Pyramid Credit Repair Review 2022 | Fees, Complaints & More

Are you struggling to improve your credit score despite your best efforts? Read on to learn more about Pyramid Credit Repair, their services, client reviews, costs, plans, and other features.

Company Background 

Pyramid Credit Repair began in 2011 as a self-help software-based credit repair service. Since then, the company has developed into a full-service credit repair company, with fraud being their expertise. They have provided reliable credit repair services to many clients. The company headquarters is in the Greater New York Area on the East Coast, but they also have teams in California and Delaware.

Reputation, Complaints, & Ratings

Pyramid Credit Repair has not received a rating from the Better Business Bureau.

The company scores 3.1/5 on Trustpilot. Out of 89 reviews on Trustpilot, 81 customers rated Pyramid Credit Repair as excellent. There were two complaints from two years ago about customer service and misinformation but none in 2022. 

On the Sitejabber portal, Pyramid Credit Repair scored 5/5 stars. They garnered 4.9/5 from 179 reviews on Trustspot.

There are no complaints about Pyramid Credit Repair on the Consumer Financial Protection Bureau (CFPB) so far, which may or may not be a good sign. Few complaints on CFPB do not necessarily indicate that a business has a solid reputation, so we recommend you do your own research.

  • TrustSpot: ⭐⭐⭐⭐⭐ (4.9/5) Based on 179 reviews  
  • Sitejabber ⭐⭐⭐⭐⭐ (5/5)
  • Trustpilot ⭐⭐⭐ (3.1/5) Based on 89 reviews
  • Facebook: ⭐⭐⭐⭐⭐ 4.9 Ratings - Based on 107 reviews

What credit repair services do they offer?

The Pyramid Credit Repair plan provides status updates, round-the-clock phone help, and a no-hassle cancellation policy.

A free evaluation of your credit problem is the first step in the process, which requires a current copy of your credit report. It’s mandatory to obtain your free three-bureau credit report beforehand. Then, an expert from Pyramid Credit Repair will guide you through the process.

Credit reports from the three bureaus

Since not all credit information may be available in each bureau's report, this step is essential. For instance, a collection reported on the Experian credit report might not get reported by TransUnion and Equifax. An effective credit repair requires access to data from all three credit bureaus.

Your credit report includes the following details:

Money-Back Guarantee

Consider a scenario in which Pyramid Credit Repair could not modify your credit score or resolve any outdated, incorrect, incomplete, and unverifiable information on your credit reports. In such cases, the company offers a 90-day money-back guarantee.

You may receive refunds within 5-7 business days after the request, and accounts with a valid credit card are paid. You have the option to cancel at any time. You can be required to pay a final settlement for services that have already been rendered and completed.

Security of Pyramid Credit Repair

Pyramid Credit Repair will never divulge your credit information to a third party without your permission. It does not provide any information to law enforcement without a legitimate court order. Your credit history is also safe under federal law, so you shouldn't worry about it.

Discounts For Pyramid Credit Repair

In addition to offering discounts for teachers and veterans, Pyramid Credit Repair also gives couples 50% off on the first month's payment. Teachers get 15% off each month, whereas veterans will get a monthly 20% off.


A professional credit analyst will evaluate your reports with you and assist in locating the negative items damaging the integrity of your reports as a whole.

Personal Account Manager

Pyramid Credit Repair uses three steps to repair credit. 

They assign a competent Personal Account Manager who works with you throughout the process. It’s one of the most significant aspects of the Pyramid Credit Repair service.

The service offers a database and a reliable platform to build a personalized plan to assist you in resolving your credit issues.

Additional services

For cases of fraud, Pyramid Credit Repair provides excellent assistance. Aside from providing their skills to identify potential fraud, they also assist in removing any errors from your credit report. You are notified immediately if the company discovers any proof of questionable behavior or an incorrect claim.

Pyramid Credit Repair Basic Plans

Pyramid Credit Repair provides two credit repair options and identity theft protection:

Singles plan

With this plan, you can cancel whenever you wish, create your repair schedule, and avoid signing any contracts. There are no additional fees. They provide a customized plan, round-the-clock customer service, and anytime cancellation.

