Pinnacle Credit Management Logo

Pinnacle Credit Management

check_circleVerified

star star star star star_half
86 User Reviews

5.7

Overall Score

LAST UPDATED: September 2nd, 2021

Pinnacle Credit Management is a credit repair company headquartered in New York. 

Instead of relying on traditional dispute methods, the company uses specialized artificial intelligence (A.I.) software that has provided relatively quick negative/inaccurate item deletion results.

The credit repair company offers a free credit consultation, credit monitoring services, personal credit mentors, and a money-back guarantee policy.

Read on to learn more about Pinnacle Credit Management's credit repair services.

Top Ranked Companies

thumb_up

The Good

  • Fast Track Credit Repair Process
  • Straightforward Refund Policy
  • Credit Monitoring Service Included
  • Multiple Lender Connections
  • Free Online Educational Resources

Fast Track Credit Repair Process

Pinnacle Credit Management provides a fairly fast credit repair process in comparison to what many other companies provide.

Potential customers can start by receiving a free credit report evaluation from Pinnacle Credit Management.

After the free credit report consultation, the company will perform a complete credit audit of the major credit bureaus like Experian, TransUnion, and Equifax.

Pinnacle Credit Management offers clients two program options — the Fast Track program and the Fast Track Elite program. Both programs involve faster-than-average credit repair, credit monitoring, credit mentoring, and a free credit report.

The company states online that its Fast Track Elite credit repair service provides an average 80 percent deletion ratio within the first 15 days of service, which is faster than most companies in the credit repair industry.

Straightforward Refund Policy

Pinnacle Credit Management offers a three-step refund policy.

Refunds are provided after the 90-day enrollment period. If a consumer wishes to receive a refund once their 90-day period has ended, they will need to directly contact the company and officially request a refund, which will take five to six business days to process.

Customers can cancel their Fast Track credit repair service with Pinnacle Credit Management at any time since there is no binding customer contract.

Potential clients should note that the company offers a 120-day satisfaction guarantee for Fast Track Elite members.

Credit Monitoring Service Included

Unlike many other credit repair companies, Pinnacle Credit Management includes a credit monitoring service in its credit repair programs. Because of this, clients won't have to worry about paying extra for an external credit monitoring service.

In addition to the credit monitoring service, clients will also receive a free credit report and assistance from a personal credit mentor.

Multiple Lender Connections

As part of its credit repair process, Pinnacle Credit Management connects account members to all of their lending partners.

The company states that each of its credit mentors has individual relationships with lenders which can help clients. These relationships with banks, auto lenders, lenders, and credit unions often lead to clients receiving exclusive promotions (as long as they are backed by one of the company's credit mentors).

Overall, customers connected to lenders through Pinnacle Credit Management may find it easier to obtain lender approval than they would with other companies in the credit repair industry.

Free Online Educational Resources

Unlike some companies in the industry, Pinnacle Credit Management offers various on-site article resources for customers to read.

These resources are great for those interested in learning more about credit bureaus, how to raise their credit score, maintain their good credit, and improve their overall financial situation.

thumb_down

The Bad

  • Limited Website Information
  • High One-Time Costs

Limited Website Information

Pinnacle Credit Management does not seem to provide potential customers with enough information on its website. Specifically, the company does not explain, in detail, its unique A.I. system and does not go into great detail online regarding its partner-related lender program. 

Those who have questions relating to these two aspects of the company’s credit repair process may have to contact the company directly to receive the information they are looking for. 

High One-Time Costs

Although Pinnacle Credit Management does not appear to charge clients monthly fees, the credit repair service does make clients pay fairly high one-time fees for its credit repair programs. Meanwhile, many other companies in the credit repair industry either do not charge a one-time fee or charge a lower upfront fee for their credit repair service.

That said, Pinnacle Credit Management claims to have significantly faster credit repair processes than most companies in the credit repair industry which may be the reasoning behind the company's higher pricing.

gavel

The Bottom Line

Pinnacle Credit Management offers quite a few impressive products and services in terms of credit repair.

