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Credit Repair vs Pyramid Credit Repair

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CREDIT REPAIR

Credit Repair looks like an incredible service for fixing your credit history. For $99.95/month, this provider will pull your credit report and help you identify which items you want to change or challenge - building a plan with you instead of creating an arbitrary strategy without your input.

From there, Credit Repair's experts work with credit companies to implement your plan, and then they verify with the credit bureaus to make sure that those changes actually take effect. You can track your progress through your personal online dashboard and a mobile app, where you'll also see your score tracker and analysis of the changes to your credit profile.

You'll also find great resources in the Education section of the site. Want to know how bad credit affects you, or how to get your free credit report? You'll find that information here, along with an up-to-date blog, tools to help you in your financial planning, and much more.

Unfortunately, Credit Repair has lost some credibility within the industry. Why? According to the Better Business Bureau, the company was asked to prove their claims that the average customer sees progress every month while using their services - even seeing improvements in the neighborhood of 7% of questionable credit report negatives being taken off their credit reports every 30 days. As of the date of our review, the BBB was still reporting that they had not received proof of those advertising claims. Those claims are still prominently featured on the Credit Repair website.

While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.

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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.

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Best Credit Repair Companies

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

4 Things I've Learned on My Journey to Great Credit

It took me nearly four years of credit repair before I cracked 700, which is average credit. It took me another three years before I was able to crack the 800 barrier for the first time. Currently, my ...

Published:  Mon, 18 Feb 2019 23:10:00 GMT



Zorro Credit Repair Adds San Jose CA To Their Burgeoning Branches

February 05, 2019 - - Zorro Credit Repair has added San Jose CA to their burgeoning branches in the US. The company aims to reach and help people who need to get their credit score fixed as quickly as ...

Published:  Tue, 05 Feb 2019 17:23:00 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



Credit repair: Six top tips to improve your credit rating

Q: I've recently turned 25 and have been doing a lot of thinking about my finances and the steps I need to take to improve my overall financial situation. With some help from my mom I've set up a budg...

Published:  Mon, 05 Nov 2018 03:24:00 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



How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score migh...

Published:  Mon, 05 Mar 2018 16:00:00 GMT



Future Innovations of Credit Repair Services Market: How It Is Going to Impact on Global Industry to Grow in Near Future

Credit Repair Services Market helps in making informed business decisions by having complete insights of market and by making in-depth analysis of market segments This press release was orginally dist...

Published:  Tue, 04 Sep 2018 17:00:00 GMT



Ask Andy: Credit Repair

(WMC TV) - Coming back from a college visit for my daughter recently, I saw a sign staked in the grass next to a gas station: "Credit Repair: 1-800-XXX-XXXX." I did the best thing someone could do wit...

Published:  Wed, 27 Jun 2018 01:36:00 GMT



New Jersey Company Announces Fast Credit Repair For Consumers

February 05, 2019 - - One Financial Business in Hackensack, New Jersey has announced that they are offering credit repair for consumers. The company states that there are a number of things that can b...

Published:  Tue, 05 Feb 2019 17:22:00 GMT




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