• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
SavingFreak logo

Saving Freak

Learn to Save, Make, Invest, and Protect Your Money

  • Save Money
  • Make Money
    • Make Money Fast
    • Paid Surveys
  • Manage Money
    • Budgeting 101
    • Insurance
      • Identity Theft
    • Taxes
      • Tax Software
  • Invest
    • Bonds
    • Commodities
    • ETFs
    • Mutual Funds
    • Peer to Peer
    • Robo-Advisors
    • Retirement
    • Small Business
    • Stocks
    • Low Risk
    • Short Term
    • Long Term
  • Credit
    • Credit Repair
    • Loans
  • Show Search
Hide Search

Pyramid Credit Repair Review – Get Professional Help with Your Credit

Last Updated: May 24, 2022 By Paul Moyer

Advertiser Disclosure ▼
SavingFreak.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full disclaimer. SavingFreak.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.

Your credit score has a bearing on your mortgage, the interest rate you’re likely to be offered for loans, your insurance premium and more. Like it or not the avenues where credit scores have become part of the screening process are ever expanding.

A credit repair service like Pyramid Credit Repair can be of assistance in such a situation. They will help you identify rectifiable issues in your credit report and handle disputes on your behalf with lending companies and other creditors as well as the credit bureaus.

Quick Navigation

  • How it Works
  • How They Help
  • Plans and Pricing
  • Alternatives
  • Company History
  • Pros
  • Cons
  • Final Thoughts

How Pyramid Credit Repair Works

First, you need to sign up for the service. You will get a free assessment, which essentially means that your credit report (accessed from the three major credit bureaus) will be analyzed and you will also get a call from a representative assigned to your case.

To proceed further, you will have to purchase a monthly plan.

  • Step 1: You pay for the plan.
  • Step 2: The account manager assigned to your case will get in touch with you to explain what they have learned after analyzing your credit report, and to further learn about your primary financial goals and your current credit/debt situation.
  • Step 3: With the necessary details the credit team at Pyramid will begin work on your credit report. The incorrect/questionable items in the report will be unearthed by dispute experts and brought to the notice of both the creditors and the credit bureaus. If the mistakes are clear then often the credit bureaus and creditors take immediate action and remove the said items from the report. In more complicated cases, it might be necessary to fall back on consumer protection laws to enforce the changes.

You can keep track of any items challenged by Pyramid, on your behalf, with either a creditor or a credit bureau on your dashboard.

Sign up with Pyramid Credit>>

pyramid credit repair review

What Kinds of Credit Problems Can They Help With?

Suppose you moved houses and informed the phone company about the change of address. However, the company failed to update their system, and the next bill was sent to your old house. Since you didn’t get the bill, you don’t pay it.

This non-payment of the bill is added to your credit report. Pyramid can help you get in touch with both the phone company and the credit bureau and ensure that this non-payment strike is removed from your report, as it’s not a result of your fault.

Similarly, there are several other situations where such incorrect items get added to your credit report and affect your creditworthiness.

  • Charge-Off: Credit card companies often jump the gun in adding a charge off declarations, which reflect poorly on your credit score. Charge-off declaration essentially signifies that the credit card company doesn’t expect to recover the debt from you.
    Even if you missed repeated payments and the charge off declaration was rightly added, it’s still possible to negotiate and get it removed from your credit report, if you can now make the payment.
  • Past Due Account: The Fair Credit Reporting Act mandates that past due accounts can stay on your credit reports for a maximum of seven years from the date of delinquency. Collectors are notoriously known to change the first date of delinquency to extend it.
    These changes can be disputed and removed from your credit report by following the proper procedure.
  • Tax Liens: In April 2018, new rules for credit reporting came into effect that mandated the removal of all tax lien strikes from consumer credit reports.
    The rule change came about as a result of a study carried out by the Consumer Financial Protection Bureau and applies to the three main credit bureaus – Experian, Equifax, and TransUnion. The FICO Score is based on data from these credit bureaus.
  • Late Payments: If a late payment(s) is incorrectly marked to your credit report, you can dispute this with both the creditor and the credit bureaus and get it removed. If, however, you indeed were late on your payments, there’s still a slim chance of getting it removed. In this case, you only get in touch with the creditor/lender and request a ‘goodwill adjustment’.
review of pyramid credit repair

Plans and Pricing

Pyramid offers two plans. The services in both plans are the same, but one is geared towards individuals and the other towards couples who make certain payments together.

Don’t be stuck on the word couples. What it means is if you make mortgage payments or car loan payments together, irrespective of whether you’re married or not, this plan is ideal for you.

  • Singles: A personal account manager is assigned to your case, correspondence and dispute claims with the credit bureaus and creditors are taken care of, and you get access to tools to calculate debt payments and for personal finance management. Plus, you can keep track of all activities on your account through a personal dashboard. This plan is priced at $99 per month.
  • Couples: The services remain the same as the Singles plan. The additional service is that you will be able to share your credit report with a partner, compare them and work towards improving both credit scores with the help of the account manager. This plan is priced at $198 per month. Also, you get a 50% discount in the first month.

Pyramid offers a 90-day money-back guarantee.

Start an account with Pyramid Credit Repair>>

Alternatives

With credit becoming an increasingly important part of our lives, there are more companies than ever willing to help you fix your credit history. These are the top competitors to Pyramid Credit.

Lexington Law – This is the most well known credit repair company in the USA. Lexington Law is frequently referred as a top service.

CreditRepair.com – Touting themselves as the top online credit repair solutions, CreditRepair.com does not have any personal service. The entire process is handled online.

The Credit People – Listed in my top credit repair services because of their 7-day trial for only $19.99.  The Credit People is a top competitor of the credit repair services.

Company History

Pyramid Credit Repair was founded in 2010 and is headquartered in New York. It is comparatively a new entrant in this space but is trying to bridge that by working new methods.

Pros

  • Competitive pricing
  • Cancel at any point you like
  • Money-back guarantee

Cons

  • It’s a relatively new company
  • No credit score tracking option

Pyramid Credit Repair Review Final Thoughts

Pyramid Credit has firmly established themselves as one of the top repair companies in the USA. Their personalized approach sets them apart from their competition.

If you are looking for help in getting your credit report in order, Pyramid will treat your situation with care and make sure all steps are well communicated.

Start repairing your credit with Pyramid>>

First Published December 15, 2018

About Paul Moyer

Paul Moyer is the owner and Founder of SavingFreak.com. He is a licensed insurance agent, personal finance blogger, and financial coach. With the help of with his wife Amy, Paul has been debt free since 2006.

Reader Interactions

Comments

  1. Jim Blane says

    January 2, 2019 at 4:04 am

    Thanks for the review, Paul. I have been meaning to try out one of these credit repair services for the longest time especially now that I have plans to get an apartment this year. I had considered creditrepair.com for some time but then I saw some negative reviews. Think I;ll check Pyramid and see if it looks like it will do the job. Thanks.

Leave a Reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Let’s Connect!

  • Facebook
  • Instagram
  • Pinterest
  • Twitter

Table of Contents

  • How it Works
  • How They Help
  • Plans and Pricing
  • Alternatives
  • Company History
  • Pros
  • Cons
  • Final Thoughts

Saving Freak

Copyright © 2023

  • Home
  • Blog
  • About
  • Recommended Resources
  • Disclaimer
  • Cookie Policy (US)
Manage Cookie Consent
To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}