators in order to assure a positive impact custom to your goals.
DONE-FOR-YOU: FULL CREDIT RESTORATION
We guarantee a credit score! Before a customer ever hires us to use our services they are given a minimum guaranteed score and timeline.
CONSULTATION & CUSTOM PLAN OF ACTION
We develop a plan of action specific to your situation and goals. Ingredients such as education, counseling, credit score enhancement, goal and timelines are carefully selected.
DEBT SETTLEMENT
Our debt settlement services starts with determining specifically what accounts to consider settling and which ones to ignore. This is one of the most common mistakes we see consumers make.
GETTING YOU "LOAN READY"
We have the proven formula and concentrate on changes that will move your credit score in the right direction, based on the FICO classic version used by 90% of lenders.
Why Use CFI
What Makes Us Different?
👉 We Speak Fluent FICO–we understand the complex scoring system and have the software to simulate the appropriate actions.
👉 You’ll receive a face to face consultation, not a sales presentation.
👉 We help add the right kind of positive credit.
👉 Carefully establish what accounts to settle if ever.
👉 We use many methods in getting derogatory credit removed.
Rapid Re-score.
👉 We can update a file and change a credit score in as little as 24 hours. And we do it all of the time.
👉 We guarantee a credit score!
What we do
Services that are right for you
CREDIT COACHING
Coaching and educating is a very important part of our credit repair process. We absolutely make a point to educate our clients on the very complicated scoring process.
DONE-FOR-YOU: FULL CREDIT RESTORATION
We guarantee a credit score! Before a customer ever hires us to use our services they are given a minimum guaranteed score and timeline.
DEBT SETTLEMENTS
Our debt settlement services starts with determining specifically what accounts to consider settling and which ones to ignore. This is one of the most common mistakes we see consumers make.
FINANCIAL CONSULTATION
We specialize in determining the right kind of positive credit to add. We will test your score results with our advanced simulators in order to assure a positive impact custom to your goals..
CONSULTATION & CUSTOM PLAN OF ACTIONS
We develop a plan of action specific to your situation and goals. Ingredients such as education, counseling, credit score enhancement, goal and timelines are carefully selected.
GETTING YOU "LOAN READY"
We have the proven formula and concentrate on changes that will move your credit score in the right direction, based on the FICO classic version used by 90% of lenders.
Get your FREE online credit
evaluation now
Speak with a Certified Credit Specialist of Credit Firm Inc Today!
Get your FREE online credit evaluation now
Speak with a Certified Credit Specialist of Credit Firm Inc Today!
Staff
Our Team
Staff
Our Team
MEET THE FOUNDER, DENNIS HUBBARD
Dennis Hubbard, the absolute authority on consumer law & credit repair, is an experienced entrepreneur with a drive to help others, and he knows how to push the right buttons for his clients to get the results they need.
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.
More About Dennis
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 client say about us
Frequently Asked Question
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.
Are there really ZERO DOWN HOUSE LOANS?
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.
Do I have to pay-off old debt entries on my credit report in order to raise my score?
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.
After old negative items leave my credit file, do they return at a later date?
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.
How long does this process take?
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.
How do I get started?
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.
Is Credit Firm Inc a legally operating entity?
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
Get your FREE online credit evaluation now
Speak with a Certified Credit Specialist of Credit Firm Inc Today!
Credit Firm Inc. is a group of certified credit consultants and credit law specialists. We understand credit and credit scores as well as the strict requirements of lending institutions.
Quick Links
About Us
Services
Contact Us
Contact Us
432-599-4880
Email Will Be Sent Upon Submission
Ask About Our Multiple Locations
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Get your FREE online credit evaluation now
Talk with a Certified Credit Specialist Today!
Credit Firm Inc. is a group of certified credit consultants and credit law specialists. We understand credit and credit scores as well as the strict requirements of lending institutions.
Quick Links
About Us
Services
Contact Us
Contact Us
432-599-4880
Receive Company Email
Ask About Our Many Locations
