Park View Credit is a financial services company based out of Van Nuys, California. The company assists consumers in boosting their overall credit scores and boasts of an 85 percent success rate with over 8 years of experience in the industry.
Park View Credit offers consumers a free initial FICO-certified credit consultation. This consultation includes case analysis, credit education, and service timeframe. No fees are charged unless the company successfully disputes and removes unwanted items off a consumer’s credit report. Other positive aspects regarding the company include:
Deletion results and customer testimonials on corporate website
Prospective customers can see what the firm has done for other consumers in their same situation.
Licensed Attorneys on staff
In some cases, having attorneys on staff readily available to help during the dispute process is beneficial.
Live customer service representative chat support
For instant communication, prospective clients can log onto the company website and ask questions to live representative.
Military discounts and numerous other discounts on services
Military personnel can get these services done at a reduced rate/cost.
The monthly fee includes dispute efforts, mailing costs, and full customer support anytime. The fees also include photocopies of credit reports and numerous other services Park View Credit is completely transparent regarding its pricing structure on its corporate website. In addition, the firm provides extensive credit education articles for consumers on its website as well as answers to frequently asked questions.
The credit restoration company has a few complaints with the Better Business Bureau. Some consumer complaints involve the billing and availability of the company’s credit repair specialists. Consumers are strongly encouraged to make sure they completely understand potential fees and the payment timeline before agreeing to services. This includes:
Park View Credit charges an initial fee to start the process.
To start the case, there is a fee charged to pull reports.
Another fee paid for the first set of disputes sent out.
For continued service, clients are expected to pay a monthly retainer.
Not Ideal for some Cases
Consumers with few deletion items may find the company a bit expensive for their needs. However, the provided services may be of benefit for those in severe credit repair need and do not want to be directly involved in the time-consuming process.
Lack of Identity Theft Protection
Park View Credit also does not have any identity theft protection services though that is not a required service for credit repair.
Consumers should take adequate time to understand all terms and conditions before full enrollment. Consumers should also be aware that no item is guaranteed to be removed from their credit reports. The company will provide a full refund should a customer remain dissatisfied with the attempts to restore their credit scores.
Frequently Asked Questions
How much does Park View Credit services cost?
$59 to pull your credit report, and will be charged for each negative item. It will be as low as $200 and up to $800.
Does Park View Credit allow me to enroll more than one person or my whole family?
Yes, if you sign up with a spouse, Park View Credit will determine which has the worse credit score and that person will receive a 40 percent discount.
How does Park View Credit repair my credit?
It will begin by reviewing your credit history, then disputing claims against you, and ending with permanently removing unsubstantial claims.
Does UpMyScore provide Credit Monitoring?
No, Park View Credit does not offer credit monitoring.
What results can I expect from Park View Credit?
Dispute letters are sent to credit bureaus, and they will respond within 30 days with the dispute results. It will show if the account has been deleted, verified, corrected or remains as is. These letters will be forwarded to Park View Credit. They will create additional disputes if needed. You will see results in 30 days and your credit repair will be completed in no longer than 6 months.
How can I contact UpMyScore?
You can contact Park View Credit using the following:
Or via the online form
Park View Credit’s website has a results tab. Once dispute letters are sent out, the credit bureaus will respond within 30 days with the dispute results. The time limit for credit repair is six months at most. The company does not have published results for most common credit score increase available on the website, but a representative for the company explained on average clients experience a 100-point increase (of course depending on what is on your credit report will determine that amount). No mention of statistical success rates for the company,or on average how many items are resolved.
Park View Credit does pricing a little differently than some of their competitors. You will not find packages to choose from but rather a fee to pull your report and then charged for each negative item that will need disputing.
- $59 fee to pull your report
- You will be charged per negative item.
- The cost for the entire program could be as low as $200 or up to $800.
- $800 is the most a client will pay, and these cases are typically those that have bigger items such as bankruptcies, repossessions, and foreclosures.
- The original $59 to pull your report will be applied to the cost of your program.
- If a client prefers monthly payments instead of one lump sum, your credit consultant can help work out monthly payments.
How It Works
Step #1: Free Credit Consultation
Call or complete the online form to have a credit specialist help you with your free credit case evaluation.
Step #2: Certified Credit Consultation
Once you are a member, a line-by-line credit history review will be performed by your certified credit analyst. The detailed analysis will provide explanations on how certain areas of your credit report may be helping or harming you, and you’ll learn about adding or supporting a positive pay history.
Step #3: Dispute Claims
Park View Credit works on the legal end of things by challenging your credit reports with legal correspondences.
Step#4: Forward Results
You will forward results sent to you from the credit bureaus. Additional disputes will be created as needed.
What to Expect when Signing Up
Before you go to signup here are a few things to expect before you visit Park View Credit’s website:
- You will begin the process with a free credit case evaluation.
- Signing up is done by phone or submitting the online form.
- The online form will ask for your name, number, and email.
- By submitting the form, you are agreeing to have Park View Credit call with the number provided.
- If you decide to become a member, you will then start the process with a more extensive credit consultation than the free consultation.
- Pricing for services is not found on the company’s website.
- Even after your credit report is pulled, you are under no obligation to sign up for further services.
What Can Be Removed?
The only items that are questionable for removal would be government issued items (e.g. students loans). Park View Credit is able to remove all negative items on a credit report. Some examples of what can be removed include the following:
- Late payments
- Medical bills