Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up with creditfirm.net a few months ago. Recently I have been reaching out with no response. I went on the portal today to let them know. I have had 3 payments deducted out of my account and no changes have been made on my credit report. I worked with ****************** years ago. They helped me get my credit clean and buy a house. I went with credit firm because in 2019 I had late payments reported on my house. I also had a repo. Nothing major so I figured creditfirm could help me for $10.00 cheaper. You get what you pay for. Today I went online to ask that my account be cancelled. All of my notes I sent them have been deleted except for the 1st one I sent in February and now I cant even send them a note. I think they should reimburse me the payment they took out this past week and cancel my account immediately. I wish they could have helped me vs scamming me. I didnt want to have to report them. There was no other option. I think its one person running everyones account *******.

  Business Response

  Date: 03/20/2024

  Hi ******,
  
  My apologies for the communications issue, we have been having an issue with the notes section in the portal but, everything should be up and running now.
  
  In the 2 months that you have been enrolled with our services, the following changes have taken place;
  
  Equifax removed 5 late payments from the Amerihome Mortgage account (2 x ****** lates and 3 x 60-day lates)
  Experian removed 5 late payments from the Amerihome Mortgage account (3 x ****** lates and 2 x 60-day lates)
  TransUnion removed 6 late payments from the Amerihome Mortgage account (3 x ****** lates and 3 x 60-day lates)
  
  Equifax removed all late payment information from the payment history of the **** USA account but, the payment status still shows "30-days late".
  Experian removed all late payment information from the **** USA account. The account is now reporting as never late on your Experian credit report.
  
  Unfortunately, your credit scores did not increase much due to ******************* reporting 2 new late payments to all 3 credit bureaus and currently reporting that you are 180-days past due on the account. 
  
  The remaining accounts which include *********** Auto, ****************, and 3 accounts reported by JPMCB have verified the accuracy of the account information with the credit bureaus. We are currently waiting on the method of verification and section 609 documents that we requested for the second round of investigations.
  
  I will email you copies of your updated credit reports from all 3 credit bureaus for your records. 
  
  Per your request, I have processed a refund for the last payment, please find the confirmation below;
  
  Refund Confirmation
  Transaction *********** has been successfully ACCEPTED by the system.
  Below is a summary:
  Refund ID: ***********
  Refund Method: XXXX7513
  Refund Amount: USD (49.99)
  Customer Name: *******************************