With its vibrant city life and scenic views of nature, Austin is definitely on top of the list when it comes to the best places to visit in North America. And you have probably heard about the “weird” vibe the city offers or all the odd things it does to make itself more interesting than the rest of U.S. metropolises – from junk museum to celebrating Eeyore’s birthday, Austin has it all. Despite the colorful approach and its overall appeal, Austin faces many social challenges in the background, including skyrocketing homelessness and indebtedness. When comparing all fifty largest cities in the United States in a study done by LendingTree, Austin ranked the worrisome second place for the highest median amount of credit card debt at the beginning of 2021!
Pyramid Credit Repair, a reputable and seasoned credit repair company, helped millions of Americans fix their financial defects through a rigorous process developed by specialists within the industry. Our patented and tried methods are based on pure analytics and are currently stepping into the Austin territory, allowing you to sleep soundly knowing your affairs are in the right hands. Credit repair, when done correctly, can and is a legitimate service offered to those who are willing to make the commitment of a better tomorrow.
Credit repair can be one of the most heinous and labor-demanding tasks out there – being constantly on the lookout for mishaps, organizing your statements and credit reports, learning how to read them correctly, or drafting those dispute letters; you also are required to step into the role of a negotiator with financial institutions. That means you need to really commit to the process that may take up to few months to see results. Pretty discouraging, huh? Well, not necessarily. Read on to learn how you can master the credit repair process without the extra sweat.
In order to diagnose any problem, you need to dig deep and identify the root and symptoms of your situation. Put your credit life on hold for a few days while you go through your statements, calculate the remaining balances to figure out your overall debt, identify the interest charges on your accounts, and establish a budget that you will commit toward paying off your financial obligations. Think about everything that is happening to your life and all the problems you have been sweeping under the rug to avoid facing the truth. This is the right time to come face to face with your situation and the challenges that brought you here in the first place. Without this holistic approach, all of your efforts might not work in the long run, even if you do boost your credit score temporarily.
Before you sit down with yourself or loved ones, commit to immediately stop digging a giant hole in your debt and avoid making unnecessary purchases. Trimming your spendings and slightly modifying your financial behavior will have an enormous impact on the further steps, especially if you need a decent budget to pay off the accumulated dues. It’s worth having a few tricks up your sleeve when it comes to effective budgeting:
As a consumer, you are entitled to three credit reports from all three major nationwide credit bureaus, Equifax, TransUnion, and Experian. While all three look similar, they might contain slightly different information. It is crucial that you review all of the credit reports with scrutiny, identifying all possible errors that, unfortunately, are way too common. Some of the inaccuracies include wrong names, date of birth, addresses but may also contain more credit-affecting entries, such as inaccurate missed payments, inquiries, or closed accounts.
Now that you have highlighted all wrongful information on your credit reports, it’s time to take it up with the financial institutions and lenders. You may prepare a dispute letter yourself or download a free template online to guide you through the process. Make your case, attach copies of your credit reports with highlighted errors, provide all other supporting documents, and post the letter via certified mail. Now, allow the creditors 30 days to review your records and follow up if you do not hear from them. The dispute process may have to be repeated a few times before any action is taken.
If you are in Austin and need help with repairing your credit, do not wait any minute longer to get the assistance you deserve. The process is smooth, and we make sure you stay informed throughout the ordeal, monitoring your progress and getting advice around the clock.
We know that managing to keep a good credit score is difficult. One late payment here, another misunderstanding there, and before you know it, you've got a terrible credit score that you may think is beyond repair.
But that's just not true. Credit scores can always be repaired, especially if you're in New York because we're here to help you out!
With our solid, foolproof 3-step plan, you can improve your credit score in no time.
When you reach a bumpy road, it's okay to call for help! Just when you've thought your score has hit rock bottom, it can somehow manage to slide further down, and it will continue to do so unless you make the right decision. Debt is a never-ending rabbit hole, so it's best to start working now.
Once you call us and explain your situation to us, we might be able to offer you some advice on how to better manage your credit score.
After your free consultation, the next step in an in-depth analysis of your credit history. This may include looking at bills, investments, bonds, and loans. Our experts will analyze your entire account while constantly discussing the events with you to get a clear picture of what went wrong. Sometimes, it's not just missing a payment but recurring habits that adversely affect your credit score in the long run.
Our aim is not just to improve your credit score, but also to help you maintain a good score. Our team of experts will give you personalized advice that will help you maintain your new and improved credit score.
