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Dive into our rich resource of frequently asked questions, where our years of expertise shed light on all your credit queries and concerns.

Frequently asked questions

What exactly does Pyramid Credit Repair do?

Pyramid Credit Repair specializes in analyzing your credit reports, identifying errors and disputable items, and working with credit bureaus and creditors to correct these issues, ultimately aiming to improve your credit score.

How can Pyramid Credit Repair help correct or delete bad credit?

We use legal and ethical means to dispute inaccurate, unfair, or unverified items on your credit report. If these items can’t be verified as accurate, they must be corrected or deleted, potentially improving your credit score.

Is my credit situation too difficult for Pyramid Credit Repair to handle?

We’ve tackled a wide range of credit situations, from simple inaccuracies to complex disputes. While we can’t guarantee specific outcomes, we promise to give your case the attention and effort it deserves.

What's the typical timeline for seeing results with Pyramid Credit Repair?

The timeline varies, but clients often see positive changes in as few as 30 to 45 days. The total duration depends on the number and complexity of items being disputed.

Does credit repair come with a high cost at Pyramid Credit Repair?

We offer various service levels to fit different budgets and needs. Our aim is to provide value and effective service at a fair price.

Can I tackle credit repair on my own, and how does Pyramid Credit Repair make it easier?

The timeline varies, but clients often see positive changes in as few as 30 to 45 days. The total duration depends on the number and complexity of items being disputed.

What if I'm struggling financially? Can I still afford credit repair services with Pyramid?

We offer different levels of service to accommodate various financial situations. Let’s discuss your needs and see how we can help within your budget.
Absolutely. We operate within the bounds of federal laws like the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) to legally advocate on your behalf.

What types of negative items can Pyramid Credit Repair remove from my credit report?

We can challenge a variety of items, including late payments, charge-offs, collections, bankruptcies, and more, as long as they are inaccurate, unfair, or unverified.

Do negative credit items remain on my report forever? What's the process for removal?

Most negative items can stay on your report for up to 7-10 years. We work to remove inaccuracies or unverifiable information sooner through disputes and negotiations.

If an item is deleted from my credit, could it reappear later on?

It’s rare but possible if a creditor verifies it later. We monitor your credit and can address reappearances as needed.

How significantly does one negative item on my report affect my credit score?

The impact varies, but a single negative item could potentially lower your score by a significant amount, especially for major infractions like bankruptcies or foreclosures.

How can divorce or identity theft impact my credit, and how does Pyramid Credit Repair address these issues?

Both can lead to incorrect or fraudulent items on your report. We help by disputing inaccuracies and advocating for the removal of fraudulent accounts.

How are student loans and medical debts addressed in credit repair with Pyramid?

We can dispute any inaccuracies related to these debts and guide you on how to manage them better moving forward.

When is the right time to start credit repair with Pyramid?

The sooner, the better, especially if you plan major financial moves like buying a home or car. Early intervention can lead to better outcomes.
Laws like the FCRA and CROA provide you the right to dispute inaccuracies and ensure fair reporting.

Should I stop paying my bills during the credit repair process?

No, continue meeting your financial obligations. Timely payments are crucial for maintaining and improving your credit.

What should I know about collections and their impact on my credit through Pyramid?

Collections can significantly impact your credit. We can dispute incorrect collection entries and advise on dealing with legitimate ones.

Does simply paying off my debts restore my credit score?

Paying debts helps, but it doesn’t erase past delinquencies. We work on addressing those historical negatives as well.

How long do various negative items like charge-offs and bankruptcies stay on my credit report?

Typically, negative items remain for 7 years, while some bankruptcies can stay for up to 10 years.

What strategies does Pyramid Credit Repair use for removing late payments or repossessions from my report?

We dispute inaccuracies and negotiate with creditors to remove or update unjust or incorrect entries.

Is it possible to remove a foreclosure or hard inquiry from my credit report with Pyramid?

If these items are inaccurately reported or unverifiable, we can challenge and potentially remove them.

Can Pyramid Credit Repair negotiate to remove a bill in collections?

We can assist in negotiating with collectors, especially if the debt is inaccurately reported or questionable.

How can I monitor the progress of my credit repair with Pyramid?

Clients have access to an online portal to track progress, view updates, and communicate with our team.

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© 2017–2024 Credit Concierge LLC. Pyramid Credit Repair ® is a registered trademark of Credit Concierge, LLC. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Pyramid Credit Repair are the property of their respective trademark holders. This site may be compensated through third-party advertisers. 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.
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