The company has a simple, three-step credit repair process, offers a three-step refund policy, provides a personal credit counselor/free credit coaching, financial opportunities, and connects each customer with lenders, which can get customers approval for an auto loan, personal loans, and more.

The credit repair company also offers credit monitoring and credit mentoring services along with a few free educational online resources that each customer can use to learn more about credit score management, credit repair, and more.

Unfortunately, the company does not appear to provide some needed information on its website and charges a fairly high, one-time payment for its credit repair services.

If you are looking for a quicker-than-average credit repair program, Pinnacle Credit Management may have what you're looking for. That said, we encourage you to visit Pinnacle Credit Management's website, directly consult a company representative, and read several Pinnacle Credit Management reviews before making the decision to officially enroll.

View Best Credit Repair Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.5

star star star star star_half

86 Reviews

Review Breakdown

5 grade

85%

4 grade

0%

3 grade

1%

2 grade

1%

1 grade

13%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star star star star

Ben Eleanor Los Angeles, CA

Tammy, does a great job at really honing into all of the inaccuracies on your credit. I was surprised to find that the inaccuracies that Tammy saw were not as apparent as the obvious things such as collections that were not accurate, or late payments that I was not late on E.T.C. You'd be surprised at what they might find for you that's keeping you from getting some of those tough accounts off. I needed a full credit makeover and had to remove this Bankruptcy I filed early this year so I started looking for companies and I found this company. When I found Pinnacle in january 2021, we were in quite the low place. We had found a house we wanted to place an offer on and couldn't because of my credit score and the BK. I contacted Pinnacle, spoke with Andre, and started the program. The next day we were talking about my situation. I appreciated that Andre did not sugar coat things he was upfront and honest which I personally appreciate. To keep a short story and short story my score skyrocketed 120 points in 20 days. That being said there is work that is required on the customers end (Filling out one form, and forwarded about 6 emails to Andre), but if you are willing to put in that VERY LITTLE EFFORT then the service will improve your score and your future. Since joining the program I have been able to buy a home at the best interest rate the bank had to offer. I can't say thank you enough!

2 months ago

star star star star star

Trenton S Los Angeles, CA

I have been dealing with Pinnacle for three weeks and I was told that this company was a scam by a few people and that they don't work on your credit.Well let me say they are not, they did follow through with everything that I signed off on and talked about in our consultation. Andre and Pinnacle has gone above and beyond to do the right thing which is removing my repossessions, and several charge offs that I thought I could never get off (other companies could remove them). I learned more that I knew before with the credit building videos that had send to me. I have to say 100% I would recommend them to anyone that needs to build their credit fast.Therel team have been nothing but professional and friendly and I can’t thank the whole team enough. Great job Fresh Start.

2 months ago

star star star star star

Avery Seattle, WA

Sometimes bad things happen to responsible people, myself included. I was really good with my finances and had a very good credit history for so many years until I went through a very difficult financial issues due to a separation/break up from a 9 yr relationship and brought almost everything down the drain. I struggled for quite sometime in trying to get my finances back on track. With God's grace, I was able to pick up myself and was able to keep up with my financial responsibilities, but... as many of us know, when it comes to cleaning up credit, and getting our credit score numbers back up again, not only that it can take years(that of course with charge offs & collections) but also very time consuming to deal with the merchants/collection agencies and so on, but not so much in my case. Thanks to Best Company I found Andre at PCM, which was a God sent, as it only took a few weeks to get my credit history all PCM straightened out and my credit score to climb up. Yes, like some of us here, at first I was very skeptical about such service, but I decided to give it try since in my case, I knew it was worth a try, especially with a free consultation. Andre was very thorough from the first time we spoke & thru the whole process. Bottom line, you get the service and the results of what you pay for, not to mention, you get a lifetime membership. Yes, it is as good as it seems! Again, in my case, I am very thankful that I came across Andre/PCR as I can truly say that it's one of my many blessings! Thank you again Andre for such great guidance and service!