Once we've figured out what needs to be done and fixed, we look at disputes that need to be addressed. We come up with a proper plan to help you improve your score. This game plan can include everything from personalized tips to improve credit score and decrease piling debt as well as resolving past disputes on your behalf.
We basically give you sound financial education, which is seldom found in the real world. Not just this, but we keep an out on your account, monitoring your credit scores and habit. If there is something that you'll be doing wrong even after our consultations, our experts will very candidly point it out.
When you desperately need a loan for a house or a new car, your bad credit score may come back to bite you. Those late installments you pay can cause problems in your future. At Pyramid Credit Repair, we help you improve your credit score. We do so by contacting companies that have left negative reviews for your credit and getting to the root of the problem. With over 10 years of experience in the field, our team can swiftly scour your entire credit history and end credit disputes that have held you back for far too long.
Learn how we can help.
We help individuals improve their credit scores, both actively and passively. We know you're probably wondering how we're going to help you improve your credit score. To be able to answer that, we'll first need a little lesson in credit scores.
It’s just unconventional. Simple. Smarter. Better. Easier.
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, knowledgeable 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 outcomes.
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.
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.
Over at Pyramid Credit Repair, we offer two plans to meet every one of your needs. One of our key features is that we have no hidden costs that will spring upon you out of nowhere. Both of our plans are complete packages that come with 100% coverage.
No additional costs.
Personalized game plan.
24/7 phone support.
No contracts. Cancel anytime.
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Personalized service for two.
Finance tools for couples.
24/7 phone support.
No contracts. Cancel anytime.
We offer a free assessment of your credit dilemma over the phone. Just call us, explain your situation to get a free assessment and advice for free.
At Pyramid Credit Repair, we are confident in our work, which is why we offer you a money-back guarantee. If you don't feel like your issues were solved adequately, you reserve the right to ask for a refund.
We have two plans that are complete packages for all your needs. Unlike other companies, which profit from charging clients hidden fees, we believe in complete transparency. This means you never have to worry about incurring extra charges when working with us!
A bad credit score can lead to many problems down the road. So, don't wait until your credit score reaches a point beyond repair.
Contact Pyramid Credit Repair today!Banks and other lenders are always risking their money when they give out loans to individuals, so they create an entire borrower's entire profile. These lenders also register your case with credit bureaus, which are tasked with keeping track of all your lending and loan returns. Credit bureaus are mostly automated these days, which means instead of reading your entire loan history, lenders rely on a computer-generated number (your credit score) to make a risk analysis for that loan. Your previous payment history plays a huge role in deciding your current credit score, think 35%, which is the most significant factor credit bureaus take into account.
While these credit bureaus are supposed to be reliable, they're sometimes not and can mess up your credit history. Sometimes misunderstandings between lenders and borrowers also affect your credit score and drive down your credibility.
On average, clients can expect to see a 103 point score increase over 6 months, with an initial 10 point increase in the first month. Due to the fact every single collector has different internal processes and ways of handling our disputes, we can never be too sure how long it will take. We try one strategy, see what the results are, and go from there. We provide monthly updates to let you know what's happened along the way.
We have been able to delete most kinds of negatives that exist on credit reports, including collections, charge-offs, bankruptcies, student loans, late payments, medical bills, utility bills, repos, tax liens, foreclosures, and many more.
We dispute negatives from the major bureaus that lenders care about- TransUnion, Experian, and Equifax.
They are private corporations (like McDonalds or Walmart), not government entities, that sell your financial history in the form of credit reports to lenders like BMW or Chase Mortgage. These lenders then evaluate your report to decide if you're likely to pay them back or not. If you have one or more negatives, you're likely to get denied. The FCRA and FDCPA give you the right to dispute any negative marks harming your creditworthiness. While there is no guarantee of removal, it's always a wise decision to try because the alternative can mean waiting 7 to 10 years before anyone will approve you, that's a long time!
Yes. If we're unable to remove any negative marks after 90 days (3 disputes) of work, we will refund any and all fees. No questions asked.
We charge an initial $199 audit, signup, and letter fee only after your initial disputes are sent.
By law we're unable to guarantee results of any kind. As an alternative, we offer our guarantee that we will refund fees if we don't get any results after 90 days. Any company that promises results is in direct violation of the Credit Repair Organizations Act and probably shouldn't be trusted. Unfortunately, many of them continue to do it and that is one reason the credit repair industry has a bad reputation.
We are an innovative team with a group of dedicated, passionate, and remarkable individuals determined to help you repair financial defects from your record and help discover ways to improve credit score. READ MORE
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.
