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Call us or inquire online to learn more. If we can’t help, we’ll let you know. We’re not here to waste your time or money.
A helpful, knowledgable Dedicated account manager is assigned to you and/or your significant other to formulate custom tailored strategy
We work tirelessly with you to defend your case and optimize support to achieve favorable outcome.
Many credit repair companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus (all three) — Equifax, Experian and TransUnion – before they can start. You either pay for them, or they charge you for them.
Impact on score
Professional Credit Analyst who will review your reports with you and help identify the negative items hurting the overall health of your reports.
As a credit repair company, we have an obligation to ensure that we can help you, prior to starting work – hence why it’s important to have the right to request for a refund if that’s the only other option.
A stellar reputation in our industry means lower costs and a clear mission, vision and philosophy. Customers are the best local advocates to help you get a more realistic picture of which credit repair companies stand out from the crowd.
Often companies will charge “initial audit” or “discovery” fees. Sometimes, even “cancellation” fees.
Pay As You Go
Pyramid Credit Repair is changing the game of the professional credit repair industry. Our ingenious strategies help millions of Americans get their credit act together with powerful tools and 24/7 expert assistance. We prove that credit repair does not need to be a pesky business under ridiculous contracts without precise methods and satisfactory results.
Credit repair is a process requiring dedication, precision, industry knowledge, and effective time management. Without these crucial components, even the most thought-out strategy is deemed for failure. The primary goal of credit repair is restoration or correction of a less than perfect credit situation, such as your inadequate credit score. However, credit repair incorporates many unwritten rules within its process expected to produce lasting results, not only a quick fix.
Pyramid Credit Repair is a company focused on targeting inefficiencies, the little things that brought you here in the first place. Those might include harmful spending habits, weak credit or debt management, or lack of thorough credit audits. Looking into your credit by scrutinizing your credit reports, catching symptoms, providing a proper diagnosis, and delivering treatment strategies is what sets us apart from our stiff competition. PCR hands over real results in real-time, allowing you to track all progress and get live assistance to answer any questions or address any concerns you may have.
Your financial health depends not only on a sufficient credit score - knowing the nuts and bolts of your credit report is fundamental to your proper credit management and an integral part of the entire credit repair process. At Pyramid Credit Repair, we have trained eyes that quickly catch any inaccuracies contained in your credit reports. However, we are also aware that it might take a while for a newbie to get a hold of reading and understanding that information. Here’s a quick guide to help you get through your credit reports without much hassle:
In short: your credit report is a dissection of your credit history - your ability to manage current and past credit and debt. When we say we need to analyze your credit reports, we do mean the plural form since you do have multiple credit reports generated by different credit bureaus. The three major nationwide credit bureaus are Equifax, TransUnion, and Experian, all of which should include comparable information producing similar credit scores.
The reason why you should be on the lookout for errors in all three credit reports is that an inaccuracy in one can have a negative impact on your overall creditworthiness, including getting a loan on better terms or opening a new credit account.
All of your credit, mortgage, and loan accounts feed the financial data to the credit bureaus, who then prepare such credit reports for the future lenders’ overview. That way, they gain an insight into your situation and decide whether or not, and on what terms, borrow you the money.
Did you know you are entitled to obtaining three copies of your credit reports from all three major credit bureaus once every twelve months? The Fair Credit Reporting Act made it possible for all consumers to gain insight into their credit situation at no charge utilizing the only authorized and reliable source - AnnualCreditReport.com. The website offers credit reports from Equifax, Experian, and TransUnion. To get your free credit reports, you will need to provide your personal information, including social security, legal names, address, and date of birth - all necessary to identify you correctly.
In case you have been denied credit or loan for any reason, you may also request a copy of your credit report to see what information impacted the lender’s decision. After receiving your adverse action letter, which contains the credit bureau information, you have 60 days to request the report for your overview.
To verify all of the information contained in your credit report is accurate and up to date, it is important that you monitor your data on a regular basis, which might be more frequent than once a year if your situation requires it. Here’s a checklist of what you should look for when reviewing your credit report:
Believe it or not, but your credit history is not limited to banks and lending institutions. Your financial health influences many other areas of your life, whether you realize it or not, including your ability to rent an apartment, get a job, or a shot at promotion. Your future landlord and your potential employer treat your credit report as part of a background check to avoid any risks and ensure you are the right candidate. In both cases, you need to give your consent before the credit check can be performed.
In other instances, your credit score can also impact your future insurance premiums, where you might qualify for better terms with better credit. However, using your credit report to estimate your coverage is not legal in all states.
One of the first questions we get at Pyramid Credit Repair from our customers is how long it will take to repair their credit. While there is no definitive answer as each case has an individual customized course of action depending on its needs, on average, our experts see excellent results after 163 days. Implementing patented strategies, research, analytics, and proficiency has substantially minimized the time customers see positive changes in their credit.
Pyramid Credit Repair focuses on pure transparency, meaning we promise attainable results without unrealistic expectations based on a formulated game plan. We acknowledge each individual without taking the gamble - if we cannot help, we will let you know. After all, credit repair is not an overnight quick fix that magically changes your life - it is a process that requires patience, your full cooperation, and a proper mindset to make it a long-lasting success.
That dreadful three-digit number might be your best friend or your worst enemy. Measured on a scale of 300 to 850, it is a summary of your entire credit history - the combination of all financial activities, current or past. Your credit score and credit reports influence many lenders’ decisions, from purchasing a car to buying a house. Aside from getting approved or rejected for a loan or credit line, a credit score gives you room for negotiation, offering good or less than perfect terms. Your credit score is generated utilizing the information gathered from your credit reports.
While various creditors might perceive your credit score differently, from the five rating tiers, a good credit score is perceived anywhere between 670 and 719.
Your credit is always a work in progress, and specific actions either lower your creditworthiness or make it better. There are a few major contributing factors that influence how well you manage your credit, including your payment history, credit utilization ratio, the age of your credit history, credit mix, and any new credit on your account.
One of the best ways to improve your credit is paying your bills on time - a guarantee of better financial health and enhanced peace of mind. Paying off your balances quickly not only minimizes your credit utilization ratio but also prevents accumulating interest that potentially hurts your wallet and sometimes makes it impossible to get rid of debt.
You should also make sure to review your credit reports at least once a year to catch any errors, outdated information, and other inaccuracies that have a negative impact on your creditworthiness.
While it is unlawful to delete any accurate information on your credit report and hence improve your credit score, you have a legal right to dispute any and all errors that hurt your credit.
You can take action today to start the credit repair journey entirely on your own. While it is a time-consuming process demanding a lot of attention, determination, patience, and adequate negotiating skills, it may be achieved without hiring a professional credit repair company.
No part of this site may be copied, distributed or reproduced without prior written permission. The services of Pyramid Credit Repair and its affiliates may not be available in all states. Pyramid Credit Repair, assists consumers with credit reports that are inaccurate, misleading, unverifiable, untimely, incomplete or that otherwise contain incorrect information. All testimonials are from actual clients. Individual results may vary.