3 months ago

star star star star star

Ortiz m

Probably one of the greatest things that happened to me within the past 2 years pinnacle credit repair was able to remove roughly around a 1000 discrepancies off my credit report I wish I could attach a picture to this review but I can't I have attached my credit report a picture of it to my Google review please be sure to check it out it's underneath my name ortiz I'm really glad to share this review I'm happy that I joined the fast track elite program it worked out for me I hope it works

3 months ago

star star star star star

Hanna Los Angeles, CA

I am a happy customer of Pinnacle Credit, I contacted this company in June this year and now being the beginning of August I am seeing 60 accounts removed. I have attached the first report we pulled below. My score did boost up but as you can see there is more to come. Removing 60 accounts didn't boost my score as I thought. Andre has me watching is credit building course and I'm on lesson 3. Overtime my credit will improve and I'm glad I joined his program. I will continue to boost my score by applying the credit building methods in the course. Thanks

3 months ago

star star star star star

Samantha C Los Angeles, CA

I give five stars to reflect my satisfaction of the professionalism I received although I'm not a total success story because my credit is still being worked on. I hired Pinnacle Credit because of the amazing reviews, my only goal in this arrangement was to get some late payments off and to remove a collection account. Andre was able to remove all of my inquiries and the collection off of only two credit bureaus during the first month, and the late payments took 4 months.... The goal was to get them removed in two weeks like I saw on youtube but he's right about the situation. Not everybody has the same circumstances. Not entirely what I expected but I understand things take time. Thanks my score increased 80 points using the service

4 months ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Thanks for leaving us this awesome review Samantha

Aug. 4th, 2021

star star star star star

RJK Auburn, CA

I highly recommend Pinnacle Credit Repair and I am happy to have found my Credit Coach Andre, and this awesome company. I went on a search recently for a good credit repair company. My credit was a mess after some bad choices over the past year and I wanted to find a company that could work fast so that I could get my life back on track. When I found Pinnacle Credit Repair what caught my eye was their claim to be the fastest in the industry. I know credit repair can be tricky, tedious and lengthy process, and I needed help. I was skeptical that credit repair could be fast and I knew nothing about Pinnacle except what their site claimed. My skepticism was quickly alleviated after a phone call I had with my credit coach, Andre. He totally put me at ease and answered all of my questions intelligently and clearly as to how the process would work. Since our initial chat, he has been very instructive and timely answering any further questions I’ve had. He also has a great video program that I got upon signing up with Pinnacle, that is really helpful in understanding the ins and outs of the credit repair process and industry. Within the first couple weeks with Pinnacle, through alerts from my credit monitoring service and other emails associated with my credit file, I could see that Pinnacle was working on fixing my credit, bringing my score up and removing inaccurate entries and unnecessary information from my report. Now I’m 3-4 weeks in after signing up with Pinnacle and I’ve seen items disappear from my report and the most amazing part is that my score has jumped up over 100 points in under 30 days. I feel very confident that Pinnacle and my coach Andre can help me get anywhere I want to go with my credit. These guys are skilled beyond what I’ve seen in the industry and most importantly to me, they have been good at communicating, very fast and thorough at getting me results, and skilled in ways that I know as we move forward, will be helpful for me to get to my business and property purchasing goals using my strong credit for leveraging. Thanks guys at Pinnacle Credit Repair. RJ from California

7 months ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Thanks a lot Mr. kaminski we appreciate this review it’s people and clients like you that we really really love to help I’m glad things worked out and we will continue to show you great progress on your credit as you apply or strategies that we provide you this is a journey that we can walk together on

Apr. 22nd, 2021

star star star star star

Delip Sharkar Dallas, TX

t took five months to take care of my credit I was expecting results much quicker due to the positive reviews called me I was losing faith but they pulled through. From my experience credit repair is a technical process how much you have to go back-and-forth my agent had sent out probably over 10 disputes within the first two months I got a bankruptcy off that was a few years old and some inquiries. My main concern was seven teen late payments on my second mortgage refinance was killing my credit. Started at 6:40 and now the score is 787. Being a member a fast track elite was all in all a good experience I like the fact I was given some instructional videos on how to build my credit some of those videos were helpful and some of the stuff I didn’t really quite understand. Thanks for pulling through!