Couples plan

This plan offers tailored service for two persons, couple-specific financial tools, no contracts, and service cancellation anytime. We recommend signing up simultaneously if you are signing up with your spouse and have a joint account. You can register for a couple's discount with a friend, a family member, or your significant other.

The turnaround time is sped up by maintaining distinct accounts.

Identity theft protection plan

The identity theft plan keeps track of your credit reports from the three major bureaus and alerts you about any unexpected transactions. Moreover, it searches the Dark Web to determine whether your personal data was compromised.

Pyramid Credit Repair has no recurring contracts or hidden fees, and its services will not charge start-up fees, setup fees, or cancellation fees.

Pyramid Credit Repair Fees

Pyramid Credit Repair provides both individuals and married couples with two options.

Individual plan: $119/month

This plan will provide you with:

  • Customized plan
  • Round-the-clock phone support

Couples Plan: $198/month

This plan gives you:

  • Customized service for two
  • Financial resources for couples
  • Round-the-clock phone support

24/7 Protection: $29.99/month

This identity theft protection plan includes:

  •  Monitor 3 bureau scores and reports
  •  Dark Web surveillance
  • $25k in insurance against identity theft

Pyramid Credit Repair offers a hassle-free credit repair service with the option to cancel anytime without the need to fill out any paperwork or sign contracts. 

Based on your credit circumstances, you can see an improvement in your credit status within 45 days. It takes longer for worse credit scores or cases – between 4 to 6 months.

What we like about Pyramid Credit Repair

  • Money-back guarantee:

    Pyramid Credit Repair provides a 90-day, 100% money-back guarantee if you are unhappy with their service.

  • Dedicated Personal Account Manager:
    You are assigned a professional account manager who will look for a suitable financial solution and a plan to improve your credit score.
  • Direct interaction: 

    Pyramid Credit Repair keeps in touch with you directly and updates you on the removal of negative credit items.

  • Many removable elements:

    You can get negative items on your credit reports like charge-offs, liens, collections, late payments, bankruptcies, delayed payments, repossessions, judgments, identity fraud, and foreclosures removed.

  • Quick, legitimate, and successful credit repair:

    Pyramid Credit Repair usually produces preliminary results in 4 to 6 weeks, though every case is distinct.

  • No cancellation fees:

    There are no cancellation fees.

  • Excellent testimonials from clients:

    Several customers praised the responsiveness, 24/7 support, and exceptional customer service of Pyramid Credit Repair.

  • Personalized service:

    Each account manager handles no more than 30 clients, so you will get responses quickly. Your account manager could give you their contact number in case you need to message or call them after office hours.

What we dislike about Pyramid Credit Repair

  • Unlike its rivals, Pyramid Credit Repair charges a higher monthly premium.
  • Pay-per-deletion plans are not available.
  • Their services are not available in Idaho, Indiana, Iowa, Kansas, Maine, Maryland, Michigan, Mississippi, Ohio, Oregon, South Carolina, and Wisconsin.
  • It is not on the Better Business Bureau list of rated businesses.


What is the average time Pyramid Credit Repair takes to repair your credit?

This varies because every situation has a unique personalized plan of action based on its requirements. On average, Pyramid Credit Repair experts and customers notice favorable results after four months.

The time it takes for customers to see positive changes in their credit has significantly decreased due to the implementation of patented tactics, analysis, data, and expertise.

Can I repair my credit by myself?

You can begin the credit repair process on your own by making changes now. However, this is a long process and requires a lot of focus, information, patience, and stellar bargaining skills.

What information should I check in my credit report?

Here is an overview of what to look for when examining your credit report:

  • Verify the validity of all dates, account statuses, balances, and payment histories for open and closed accounts.
  • If you find any inaccuracies, as is likely to happen, you have the right to dispute them with all credit reporting agencies.
  • You must ensure that the section which includes your social security number, all listed addresses, and other sensitive information, is accurate because it could get compromised.
  • You must challenge any incorrect information as hard inquiries are recorded on your credit report for two years.
  • Monitoring the public records section is particularly important because it can harm your creditworthiness.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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