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Pyramid Credit Repair Review

Saturday, August 20th

2022 Credit Repair Company Reviews

Pyramid Credit Repair Review 2 Star Rating

Pyramid Credit Repair

2 Star Rating
  • Free initial assessment
  • $119 or $198 per month, no enrollment fee
  • 15-20% discount for teachers and veterans/active duty military
  • 90-day money-back guarantee

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.

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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

  • $119/month for an individual
  • $198/month for a couple
  • No enrollment fee

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.

Which Credit Repair Service is the Best?

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.

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Credit Repair Company FAQ

Credit repair is just like it sounds: a process by which your credit history and score are improved. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies.
That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case.
Credit repair services typically charge a one-time setup fee and monthly service fees. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. You might get a discount if you sign up as a couple, or if you're a current or former member of the military.
Most of the actions taken on your behalf by a credit repair service can be done on your own. But, how much time do you have? Are you typically available to make calls during business hours? Hiring a credit repair provider can save you a significant amount of time and hassle. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively.
The first step with any credit repair service will likely involve a thorough review of your credit report. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services.
Most services state that you'll see negative items removed from your credit history within the first 90 days. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances.
Sometimes. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. Other providers actually specify a minimum credit score improvement. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member.
Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. On the other hand, there are companies that don't deliver what they promise. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness.
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Continued from above...

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:

  • Services provided. What is included in your monthly fee? Will you get a certain number of challenges and disputes or is it unlimited? Is credit monitoring included? Will you get coaching on managing your finances going forward, so that you can avoid needing credit repair down the road?
  • Fees. What will you pay for the services you receive? Is it month-to-month or a one-off cost? Is there an initial work fee or setup cost? Also, many services expect that you will have a credit report in hand at the time of your first consultation; some include that with your fees, while others charge you for it. Be aware that you can request your credit report once per year for free: the CFPB recommends using AnnualCreditReport.com to get yours from all three of the major credit bureaus at no cost.
  • Results. The best credit repair services tell you what to expect and how quickly. It can take a month or two before your credit score changes, even if your provider is working diligently behind the scenes on your behalf.
  • Reputation. The Better Business Bureau isn't a big fan of the credit repair industry, so it's not uncommon to see reputable providers with a less-than-stellar BBB grade. Rely on client feedback to paint a clearer picture instead. Do customers say the credit repair service was effective? Was it worth the money they paid? Did their assigned reps update them regularly with the progress made on their credit reports?

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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