7 months ago

star star star star star

Catherine Belier Dallas, TX

Andre is amazing! I contacted him through the website to see if he could help my husband and I since we are trying to buy a house and want to make sure our credit is in order. He responded extremely quickly and explained how 1 item was due to fall off on it's own and how to dispute it if it didn't and everything else looked great. He did n't try to convince us how we needed his services or to sign up for some monthly service like another company had tried to do. Will keep his contact information to make sure and refer anyone who may need help!!

7 months ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Happy to have helped you and looking forward to seeing good things to come for your future

Apr. 25th, 2021

star star star star star

Erica ngo Ho Chi Minh City, SG

Scores when started: Transunion 401 Equifax 420 Experian 609 Scores after 7 days: Experian 700 Equifax 720 Transunion 698 Andre has serious skills when it comes to credit. I tried to fix my own credit and ended up making it worse. Going through a divorce was in a pretty thing. I’m an independent single mom and I can’t afford to have my life in jeopardy due to a stupid score. That stupid score well was a super score now is a smart score! Thanks Andre about out to my fellow Việt bro! 😍👏🏾

7 months ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Erica thank you so much for this sweet review we are very pleased to have helped you looking forward to working together further

Apr. 22nd, 2021

star star star star star

Paul Schafer Ho Chi Minh City, SG

i’m not really a fan of reviews as people can be partial but I had to leave a review because this company did everything that they said they would do in the timeframe I promised. I knew that every client file and situation is completely unique but I took the risk and I’m leaving this five star review for good reasons. I’m really pleased to have a 700 fico score and looking forward to learning more or Andre’s advice and credit building strategies

7 months ago

star star star star star

Bledins EPIC Adventures! Fayetteville, GA

Repairing credit can be scary enough, let alone, finding the RIGHT company to do so! You’re already either in debt, we’re in debt, trying to climb out, had unfortunate circumstances, & the last thing you want to experience is a scam! Even if you had a full FREE 24 hours in your day, there’s no way you could produce the results than an expert does, like Pinnacle Credit Management! This is why they’re the EXPERT! I tend to over analyze & research too much & after my consultation with Andre, I never looked back. I never looked at another potential company! I trust Andre & Pinnacle with repairing, my personal information, & I trust that he always has my best interest & goals in mind! I am a successful & educated young professional that went thru a nasty divorce, have been a single Mom, my dad committed suicide & his wife’s debt’s were attached to my name. I felt scared & overwhelmed. I had always had a trustable credit score, homes, cars, investment properties. When my Dad passed & his wife had ran up debt, I paid for it unfortunately.... With my credit! It was so unfair. After hiring Pinnacle Credit Management, within 2 months, my score jumped +24 pts & within 3 months, it jumped another +87 pts! So... within 3 months total, it’s jumped +111 pts! I cannot wait to see what next month has in store for my future! My next step is to invest in Pinnacle’s Tradeline Program. Andre & Pinnacle are fast-trackers & absolutely amazing at what they do! They produce results & have formulas that are UNMATCHED. If you are still on the fence about what to do, please... Reach out & I’d be happy to have a one-on-one conversation! I know what it feels like to be in YOUR shoes but you don’t have to feel helpless! Invest in Pinnacle Credit Management’s Fast-Track Program & feel like you’re on cloud 9 instead of wallowing in your own personal hell! Best wishes & cheers to your next chapter full of REPAIR, CONFIDENCE, & KNOWLEDGE!

10 months ago

star star star star star

Katoria H. Herndon, VA

I can honestly say that I’ve tried many different credit repair companies to see if they TRULY put their money where they mouth is, but none of those companies were ever able to get collections accounts or inquiries removed from my credit reports, except for Pinnacle Credit Repair! I participated in their Fast Track Elite program and within 30 days, I had a total of 6 collection accounts removed thus far, which is primarily what I needed to be removed as quickly as possible. Despite what some of the reviews may say, this service has been 100% legitimate for me, and their efforts have definitely paid off. I also like the fact that you can request to have the services stop at anytime, and you have the option to resume services again when you’re ready. I don’t just pay for anything, but I am happy that I found them back in November 2020 because those collections were killing my scores! I’ve also seen an average increase of 30+ points for each of the credit bureaus, with Transunion receiving a roughly 52-point increase in 30 days. My FICO and Vantage scores both received the increases, which has never happened before as it’s usually one or the other. Nothing happens overnight, but I would highly recommend Pinnacle Credit Repair for quick results.

