Credit Saint offers a money-back guarantee that is above-average: if you don't see any negative items deleted from your credit history in the first 90 days of service, you are eligible to request a full refund of any fees paid. Customers should expect it to take up to two months for those deletions to start appearing in their online portal, and the terms of the guarantee require the client to send in any requested documentation or other updates in a timely fashion.
And with ecommerce transactions becoming more and more common right along with significant data breaches, identity theft rates are only increasing. The number of documented data breaches increased from 614 in 2013 to 1,579 in 2017. Whatever the source, mistakes in a credit report can have devastating effects on a consumer’s ability to access credit.
"When you first start the program after reading the previous reviews, you hope you're not the next one to get suckered. Which is how I'm feeling right now! $89.00 a month for something that shouldn't take this long. Only small improvements in credit score and already out almost $500.00 bucks. I should have chosen a different company that can deliver faster results instead of milking my wallet month to month. They sound good on radio and in other advertisement, but the actual results don't live up to the HYPE!!!!!! It shouldn't take this long to get the maximum results."
Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.
You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.
You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.
Who has the best Tax Relief? What can you do if you owe more taxes than you can possibly pay in a reasonable amount of time? That's a question many Americans are struggling to answer. As inflation rises and tax burdens increase, more people have tax debts owed to the US government and to state/local tax authorities. It goes without saying that having wages garnished and assets seized only adds to the stress felt in that situation.
"I went and got a new car in Feb 2013 signed the contract and drove off with my new car. A few weeks later I get a call that the financing had fell through or that's what I was told so I returned the car after realizing it wasn't worth it with an interest rate at 22%. I decided to go ahead and start the process of having a house built but found out my credit score had been knocked down by 100 points so I called CreditRepair.com. I'm so happy with the outcome - I can't wait to see my results for the month of April."

Before web-based credit repair software was introduced into the world of technology, credit repair software was downloaded through deliverable disks which were then loaded onto the computer. Many complications and setbacks arose while using the downloadable credit repair software method including its slow extinction in the technical world which made it next to impossible to be updated and kept secure. All of these issues were eliminated when the advancement took place to create a secure and efficient web-based credit repair software program known as SAAS (Software as a service
In an industry like credit repair, reputation is everything when choosing which service to use. In that regard, Pyramid comes up short. To find out their track record with the BBB, we had to find them under their alternate business name, Credit Concierge Services LLC. The BBB lists that business as "NR" (No Rating) status until more data comes in; when we found that listing, there was only one review posted and it was negative. We found just over four dozen mostly-positive reviews specifically for Pyramid around the web, but in an age where we know that customer reviews can be faked (unlike what you find on TopConsumerReviews.com!), it's hard to know which ones are truthful without trusted validation like the BBB.
You have the right to dispute any information in your credit report that's inaccurate, incomplete, or you believe can't be verified. When you order your credit report, you'll receive instructions on how to dispute credit report information. Credit reports ordered online typically come with instructions for making disputes online, but you can also make disputes over the phone and through the mail.

Here’s a good example of when a reputable credit repair service can help you do something you may not be able to accomplish yourself. If you have a collection account that’s been sold to a few different debt collectors, it can appear on your credit report multiple times. That information is accurate but having that one debt dinging your credit score multiple times doesn't meet the “fair” standard that Padawer mentioned.

"I tried buying a new car a few months ago but I could barely get approved for a loan and if I did get approved the interest rate was above 20%. I decided to give CreditRepair.com a few months to work on my credit. I re-visited the dealerships this week and thanks to CreditRepair.com my score drastically improved and I was able to qualify for a very reasonable rate. Thank you CreditRepair.com, you literally improved my way of life."

After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.
Yes they have military pricing for families as a courtesy. I used them before. Reliant has some kind of discount thing going as well, which is good because after they charge you and limit you, you get some $ off which is a relief. The dislikes on this are probably them or their fans. They don't seem to like competition which is understandable since they don't know how to compete anyway. Hope that helps.

In order to analyze credit files, identify credit reporting errors, and evaluate credit scoring, credit repair advisors must be highly trained and have some level of experience. To understand the credit scoring models and how they differ from each other, one can review the most popular credit scoring model, FICO. Known as Fair Isaac and Company, FICO can help you understand the complexities of credit scoring and the credit scoring process, including identifying potential inaccuracies, duplications, merged files, unverifiable data, and outdated data.


Getting negative and inaccurate information off of your credit reports is one of the fastest ways to improve your score. Since credit bureaus have to respond and resolve a dispute within 30 days—a few exceptions can extend this to 45 days—it’s a short timeline. The timeline is particulary important when consumers want to buy a house, get a new car or open up a new credit card and don’t have time to wait to build good credit organically.
You can manage your entire credit repair business from anywhere! Since TurboDispute has the advantage of being a cloud-based software, you will be able to access the software from whatever device you choose—desktop, laptop, phone, all you need is a web browser and an internet connection. Accomplish more in less time with automated credit dispute letters. With the “point and click” dispute letter creator, you can create customizable dispute letters fast and print them with “All Pending To Print Letters Bulk Printing” feature.
Some of your creditors and lenders might report only to one of the credit bureaus. And, since credit bureaus don’t typically share information, it’s possible to have different information on each of your reports. Ordering all three reports will give you a complete view of your credit history and let you repair your credit at all three bureaus instead of just one. 

Pyramid did not blow us away with the description of their services. Who do they contact to submit disputes? How quickly do they follow up? Which types of circumstances do they help with? Most of their competitors offer lengthy lists of exactly which types of disputes they draft and what to expect from the service; Pyramid's answers were vague at best.
A credit repair agency doesn’t technically do anything that you can’t do yourself, but the service is worth it for many people who find the DIY credit repair process time consuming and confusing. The best credit repair service combines financial education with proven techniques to remove negative items from your credit history. If your poor credit resulted from a complicated situation out of your control, such as identity theft, professional credit repair services save you time and effort.
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