Credit Firm

What Credit Firm does

Credit Firm Inc. is a privately held credit repair and restoration services company founded in 2009 by Dennis Hubbard and headquartered in Midland, Texas. The company serves individual consumers with damaged or subprime credit profiles, with primary use cases centered on qualifying for mortgages, auto loans, and other consumer financing; secondary segments include bankruptcy and divorce recovery and security clearance applicants. Its core offerings comprise Personal Credit Coaching, Credit Repair Services (disputes, validations, credit card repayment plans), Debt Settlement guidance, and Re-establishing New Credit, typically delivered under an 8-month service contract with a CROA-required written money-back guarantee. The company operates 13 physical offices across Texas (9 cities including Austin, Midland, Odessa, Abilene, Amarillo, Lubbock, San Angelo, Tyler, and Waco), New Mexico (Hobbs, Roswell, Las Cruces), and North Carolina (Charlotte), with headquarters support from approximately 12-13 staff.

The company's underlying technology stack centers on a proprietary Credit Score Simulator that models FICO score outcomes before actions are taken, a Rapid Re-score workflow that updates credit bureau files within 24 hours through direct bureau channels, and procedural expertise in the EOSCAR electronic dispute processing system. Credit Firm generates revenue through three streams: low-cost initial consultations (pay-as-you-go), recurring 8-month service contracts, and affiliate referral fees from mortgage lenders, real estate agents, auto dealerships, insurance agents, and attorneys who refer credit-challenged consumers. Its go-to-market is sales-led and consultation-driven, supplemented by an affiliate referral network and content marketing through an extensive educational blog authored primarily by CEO Dennis Hubbard. The firm is family-owned, with Hubbard family members in operational roles, and operates without external capital, institutional investors, or app-based digital distribution.

Name

Credit Firm

Legal name

Credit Firm Inc.

Website

https://creditfirminc.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Firm Inc. is a privately held credit repair and restoration services firm operating 13 offices across Texas, New Mexico, and North Carolina. It serves individual consumers seeking to improve credit scores for mortgage qualification, auto financing, and financial recovery through FICO-based dispute processing, credit coaching, and debt settlement.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit repair services
• Credit score improvement
• Debt settlement solutions
• Personal credit coaching
• FICO score consulting

Headquarters

HQ city

Midland

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Credit Repair Consultation Services: Low-cost consultation fees for initial credit report review and assessment. Consultations are described as carrying no obligation before hiring for ongoing services.
2. Credit Repair Services: Ongoing credit repair services following consultation, with a typical 8-month contract period. Customers receive a written money-back guarantee as required by law.
3. Affiliate Referral Fees: Referral partnerships with mortgage lenders, real estate agents, auto dealerships, and other financial professionals who send credit-challenged customers in exchange for completed loan transactions.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

Credit Firm Inc. provides consumer credit repair and restoration services, including credit report analysis, dispute and validation processing, debt settlement guidance, and re-establishment of positive credit. Services are delivered through certified credit consultants using proprietary credit score simulation software and rapid re-score technology that updates credit files with major bureaus in as little as 24 hours.

Product overview

Credit Firm Inc. is a service-based company offering a suite of credit repair and restoration services. The core offerings include Personal Credit Coaching, Credit Repair Services, Debt Settlement, and Re-establishing New Credit. These services are delivered through a combination of certified credit consultants, credit law specialists, and proprietary credit score simulation software. The company operates from multiple physical office locations across Texas, New Mexico, and North Carolina, providing both in-person consultations and ongoing account monitoring for clients and affiliate partners.

Differentiator

Problem solved

Functional benefit

Brands

• CFI Life Plan: A company founded by Dennis Hubbard to help individuals with their Personal Credit Restoration needs.

Products and services

• Personal Credit Coaching Coaching and education service that helps individual consumers understand FICO scoring mechanics, recognize potential new collections, and implement preventative credit management practices.
• Credit Repair Services Comprehensive credit repair solution addressing disputes, validations, credit card repayment plans, and establishment of new credit for individual consumers. Includes compliance checks, debt validation, dispute removal, and rapid re-score capabilities.
• Debt Settlement Services Advisory service that helps consumers decide which derogatory accounts to settle versus ignore, taking into account timelines, debt accuracy, validation status, age of debt, creditor type, date updating practices, and state statutes of limitations.
• Re-establishing New Credit Service that helps consumers add the right kind of positive credit accounts to improve credit profiles, including guidance on optimum number of cards, optimal payment timing, balance utilization, and selection of cards offering the most benefits.
• Credit Repair Consultation Initial low-cost consultation with no obligation that provides a complete review of the consumer's credit report summary and score, followed by a custom credit action plan.