10 months ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Katoria thank you for this awesome review I’m so happy that were able to get you the results that you so deserve looking forward to continuing our relationship and building your credit

Jan. 11th, 2021

star star star star star

Dave Scott San Mateo, CA

I engaged with Pinnacle after several unsuccessful months using a different credit repair agency. I was skeptical at first due to some of the negative reviews but decided to take a chance given his unique approach. I couldn't be happier. While the person I dealt with might be a little "rough around the edges" I cannot argue that his process works and works well. He is aggressive, proactive, and responsive. After a month, my credit score improved by 100 points. I look forward to its continued improvement.

10 months ago

star star star star star

Trician Orlando, FL

I usually never write reviews, however because of the positive experience I had with Pinnacle Credit Management I felt motivated to write one. These guys did an excellent job repairing and increasing my credit score in a timely manner. Andre and Terry did exactly what they said they would do to resolve my credit issues and Im just so amazed at the results I received. They provided me with excellent customer service and always answered any questions I had that was regarding the credit repair process in a timely manner, it was good to know that they were just a text message or phone call away. Providing payment for my credit repair service was very fast, safe, easy and efficient. My payment of 1500 was processed through Zelle and of course there's also Apple Pay that's really user friendly, safe and convenient, it was good to know that I didn't have to leave the comfort of my home to make a payment, payment was only a few clicks away..Words cannot describe how satisfied I am with Pinnacle Credit Management, These guys really went above and beyond and exceeded my expectations, all the negative items on my credit report was taken care of and my score increased by 73 points in less than a month. I would definitely recommend Pinnacle Credit Management to anyone who needs their credit repaired. Don't hesitate to reach out to them,you won't be disappointed. Big Ups to Andre and Terry! You guys are Awesome! Keep up the Great work and God Bless!

1 year ago

star star star star star

Mike M Akron, OH

I started working with Pinnacle Credit Management to repair some of the issues I had on my credit report. I had some stubborn items on my report that I wasn't confident about getting removed. I had another company that I worked with try to remove some of these items with no success. When Pinnacle started their first round of disputes, I saw immediate results with three of those accounts and some inquiries being removed. At the time of this review, I'm still working with Pinnacle to repair a few additional items but I can honestly say that I've seen results in a very short period of time and I will continue to work with them to get my credit profile in tip top shape.

1 year ago

star star star star star

Erica North Brunswick, NJ

Hello, I hope everyone is doing well. Although I’m not a huge fan of leaving reviews, this is one I most definitely have to share. My husband and myself needed to start fixing our credits. I mean desperately! We had to find a company that focused on quick credit repairs. Speed was our main priority. It felt like these days everyone and their momma repairs credit. I came across so many IG credit repair hustlers. It was unbelievably off putting and discouraging. It was honestly overwhelming. At some point I even thought that trying to get it fixed was a waste of time. Well it took some digging and boy oh boy I’m so glad I didn’t give up looking. I came across Pinnacle Credit Management several times on my google searches and I thought to give them a closer look. I did some research on the company and finally spoke with Andre. I had so many questions. Tons of them. I usually do lol. I had absolutely no idea what or how this worked. I mean at all. When I hung up with Andre I felt confident that he was going to help us get back on track. I knew he was legit. He was totally up front and honest. He made it very clear that this is a team effort. He mentioned that if I DO NOT follow his guidance and do as he recommends this will be a complete waist of time for everyone. If anyone is thinking about starting this program please be patient, communication is key and effort on your part is crucial. Andre does 95% of the work. All we have to do is follow his lead. He literally sends links to my phone when ever I reach out or he feels it’s time to take the next step. This is so real. Andre knows what he’s doing. Hands down. This has been really shocking to us. We honestly didn’t expect to get such quick results. Not just quick but drastic changes. Seriously unlike anything I could have ever imagined. I’m talking about double digit jumps. Beyond pleased so far and we are just getting started. My husband signed up with Andre at Pinnacle Credit Management the last week of May 2020. At that time his score was 391. Today August 1, 2020 his score is 505. I signed up in May 2020 with my husband as well. At that time my score was 407. Today August 1, 2020 my score is now 478. Listen it hasn’t even been three months since we signed up. We still have the entire month of August. I’m so thrilled about this. I truly am really excited about this. I can only imagine what it will look like come December. Bad credit has felt like pure torture. I just want to say THANK YOU. This feels like HOPE lol. Seriously and truly thankful for your service thus far Andre. Sincerely, The Estradas

