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Saturday, August 20th
Pyramid Credit Repair got its start in 2011 with DIY credit repair software, expanding in 2013 to provide more hands-on help to consumers. However, we have questions about their reliability in the industry.
No-cost initial consultation
Like most credit repair companies, Pyramid offers a free initial assessment. Call to schedule an appointment to talk about your situation and see if any of their services can help you reach your financial goals.
Simple pricing
There are only two plans to choose from here: $119/month for individuals and $198 for couples. Unlike some credit repair services, Pyramid doesn't assess an enrollment or setup fee. Also, this company offers discounts ranging from 15-20% if you're a teacher, veteran, or active duty military. They say you can expect to start seeing results on your credit report within 45 days. If Pyramid isn't able to update anything on your credit report - correcting an error, removing unverifiable entries - within the first 90 days of your plan, you'll get a full refund of any fees paid thus far.
Could be more specific
Pyramid Credit Repair is pretty tight-lipped as to how, exactly, they go about improving your credit report. They say they'll give you a "customized game-plan" but don't get into the specifics. Do they just dispute items or do they try to negotiate adjustments? Good question.
Gone quiet on social media
An even better question: is Pyramid still in business? Maybe. We couldn't find a listing for Pyramid Credit Repair with the Better Business Bureau - the same as the last time we evaluated this service. All of their social media channels had no updates after late 2020/early 2021, other than announcing a new pricing schedule in early 2022. And yet, they're still answering the phones, so something is still happening here.
Where are the current reviews?
We could say the same for Pyramid's client feedback - or lack thereof. At first, we were excited to see that this credit repair company had at least 80 five-star reviews... until we saw that the most recent was back in 2019. Reviews on Facebook were newer - but unfortunately, they were all spam and encouraged us to contact a different company if we were interested in investing in crypto. Not exactly the first step you'd take to repair your credit, by the way.
Costs
A virtual office location?
Poking around in Pyramid Credit's Terms of Use, we found that this is a DBA for Credit Concierge, with a business location in a virtual office space in New York City. Does that inspire confidence that this company really has the 273 "dedicated daily" team members they brag about in their "About Us" page? We don't think so.
Won't push you to hire them
The one positive thing we can say about Pyramid Credit Repair is that among the comments from clients in 2019, it said repeatedly that they were told upfront if the service wasn't going to be right for them - that they weren't pressured into signing up for a program that wasn't in their best interests. At least there's that.
Not a credit repair service we'd choose
We have a hard time coming up with a reason why someone would choose Pyramid Credit Repair over a higher-rated service. Getting your credit fixed is important, and you need to know exactly what you're paying for and how your team will go to work for you - but you'll get none of that here.
Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report.
Unfortunately, not everyone understands what goes into a positive credit history. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt.
That's where credit repair services enter the picture. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching.
You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs.
As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Which one is the best for you? Here are a few things to keep in mind as you decide:
To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report!
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