Credit Firm Inc.

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Credit Firm Inc. Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Credit Firm Inc., Credit Counseling Service, 3601 N Grimes Street, Hobbs, NM.

11/09/2026

🏡 Welcome home, Lindsay! 🔑
Congratulations to Lindsay on her brand-new Betenbough home in Midland! 💚
Her goal was simple: improve her credit enough to buy a home. Her counselor Jon built the game plan: a strong authorized user to add positive history and a smart plan to pay down her cards. She was loan ready in under 3 months. When the lender found one last item before closing, our team handled it fast, and she got the keys in under 5 months! 🎉
A huge thank you to Jackeline Savino-Carmack with Betenbough Homes and Kenzie Voyles with Texas Tech Credit Union for being part of her story!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

11/05/2026

🏡 Welcome home, Cornelius! 🔑
Congratulations to Cornelius on his brand-new home in West Lubbock! 💚
He had one big dream and a ticking clock. His counselor Hulen built him a loan-ready game plan: 2 key accounts removed, a strong authorized user added, and a smart plan to pay down balances. In under two months he was loan ready, and less than three months after starting, he had the keys! 🎉
A huge thank you to Ben Vadder with Betenbough Homes and Brittany Rangel with Benchmark Mortgage for being part of his story!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

11/04/2026

🏡 Welcome home, Jennifer! 🔑
Congratulations to Jennifer on her brand-new home in South Lubbock! 💚
She came to us needing to get loan ready, fast. Her counselor Hulen built her game plan, her Equifax score jumped 126 points, and about two months later she was holding the keys, with the best interest rate possible. 🎉
A huge thank you to Robin Lehman with Betenbough Homes and Jennifer Harmonson with First Texas National Bank for being part of her story!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

11/03/2026

🏡 Welcome home, Ty! 🔑
Congratulations to Ty and his wife on their very first home together in Seymour, Missouri! 💚
They were starting with very little credit history. Our team built their loan-ready game plan, and in about two weeks Ty's scores jumped 140 points to 753 across all three bureaus. Now they're holding the keys! 🎉
A huge thank you to Serge Khokhlan with Summit Lending for being part of their story!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

11/03/2026

🚨 Think medical collections don't count anymore? That myth can cost you your mortgage approval.

In Episode 17 of Credit to Close, Dennis Hubbard breaks down where the medical collection laws really stand today:

1️⃣ Medical collections under $500 no longer report to credit
2️⃣ Pay one off and the bureaus remove the whole account, not just mark it "paid"
3️⃣ The rule to wipe ALL medical debt from credit reports is stuck in litigation, so anything over $500 still reports
4️⃣ On the FICO Classic scores mortgage lenders use, a medical collection hits like any other derogatory, and the newer it is, the bigger the hit

Before you rush to pay it, watch this. There may be a smarter way to handle it. 🎥

🏡 Getting ready to buy a home? Get help with your credit at creditfirminc.net
🤝 Loan officers, realtors and affiliate partners: partner with us at partners.creditfirminc.net

Educational content only, not legal or financial advice.

10/30/2026

🚨 The WORST move you can make before buying a home? Setting up a payment plan on a collection. It feels responsible. It can quietly wreck your mortgage approval.

In Episode 10 of Credit to Close, Dennis Hubbard explains 4 reasons payment arrangements on collections and charge-offs usually backfire:

1️⃣ You lose your leverage to settle for less
2️⃣ It does nothing for the score until the balance hits zero
3️⃣ It can update the date of last activity, and that can drop the score
4️⃣ If the new plan defaults, it can restart the clock on the debt

The smarter play, and what he recommends instead, is in the video. 🎥

🏡 Getting ready to buy a home? Get help with your credit at creditfirminc.net
🤝 Loan officers, realtors and affiliate partners: partner with us at partners.creditfirminc.net

Educational content only, not legal or financial advice.

10/29/2026

🏡 Welcome home, Kirsten! 🔑
Congratulations to our newest homeowner in Lubbock! 💚
Kirsten dreamed of a brand-new Betenbough home built from the ground up. When the lender pulled her credit, there was no score at all. Our team built her loan-ready game plan, and she went from no score to 729, 729 and 742. Today she's holding the keys! 🎉
Huge thank you to Scout Carter with Betenbough Homes and Peyton Leonard with Olive Branch Home Loans for being part of Kirsten's story!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

10/27/2026

🏡 Welcome home, Shantell & Isaac! 🔑
Congratulations to our newest first-time homeowners in Lubbock! 💚
Shantell and Isaac came to Credit Firm Inc with one dream: a home of their own. Our team built their game plan, got 3 negative items deleted, and raised Equifax 53 points and TransUnion 51 points. They stayed the course and they just closed! 🎉
Huge thank you to Sierra Simmons with Betenbough Homes for sending them our way and for being part of this family's story!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

10/23/2026

🏡 Welcome home, David & Catrina! 🔑
There's nothing like the moment a family gets the keys to their very own home, and the Davilas just did it! 💚
When they came to Credit Firm Inc, collections, charge-offs and a thin credit history were standing between them and their goal: a home by year-end. We built an aggressive dispute game plan, got 3 collections deleted and added an authorized user to build their history. They even switched houses midstream, and they stayed the course. Experian up 156 points, TransUnion up 113, and they just closed! 🎉
Huge thank you to Christine Covington with Benchmark Mortgage for trusting our team and getting them to the closing table!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

10/20/2026

🏡 From credit setbacks to keys in hand! 🔑
Congratulations to Heather Evans on her new home!
When Heather came to Credit Firm Inc, collections and charge-offs were holding her credit back. We built a game plan: key accounts settled, medical collections removed, and a strong authorized user added. There were delays and tough days, but she never quit. Her scores jumped 144 to 176 points, and today she's a homeowner. 🎉
Huge thank you to Lee Ann Denis with PrimeLending, Heather's childhood best friend, for trusting us and getting her across the finish line!
Ready to be next? Start here 👉 www.creditfirminc.net


Results vary. Individual results are not guaranteed.

Address

3601 N Grimes Street
Hobbs, NM
88240

Telephone

+15752082394

Website

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