As of September 2019, Florida’s total credit card debt reached $66.4 billion, rising by $2.3 billion in the second quarter. With such an enormous burden, no wonder so many Floridians are struggling with a low average credit score, affecting their ability to lead stable and prosperous lives.
Unfortunately, your credit score is not just a number, but it essentially represents your reputation. Your credit demonstrates your financial responsibility that may also affect non-fiscal matters, such as renting an apartment or getting a promotion. While doable on your own, credit repair is a laborious task, requiring endless patience, determination, and a lot of free time on your hands. Here’s why:
If you ever pulled your credit score, you might have noticed varying digits from different credit reporting agencies. Ultimately, your credit score is a combination of data from the three major nationwide credit bureaus – Equifax, Experian, and TransUnion. Distinctive scoring models found on your credit reports are often referred to as FICO score or VantageScore, and those can affect the number you are seeing. In addition, utilizing the best online tools for checking your score can provide you with the exact or similar information that banks and lenders see.
Checking your credit score can initially be heartbreaking, but it is an essential step in figuring out what happened in the first place. When you stumble upon a not-so-perfect number, it is time to dig into that credit report of yours to see what caused it to sink. Believe it or not, your credit reports may contain inaccurate information, and the first step is to look for any mistakes that your file contains. Any errors on your credit report are subject to dispute, and if they cannot confirm the accuracy of the reported information, credit bureaus are required by law to remove them.
After peeking into your credit reports, take a look into your financial behavior and spending habits, so you can determine a concrete budget for paying off your credit cards and other dues. Start by repaying the highest balances by contributing more than the minimum payment – the accumulated interest might be the factor keeping your balances high. The credit utilization ratio is an essential component of your overall credit score. By getting rid of your debt, you are reducing the credit utilization ratio and, consequently, raising your credit score. Having numerous debts and collections significantly impacts your creditworthiness, identifying you as a risk for prospective lenders. As you can see, the entire credit repair process is a time-consuming one, requiring your constant attention, negotiation, and diplomacy skills, especially when communicating with creditors. Pyramid Credit Repair has been helping improve individual credit scores for years, working along with the best legal and financial resources to deliver effective results.
Credit inquiries can be either hard or soft. This is the most crucial distinction every borrower should know, especially when investigating your credit file or opening an account. There is a big misconception that checking your credit score may lower it. And here’s where hard and soft pulls come into play: hard credit inquiries may temporarily reduce your credit score by few points and remain on your credit report for up to two years, while soft credit queries do not affect your creditworthiness and are most often pulled for personal reference. If you utilize services such as Credit Karma, the system performs a soft check allowing you to gain insight into your score without impacting it. However, attempting to open an account in BestBuy will result in a hard credit inquiry, which may slightly and briefly affect your credit score.
The conclusion: frequently checking your credit score by conducting a soft check is an excellent way to manage and monitor your affairs. Besides, you are entitled to obtain free copies of your credit report from all three nationwide credit reporting agencies once every twelve months. Both are extremely important in ensuring your credit is in good standing, and regular inspection eliminates the risk of fraud and inaccuracies.
Here’s what you need to know about missed payments: they pour your credit score down the drain. The typical billing cycle is approximately thirty days, and by missing the full period, you can experience a drop in credit score of up to one hundred points! That is a tremendous impact, visible on your credit report for up to seven years. With that being said, avoid missed payments at all costs, specifically those that are thirty days past due.
If you cannot make payments due to personal or financial circumstances, informing your lender about your situation is your only chance at sparing yourself a lot of trouble.
Reputable and experienced credit repair companies utilize patented methodology and a vast array of tools, data, and analytics to enhance your credibility, execute a productive dispute process, negate all inaccurate information on your credit reports, and provide counseling related to your financial and credit IQ. Working alongside the best representatives, account managers, and other industry experts, you can sleep better knowing your affairs are managed like clockwork.
Credit repair is our daily bread, and we possess the hidden knowledge that creditors won’t let you know about. Taking advantage of the expertise significantly reduces the time of your credit repair, while your individual journey can take months or even years. Pyramid Credit Repair does not work based on assumptions but implements meticulously calculated data to raise your credit score and manage your credit affairs. If you still have doubts, schedule your free initial consultation today and see for yourself what can be done.
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.
