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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.
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:
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.
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:
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:
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:
Credit Repair In The News
Your credit score is a three-digit number between 300 and 850, generated by a mathematical algorithm (a mostly secret formula) based on information in your credit report compared with information ...
Published: Mon, 12 Nov 2018 22:00:00 GMT
The Rho Gamma Omega Chapter of Alpha Kappa Alpha Sorority, Inc. and Reliant Credit Repair of New Jersey invite you to attend an informational session on credit restoration. The event will convene on T...
Published: Sun, 11 Nov 2018 08:00:00 GMT
A separation or divorce may have had a devastating impact on your financial health. The good news is that with time and discipline, it's possible to repair a bad credit history, according to Anne Arbo...
Published: Tue, 13 Nov 2018 22:36:00 GMT
Credit: Front Cell Neurosci ... and the Hospital Clínico San Carlos has developed an innovative treatment to repair damaged brain tissues. Thanks to the implantation of encapsulated stem cells ...
Published: Wed, 14 Nov 2018 06:50:00 GMT
a Credit Repair Consultant for Credit Repair Expert. "Hard inquiries generally lower your credit score by a few points." 5. Credit Mix A portion of your score is based on the mix of credit you have (r...
Published: Sun, 11 Nov 2018 10:27:00 GMT
Most credit-card rewards programs allow you to redeem your points ... a not-for-profit that provides cleft repair surgery in developing countries. "The fallback is just redeeming for cash. They can go ...
Published: Wed, 14 Nov 2018 11:14:00 GMT
Credit: Laboratory of Biomolecular Engineering ... but scientists have been racing to adapt CRISPR/Cas9 to repair mutations that cause genetic diseases and to manipulate DNA in laboratory experiments.
Published: Tue, 13 Nov 2018 05:27:00 GMT
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