Quantifiable outcome

• Up to 75 additional points can be added through proper positive credit establishment
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Mortgage LenderscoreChannel Partner/ Reseller/ DistributorMortgage lenders refer credit-challenged customers who have been turned down for loans or need improved rates to qualify. Credit Firm provides credit repair to help customers return as qualified buyers, enabling more closings for the lender.
• Real Estate AgentscoreChannel Partner/ Reseller/ DistributorReal estate agents refer clients with credit problems who cannot qualify for mortgages. Credit Firm repairs credit so clients can return to purchase homes, increasing agent commissions and closing volumes.
• Auto DealershipscoreChannel Partner/ Reseller/ DistributorAuto dealerships refer customers needing credit improvement for vehicle financing. Credit Firm helps customers achieve credit scores that qualify them for better auto loan terms.
• Insurance AgentsminorChannel Partner/ Reseller/ DistributorInsurance agents refer customers whose credit affects their insurance premiums. Better credit scores can lead to lower insurance rates.
• AttorneyscoreChannel Partner/ Reseller/ DistributorAttorneys refer clients filing for bankruptcy or going through divorce whose credit has been damaged. Credit Firm helps these clients recover from credit damage as part of their overall financial recovery.
• NACSO (National Association of Credit Services Organizations)coreStrategic or Co-development PartnerCEO Dennis Hubbard serves on the NACSO Board, the trade association for the Credit Repair industry. This leadership position demonstrates industry expertise and provides networking opportunities within the credit services sector.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• National Credit Federation: Membership-based credit restoration firm focused on disputing unverifiable items using FCRA-litigation-backed methodology. Comparable to Credit Firm's dispute-led approach, with similar mid-market positioning for credit-challenged consumers.
• CreditRepair.com (Progrexion): National subscription-based credit repair service offering monthly memberships with dispute processing and score monitoring. Directly comparable to Credit Firm on core credit repair subscription model, though CreditRepair.com is digital-first while Credit Firm is face-to-face-led.
• The Credit People: Direct-to-consumer credit repair company with a flat-fee model and access to FICO monitoring tools. Comparable service offering and customer base to Credit Firm, with a similar mid-market positioning for credit-challenged consumers.
• Sky Blue Credit: Subscription credit repair service offering unlimited disputes across all three bureaus with a 90-day satisfaction guarantee. Closely comparable to Credit Firm on monthly subscription structure and dispute methodology, serving similar credit-challenged consumers nationwide.
• Ovation Credit Services: Credit repair company offering subscription-based disputes with online tracking and credit education resources. Comparable to Credit Firm across subscription model, customer segment, and dispute/repair methodology.
• Credit Saint: Subscription-based credit repair firm offering three tiered packages with score tracking and dedicated case advisors. Comparable product offering, target customer (subprime credit consumers), and recurring-revenue model to Credit Firm.

Broad incumbents

• Credit Karma: Free credit monitoring and educational platform owned by Intuit, serving a wide mass-market audience with scores, reports, and product recommendations. Adjacent rather than direct — competes for the same end consumer's attention on credit improvement but offers free, automated tools rather than paid consulting.
• Experian Boost: Free score-improvement product from one of the three national credit bureaus that adds utility, telecom, and streaming payment history to consumer FICO scores. Targets the same outcome (credit score increase) as Credit Firm but through self-service free tooling rather than professional service.
• Lexington Law: Largest and most established U.S. credit repair firm with a national footprint and longstanding affiliate and direct marketing channels. Compares to Credit Firm as a direct service-line competitor in credit repair, though Lexington operates at much greater scale and brand recognition.

Emerging players

• Cambridge Credit Counseling: Nonprofit credit counseling agency offering debt management plans, credit education, and counseling — overlapping with Credit Firm on credit education and coaching but operating as a nonprofit with HUD-approved housing counseling rather than paid repair services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/creditfirmincorporated
• LinkedInlinkedin.com/company/credit-firm-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Firm