TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.

 

Credit Assistance Network vs Pyramid Credit Repair

We recommend

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

 

CREDIT ASSISTANCE NETWORK

Credit Assistance Network is one of the few credit repair providers that offers a pay-as-you-go pricing structure. You'll make an initial payment of $179 (or $279 for a couple), which gets you access to one -on-one consultations with a certified FICO professional, debt validation/goodwill letters to creditors, cease and desist letters to collection agencies, and unlimited disputes. From there, you'll be charged for every deletion CAN is able to achieve on your account - $50 for confirmed deletions per bureau, and $70 for deletions from public records. That could add up very quickly, if you have multiple issues on your credit history.

You'll also be expected to provide your credit history to Credit Assistance Network, at your own cost; it's not included with their repair services.

Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?

Or, maybe this provider doesn't update their site very frequently: at the time of our review, their most recent blog post was nearly 5 years old. But, again, should you choose a credit repair company that doesn't stay current - with new regulations affecting consumers and their credit scores? Probably not.

In this provider's FAQ, it states, "We our experts." Typos, misinformation about a BBB rating, and expensive a la carte-type pricing are all reasons for Credit Assistance Network's low ranking among businesses offering credit repair services. You'll have a much smoother, effective experience elsewhere.

Visit Site >

PYRAMID CREDIT REPAIR

Pyramid Credit Repair established itself in 2015, with the goal of "reinventing the credit repair industry". They offer two service plans: one for individuals and another for couples, but both plans include the same features:

  • Live, dedicated dispute managers
  • Submission of dispute letters by Pyramid staff
  • Online dashboard
  • Help with obtaining credit reports

Pyramid did not blow us away with the description of their services. Who do they contact to submit disputes? How quickly do they follow up? Which types of circumstances do they help with? Most of their competitors offer lengthy lists of exactly which types of disputes they draft and what to expect from the service; Pyramid's answers were vague at best.

Their blog wasn't much better - at the time of our review, their most recent blog post was nearly 7 months prior. Does Pyramid stay on top of legislation affecting credit repair? Who knows?

In an industry like credit repair, reputation is everything when choosing which service to use. In that regard, Pyramid comes up short. To find out their track record with the BBB, we had to find them under their alternate business name, Credit Concierge Services LLC. The BBB lists that business as "NR" (No Rating) status until more data comes in; when we found that listing, there was only one review posted and it was negative. We found just over four dozen mostly-positive reviews specifically for Pyramid around the web, but in an age where we know that customer reviews can be faked (unlike what you find on TopConsumerReviews.com!), it's hard to know which ones are truthful without trusted validation like the BBB.

We also thought it was odd that Pyramid has an entire page devoted to Shipping information - for a service they advertise as all from home and online. It gives the impression that the Pyramid Credit Repair site was built on a generic business platform - and that perhaps their credit repair services are somewhat generic too.

We got even more confused when reading through the company's return and refund policy. It talks about returning software to Pyramid - but every description of the service says that it can all be accessed online. Why would they be shipping software to their customers - and would their customers install it with no clear explanation as to what it's used for?

For all of these reasons, we can't give Pyramid Credit Repair a high rating. Until they've done a better job of establishing a good reputation and a website that makes sense, we think you'll feel more secure choosing a credit repair service with a proven history of success.

Visit Site >


Best Credit Repair Companies

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Credit Assistance Network and Pyramid Credit Repair.

Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!



Choosing a Credit Repair Company

If your credit score needs some professional help here's how to search for a quality credit repair company.

Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



Credit Repair In The News

Loans for bad credit

There's also an upside to getting approved for a bad credit loan: if you pay it back on time you can repair your finances and establish a good credit profile. Having bad credit doesn't always mean tha...

Published:  Thu, 14 Feb 2019 07:06:00 GMT



Credit Advisors Council - Credit Repair Delray Beach Provides Consumers Credit Counseling Services to Help Fix Their Credit

Delray Beach, FL - Credit Advisors Council - Credit Repair Delray Beach office has credit advisors, credit consultants and credit counselors working to raise awareness about the financial impact of co...

Published:  Mon, 04 Feb 2019 10:55:00 GMT



White Jacobs & Associates has credit repair specialist in Philadelphia and San Diego

United States 01-02-2019. White Jacobs & Associates is the leading company of professional credit repair specialist who has all the expertise and knowledge that is crucial to meet your needs. Having b...

Published:  Fri, 01 Feb 2019 02:20:00 GMT



Zorro Credit Repair Opens New Miami FL Office

January 29, 2019 - - Zorro Credit Repair has announced that they have opened a new office in Miami, Florida. According to the company, their aim is to reach out to more people to help them get their c...

Published:  Tue, 29 Jan 2019 12:51:00 GMT



Mortgage Credit Repair

You have more chance of your lender approving your mortgage or offering you low interest rates if you have a good credit score. Your credit score tells lenders how reliable you are as a borrower. The ...

Published:  Sun, 27 Jan 2019 16:00:00 GMT



How to Repair Your Credit in 6 Steps

A bad credit score can be a constant source of frustration. If your score isn't where you'd like it to be, our guide on how to repair your credit can help you boost it back up. People usually don't re...

Published:  Tue, 08 Jan 2019 06:40:00 GMT



Put credit repair on New Year's resolution list

An old friend not only was a victim of credit fraud this past year, but his family's passports also were stolen just two weeks before a long-awaited Christmas vacation. Stuart, 60, took all the right ...

Published:  Sun, 06 Jan 2019 02:26:00 GMT



How to spot a credit repair ripoff

Memphis, Tenn. - Credit repair companies claim to help consumers quickly boost their credit score, but a News Channel 3 investigation found customers who claimed they made a costly mistake. WREG also ...

Published:  Thu, 15 Nov 2018 19:14:00 GMT



14 Reasons Why You Should Sign Up for Credit Repair Today

[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is one ...

Published:  Wed, 05 Dec 2018 05:03:00 GMT




We recommend

 

- View Full Site -