Pinnacle Credit Repair (also known as Pinnacle Credit Management) uses artificial intelligence (AI) to fix credit ratings quickly. They combine manual document work and automated processes to ensure clients receive the best possible results. In this post, you will learn more about Pinnacle Credit Repair, including their ratings, services, and fees.
Founded by current CEO Andre Nguyen, California-based Pinnacle Credit Repair has local offices in the San Francisco Bay Area, New Jersey, and New York City. They are a trusted company that uses an innovative approach to leverage automated processes and AI in the credit repair process.
Reputation, Complaints & Ratings
Pinnacle Credit Repair is a legitimate and trustworthy company based on the reviews. They are completely forthright on their site regarding what can and cannot be achieved regarding your credit rating. The firm also claims to notify all their customers regarding their rights within the CROA (Credit Repair Organizations Act.)
Pinnacle Credit Repair has received high ratings from independent reviewers such as TrustPilot and Customers Advocate. Most of the independent customers reviews online are positive.
- BBB Rating: ⭐⭐⭐⭐ (4.1/5) Based on 23 reviews
- BBB Complaints: 5 complaints closed in last three years
- Trustpilot ⭐⭐⭐⭐⭐ (4.4/5) Based on 43 reviews
- Google My Business: ⭐⭐⭐⭐⭐ 4.4 Ratings - Based on 40 reviews
What Credit Repair Services Do They Offer?
Pinnacle Credit Repair may be smaller company than other credit repair companies, but it is fast making a name for itself. They use ACAT (Automated Credit Analytic Technologies), a proprietary software based on traditional legal dispute language. ACAT disputes and engages the legal system quicker and more aggressively than 10 people working around the clock.
The company claims to have handled disputes at least 85% faster than other companies. However, this could not be verified through real reviews. The basic idea is that ACAT scours the credit report to analyze a customer’s credit history. All three credit reporting agencies (TransUnion, Experian, and Equifax) are synced with the proprietary computer system.
ACAT looks for specific reporting errors and irregularities in credit files. They offer full service unlike other credit repair companies. The software is synced with Chexsystems to target all negative items on the report instead of only a few as is the case with most other companies. Pinnacle Credit Repair uses a special federal procedure which is available only with licensed attorneys.
While there are no guarantees, most clients see a 90-point improvement in their credit scores in just 30 days. There is one flat fee, which means you don’t need to worry about monthly bills. The software analyzes the credit report for irregularities and issues immediate disputes against those.
This AI-driven repair model generates quicker results compared to traditional credit repair processes. A lot of time is wasted on mailing letters, waiting for a reply, and issuing new letters. Pinnacle Credit Repair promises to increase credit scores significantly within 30-60 days. However, the reasons for a poor credit score need to be illegitimate. The company makes this very clear.
Legitimate negative items on the credit report include:
Pinnacle Credit Management won’t be able to help with these legitimate negative items. However, if your poor credit score is due to errors and inaccuracies, the company may be able to help. Most credit scores are dragged down because of amateur mistakes. For instance, closed accounts may still be reported improperly or payments made on time were mistakenly reported as late.
Pinnacle Credit Repair is geared to clean such inaccuracies. You may be able to notice a drastic increase in your score if these items are deleted. The company can help only if your bad credit is due to errors and inaccuracies, and not because of poor decisions.
There are two plans offered by Pinnacle Credit Repair. You get a credit mentor as part of the package to guide you through the credit rehabilitation. Credit mentors are similar to personal credit gurus with an inside track on different credit options and loans, such as bank loans and auto loans.
Pinnacle Credit Repair offers two levels of service. Both levels use ACAT. When you sign up for “Hire Me Personally”, you get one-on-one consultation sessions and tips from founder and CEO Andre Nguyen.
Fast Track Elite
This is a completely automated program. The software system works with the three credit bureaus to have your credit rating improved until you cancel the account. This service has a one-time enrollment fee and a monthly membership charge. On average, clients notice improvements within 3-6 months. The plan uses AI to dispute inaccuracies.
Hire Me Personally
This is more expensive than the Fast Track Elite plan. Moreover, you get tips on repairing your credit rating while improving your existing credit score. You will gain access to a credit mentor that guides you through the rehabilitation process. In most cases, almost 80% disputed credit issues get rectified in the first 15 days.
Pinnacle Credit Repair Fees
Fast Track Elite is the more affordable option with a one-time enrollment fee of $199. You also need to pay a $99 fee every month until you cancel the membership. There is a 120-day money back guarantee if there are no improvements in your credit score.
Hire Me Personally seems like an expensive package at the outset. Depending on your individual case, it may cost anywhere from $1,500 to $2,500. This is a one-time flat fee, so you don’t need to worry about monthly subscriptions. There is no money back guarantee with the Hire Me Personally plan, but the majority of clients see noticeable improvements.
What I Like About Pinnacle Credit Repair
There are a lot of things to like about this innovative credit repair firm. Their use of an automated software and process to dispute inaccuracies enhances trust and confidence. You don’t need to worry about any negative items getting missed from the report. In addition, the company is very candid about what they can and cannot do.
There are no false promises and guarantees. They clearly mention on their site that if your bad credit is because of poor decisions in the past, there is nothing they can do about it. They can only take care of errors, inaccuracies, and such. They also notify clients about their rights under the Credit Repair Organization Act (CROA).
Their turnaround times are pretty fast. You should be able to see results in just 15 days if you sign up for the Hire Me Personally Package. You also get connections to multiple lenders if you want to start repairing your credit process.
What I Do Not Like About Pinnacle Credit Repair
One of the primary drawbacks is that Pinnacle Credit Repair asks for an upfront fee running in the thousands if you want a human handling your account. While there are no monthly subscriptions in the Hire Me Personally plan, you may not be willing to invest $1,500 to $2,500 in a relatively new company.
That the company is relatively new is another disadvantage. There is not enough available information regarding past customer reviews and rating. There is also no rating listed on Better Business Bureau regarding the company.
The major difference between the two packages on offer is that a software handles your account in Fast Track Elite and you get consultations with Andre Nguyen when you sign up for Hire Me Personally. Fast Track Elite is recommended for individuals looking to repair their credit score. Hire Me Personally is for individuals who want to improve their overall credit score in the long run and not just fix mistakes.
You should be able to notice improvements in your credit score in just 15-30 days. Traditional credit repair firms generally take 45-60 days to rectify these errors. The Fast Track Elite program has the highest deletion ratio. More than 80% negative items can be removed from your credit report in just 15 days.
The company has one of the best money-back guarantee policies in the industry. You can cancel the services anytime you want. You are entitled to a full refund if you don’t see at least four improvements in your credit score after 120 days.