"My experience was initially great until I had a medical emergency and had to cancel my account. I cancelled my account and was told that the following payment would still be drafted of $89. As of the date that I cancelled I was unable to access my account although I was being charged another $89. I would not recommend any company that does not have a fair cancellation policy. I cancelled my account with Equifax and was still able to access my account and was not charged any extra fees."


"I just want to say how great it is working with CreditRepair.com and how much hope you guys have given me. You have made great strides in just a few short months and I am sure to reach my goal before this year is over. Whenever I call, and I call a lot, you are never too busy to talk to me and I knew from the very first interview that you truly care about your customers. With all my heart I am truly grateful."
Best of all, the majority of Ovation's customers say that they're very satisfied with the credit repair services they got through the business. Although customers are told to expect it to take several months, even up to a year, to see significant results, some clients have seen improvements within the first month of working with Ovation. And, even the customers who registered complaints seem to have gotten timely, appropriate responses from Ovation Credit Services' representatives.
Your loan balances also affect your credit score in a similar way. The credit score calculation compares your loan current loan balance to the original loan amount. The closer your loan balances are to the original amount you borrowed, the more it hurts your credit score. Focus first on paying down credit card balances because they have more impact on your credit score.
"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."
With the customer Activity Feed feature you and your staff can post updates or notes on the work performed which will show chronological notes, comments or to do for that customer. Also, separate appointment calendar system, you can track your tasks and to do’s with ease. The user task management feature gives you and your employees the ability to delegate tasks.
They may be willing to waive some of the late penalties or spread the past due balance over few payments. Let them know you're anxious to avoid charge-off, but need some help. Your creditor may even be willing to re-age your account to show your payments as current rather than delinquent, but you'll have to actually talk to your creditors to negotiate.

Advancements in technology make it much less difficult for credit repair businesses to quickly start operating a successful credit repair business. The latest software that people use in this industry is all “cloud-based,” and automates most credit repair related tasks. Thus, you can spend more time marketing and serving your customers. Also, an easy to use customer management screen will make it easy to find any customer’s credit repair history in one place.
When considering the fees, it’s important to weigh what you’re getting in return. According to the Federal Trade Commission (FTC), credit repair firms can’t legally do anything for you that you can’t do for yourself. You just have to be willing to spend the time reviewing your credit reports for negative or inaccurate information, reaching out to the credit bureaus to dispute that information, and following up on those disputes to make sure they’re being investigated.
"My experience was initially great until I had a medical emergency and had to cancel my account. I cancelled my account and was told that the following payment would still be drafted of $89. As of the date that I cancelled I was unable to access my account although I was being charged another $89. I would not recommend any company that does not have a fair cancellation policy. I cancelled my account with Equifax and was still able to access my account and was not charged any extra fees."
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.

Before the innovation and release of credit repair business software such as TurboDispute, credit repair businesses were helpless when it came to finding a manageable and efficient way to perform simple credit repair tasks. Updating client files and reviewing dispute letters were a time-consuming task that has now been easily organized using credit repair software. By investing in credit repair business software, credit repair businesses can extremely improve their functionality and efficiency all while saving time and increasing their clientele.


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.

"CreditRepair.com does a wonderful job on following through with promised tasks. I have been with CreditRepair.com for less than 3 months and have received better results than I have with any other credit repair services. The service representatives are well trained in customer service and it shows through their abilities to be patient and in answering questions thoroughly. Thank You!"


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"I must say we are pleased thus far with the work that your company is doing in our behalf. I’ll admit that initially I was very skeptical about using your company. But you are proving me wrong in a very good way. Can’t wait to see the end results. Having many folks on the sideline looking to see what happens next with us. Thank you for your hard work!"

If your debt feels overwhelming, it may be valuable to seek out the services of a reputable credit counseling service. Many are non-profit and charge small or no fees for their services. You can review more information on selecting the right reputable credit counselor for you from the National Foundation for Credit Counseling. Credit counselors can help you develop a Debt Management Plan (or DMP) and can negotiate to reduce your monthly payments. In many cases, you'll be responsible for only one monthly payment to the credit counseling service, which will then disburse funds to all of the accounts you owe on.
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