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The Credit People vs 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.
The Credit People have helped more than 100,000 people to improve their credit history since 2001. Their website is attractive and laid out in a way that is simple to understand, not cluttered with an overload of images and links.
The Credit People offer a simple way to check out their services: pay an initial fee of $19, which includes your credit report (a service often not provided by credit repair services) and see what you think for the next 7 days. If you choose to continue using their credit repair plan, you'll pay a flat fee of $79 per month. The service can be cancelled at any time, and an "Unbeatable Satisfaction Guarantee" allows you to get a refund for one month's service fees (this is assuming you cancel as soon as you're unhappy, not months after the fact).
The services provided by The Credit People are as you'd expect with a credit repair service: disputes, inquiries, interventions and validations. We like that they focus their results not just on removing negative items from your credit history, but also specifically on improving your credit score - so that you can more easily qualify for a loan or be selected as a tenant for a rental. We also appreciate that their approach to working with their clients is "How can we help?" with situations like trying to get interest rates lowered or to get a referral letter, going above and beyond the issues associated with your credit report.
Digging around a little more, though, we were left with some question marks. First, several places on the site refer to a 6-month, prepaid package plan that comes with a 6-month guarantee but this isn't listed on the Pricing page. Then, we were happy to see lots of informative articles on the Credit Resource Section - but disappointed to find that the Regulations page was totally blank.
Finally, we were puzzled by The Credit People's reputation with the Better Business Bureau. Although their representatives seem to have done a great job of responding appropriately to all of the customer complaints posted on the BBB site, they still had a less-than-inspiring "C" grade at the time of our review.
From our perspective, The Credit People are trying to offer personable and effective credit repair services and have been doing that for several years - but they've got room for improvement to move up in the rankings and compete with the top companies in our review.
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.
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
Mike Pearson, credit expert and founder of the credit repair site Credit Takeoff, explains how the score ranges affect your approval odds. "If you have a credit score of 750 and above, you'll have ...
Published: Tue, 23 Apr 2019 15:29:00 GMT
San Francisco-based credit card company Brex has secured $100 million in debt financing, according to company database Crunchbase, topping the city's recent funding headlines. The cash infusion ...
Published: Tue, 23 Apr 2019 10:50:00 GMT
CHICAGO, April 11, 2019 /PRNewswire/ -- CreditLogics (https://www.creditlogics.com/#About-us) recently launched its all-in-one credit repair platform intended for businesses working with client ...
Published: Thu, 11 Apr 2019 11:50:00 GMT
Heath, Attorney at Law, PLLC d/b/a Lexington Law Firm (Lexington Law) for allegedly engaging "in a fraudulent credit-repair scheme designed to bombard debt collectors with false credit dispute letters ...
Published: Tue, 23 Apr 2019 10:11:00 GMT
"Some [are concerned that] taking banking information into consideration could hurt those who otherwise have a good borrowing and paying history but have poor banking habits," writes Elisa Ortiz at ...
Published: Mon, 22 Apr 2019 12:15:00 GMT
Early last month 03/05/2019 we posted news of Bestcompany.com having us ranked in the Top 10 of the best credit repair companies. To be precise we were ranked #9 back then but since a whopping amount ...
Published: Tue, 16 Apr 2019 09:39:00 GMT
Actress Salma Hayek lavished praise on her husband's family for their generous donation to rebuild Paris' Notre Dame Cathedral - and clarified that they won't be taking advantage of any ...
Published: Fri, 19 Apr 2019 09:06:00 GMT
These aren't "credit repair" rip-offs, where you shell out hundreds or thousands of dollars to sleazeball companies. Far from it. All three tools come from well-established players: FICO, developer of ...
Published: Tue, 02 Apr 2019 23:30:00 GMT
Actress Salma Hayek lavished praise on her husband's family for their generous donation to rebuild Paris' Notre Dame Cathedral -- and clarified that they won't be taking advantage of any tax credits. ...
Published: Fri, 19 Apr 2019 08:52:18 GMT
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