But with a big city comes big credit responsibility for its residents and a large field of repairs to cover. Pyramid Credit Repair comes to the rescue, expanding its distinguished and patented services to the beautiful San Antonio community. If your bad credit keeps you from realizing your dreams and living a comfortable life, you can now sleep better knowing that your financial affairs are in the right hands.
While most consumers know the nuts and bolts of making timely minimum payments on their credit cards, and even if they do not follow the rules, they are surely aware of the consequences. However, as with any other matters within the financial industry – the black magic no one tells you about – there are certain aspects that work for or against your credit score. These unwritten rules may forever change the way you think about your finances and how you manage your spending – the first steps toward better credit.
That dreadful credit card statement you get every month doesn’t have to be so scary once you learn the basics and understand precisely what each portion means. Part of the fear comes from not knowing, and we want to help you get ahead of the game by explaining a few fundamental laws when it comes to your credit card statement.
So, before we dive into advising on how to pay your financial obligations, let’s dissect the ABC’s of your credit:
Before we discuss the ideal amount that should be paid each month, let’s talk about a good strategy for timely payments. While you know your due date, which gives you a deadline as far as payment is concerned, it’s good to have a few tricks up your sleeve if you want to boost your credit score quickly. Payment history is one of the most critical aspects in calculating your creditworthiness, and your every move is being reported to the credit bureaus by the issuers.
It is always best to pay your balance earlier during the billing cycle rather than later. Waiting until the last minute to make the payment puts you at unnecessary risk of having that payment posted past its due date as financial institutions operate in various ways. This is especially true when still utilizing the old-school way of mailing checks rather than paying bills online, which are usually posted to your account much sooner.
Having an entire billing cycle to make that payment is a reasonable amount of time to make the right decisions. If you’re having a good month, consider paying off the entire statement by the due date. Paying off your balances quickly, instead of resorting to minimum payments, help your credit score, immediately lowers your credit utilization ratio, and provides lenders with valuable information regarding your ability to borrow money responsibly. In addition, you avoid the massive accumulation of interest rate charges.
Making minimum monthly payments is certainly an appropriate way to keep your account clean of any mishaps, especially if you are on a tight budget. However, even if you can only afford to make small payments to your account, there is a way to “cheat” the system by implementing the micropayment approach. Instead of making one single payment each month, consider making smaller but more frequent payments, which will ultimately exceed the minimum amount that needs to be paid by the end of the billing cycle, lower your credit utilization faster, and avoid high interest rates.
While making timely minimum payments keeps you on track, it slows down the rate at which you are paying off your entire balance. Interest rate charges applied to your balance become part of the minimum payment, and you may begin to notice that your dues remain absurdly high despite your efforts. Incurred interest charges are assessed based on your average daily balance, and if it persists high, so will your interest charges.
Pyramid Credit Repair is becoming part of San Antonio’s vibrant community to help its residents with their credit affairs. Being in the credit repair industry for so long allows our team of experts to customize each course of action based on your individual needs.
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.
