If you're in struggling with a poor credit rating, Pyramid Credit Repair might be the service to help out. There are lots of credit repair options out there but this explains what you need to know about Pyramid, so you can decide if it's right for you.
Pyramid Credit Repair is one of the newest services out there, having started in 2010, and currently is limited to certain states, so if you live in any of the following then you won't need to read on as it's not available for you: Wisconsin, South Carolina, Oregon, Ohio, Mississippi, Michigan, Maryland, Maine, Kansas, Iowa, Indiana, or Idaho. If you're in one of those states, check out our list of the best credit repair services to see if others like Credit Saint or The Credit Pros are right for you.
For those that can use Pyramid, you're going to get a higher-end price than other options but a better service to reflect that. As such you can expect a personal account manager which is also your dedicated dispute manager. You'll also get updates as your credit changes, which should be regular and real-time.
While results are promised to be fast you also get a money-back guarantee which is a reassuring confidence from the company. The lack of start-up fee is a refreshing welcome too, where others often charge a chunk on top of the monthly rate. The company specialises in fraud but covers lots more besides.
Read on to see if this is for you as we cover everything you need to know about Pyramid Credit Repair.
Pyramid Credit Repair review: How much does Pyramid Credit Repair charge?
- Singles plan: $99 per month
- Couples plan: $198 per month (first month half price)
Pyramid Credit Repair: Key figures
Cost: $99 or $198 per month for single or couples plans with a 50% discount in the first month for couples
Customer service: 24/7
Contact: Phone, email, text
Credit report: Free
Pyramid Credit Repair is very clear when it comes to pricing. This is thanks to a simple two options and absolutely no starting fees. As such you can pay for yourself at $99 per month or for a couple at $198 per month with a 50 percent discount in the first month.
The lack of start-up fees is rare in this market of services. Although this is a higher-end price on a monthly basis, so it may break even in the long run if you're paying for several months of use. Generally companies do say to give at least four months to see big changes with the overall process taking, on average, six months. But, of course, it depends on your unique credit situation and in this case Pyramid hopes to see changes in as little as 45 days.
Pyramid Credit Repair review: Personalization
- Personal case manager
- Available on the phone, email or text
At Pyramid Credit Repair you'll be assigned a personal account manager. This not only means you have one point of contact for any questions but also ensures that person is going to be directly dealing with your credit issues.
As such you can call up and expect to have your case understood without the need to explain yourself. This is great to save time but also a nice way to avoid awkward conversations if your credit history is a little embarrassing.
You can contact your personal case manager via the phone for a live chat or using email or text messages.
Pyramid Credit Repair review: Money-back guarantee
Other credit repair company reviews
- 100% money-back
- No questions asked
If, for any reason, you're not happy with the service that Pyramid Credit Repair has provided you then you can have all your money back. This is a very appealing offering that suggests the company is confident it can make everyone it serves happy.
You don't need to explain why you're leaving or fill out forms, you simply leave and get 100 percent of your fees repaid to you, no questions asked. While other services offer guarantees, none are as open and easy to use as this.
The catch? This is a 90 day guarantee. While that's the longest anyone offers it's still quite a tight time since changes often take longer. That said, Pyramid does say you can expect to see changes as early as 45 to 60 days from the dispute being filed.
Pyramid Credit Repair review: How does it work?
- Three step approach
- All credit bureaus covered
To start, you get a free case evaluation by a credit repair expert. This is done over the phone with a few short questions to get you started. If you choose to use the service you then schedule a virtual meeting with your dedicated account manager.
In this one-on-one session you get a dedicated analysis of your credit report. You will need to forward any credit reports from before you became a client and then since. Once the plan is in place it's down to Pyramid Credit Repair to start the dispute process.
Pyramid will find a Golden Number which is what it calls the credit score it wants to aim to get you to.
Professional and customized dispute letters are then sent to the three credit bureaus, Experian, Equifax and TransUnion, to have negative items removed.
Each time there is a change that result in progress you will be informed by Pyramid as well as the bureau itself. These usually start to happen between 45 and 60 days from the initial dispute filing. By law credit bureaus have to complete their investigations within 30 days.
Pyramid Credit Repair review: Fraud support
- Quick turnaround
- Damaging entries removed
Pyramid Credit Repair offers great support for instances of fraud. Not only does this mean removing potentially damaging entries on your credit report but also identifying potentially fraudulent ones.
As a result you should be able to expect a quick turnaround on lots of items, especially if fraudulent. Also, if the company finds any suspicious activity or any erroneous claim, you'll be informed right away.
Pyramid Credit Repair review: Online support
Pyramid offers lots of online support. Primarily you get a login to an online portal where you can access all your case information 24/7. But there's more in the form of education.
The Pyramid website is full of useful blog posts and FAQs with plenty of information on credit repair. As such you should be able to follow what's going on clearly, while learning how to further improve your credit score. It should also mean you won't need to worry about credit repairs in the future as you'll know how to avoid the issues in the long run.
Pyramid Credit Repair review: What users say
- Trustpilot score of 4.5
- BBB gives NR
The Trustpilot score for Pyramid Credit Repair is an excellent 4.5 out of a possible 5. This is thanks to 92 percent excellent reviews, seven percent as great and just one percent as bad. However that is based on just 74 reviews at the time of publishing this.
The BBB, Better Business Bureau, only has the company listed under its alternative business name, Credit Concierge Services, which has a No Rating (NR). This is due to the infancy of the company, so while it appears decent it's still very early days, relative to the competition.
Should I choose Pyramid Credit Repair
Pyramid Credit Repair is one of the more high-end priced services but for that you do get a dedicated account manager who will be with you throughout the process. There is a discount for couples but other than that the pricing is nice and simple with no upfront fees or hidden charges.
The online educational resources and personal account portal are both very useful for keeping you informed while emails and text alerts can be used to alert you to any changes.
The guarantee is excellent with 100% money-back promised for 90 days which supports the claims that account improvements should happen in as little as 45 days after filing. The downside is this is still a young company with a limited track record, but with that guarantee it could be well worth taking a chance.