1 year ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Erica I’m so delighted that we were able to help you we truly try your best to get the best results were clients I am really looking forward to working with you and being there to help you build your credit - Andre

Aug. 22nd, 2020

star star star star star

Billy Cronkright ,

So let's be honest if you are reading this then you have credit problems, and now you have decided that these credit problems are too much for you to handle on your own so you are researching credit repair companies😁. So I spent three months trying to deal with this issue on my own, and legally bylaw credit reporting agencies are required to work with you and make sure that the information on your credit report is true. The part they don't tell you is that you have to know WHO to talk to, WHAT to say, and HOW to say it. If you do not get this part right you will not get far. You will get lots of roadblocks, believe me this was frustrating for me because I am college educated, fairly smart guy. Let me first start out by telling you what Pinnacle Credit and other credit repair companies CAN NOT do for you. They cannot wipe out legitimate debts that you actually owe from your credit report, NOBODY can. If you have legitimate debts that you can afford to pay before you call a credit repair company I would suggest you do so,it will make things much easier and much faster. This brings me to my next topic these things take time, no matter how fast you are you are still at the mercy of the system. For example, you can file all your disputes in the same day but you are still at the mercy of the credit reporting system to respond to said disputes, which in some cases can be 60 to 90 days. Now if all you have is a couple of errors on your credit report that need correcting and you can't figure out how to do it yourself going with a monthly payment company is probably the right choice for you, however keep in mind most of these credit repair companies Who operate on month-to-month contract for around $100 state specifically that they will only deal with four disputes a month. Pinnacle credit repair charges a pretty sizable upfront fee to fix your credit but they will tackle everything all at once instead of waiting. In my specific case I had over 30 erroneously reported entries on my credit reports, don't forget there are three of them🤪. About 15 inquiries, countless past phone numbers and addresses. Don't get me started on the erroneously reported student loan entries, my credit was a complete disaster, but if you are here reading this you have to remember your credit didn't end up this way because you were managing and taking care of it. Pinnacle Credit Repair will deal with all of your credit repair issues all at the same time, this is the reason for the large upfront fee because you get it all at once and get it out-of-the-way instead of dragging it out over a 12 or 16 month timeframe. I have only been with this company for two weeks and already I am getting daily emails of stuff that has been corrected, my credit score is going up at least a few points every couple days. These guys really know their stuff they are knowledgeable, they know WHO to talk to, WHAT to say, and HOW to say it!! Not only that Andre will go through your payment history and make sure that they have your payment history corrected which again affects your credit score immensely. They do not just deal with credit repair they can also show you how to manage and maximize your credit for future use. This company is very detail oriented, I am completely pleased with what is happening and I believe they are worth every penny I have given them. So just to review if you only have a couple of errors on your credit report that need fixing pinnacle credit repair is probably not going to be who you want to call, dealing with a month-to-month service will be more effective in your case. If your credit is a disaster that is filled with erroneous information and outdated data, and really need somebody that knows what they're doing to go through it I would highly recommend pinnacle credit repair. The biggest piece of advice I can give anyone dealing with this situation you have to be PATIENT above all else, nothing happens overnight as far as credit goes. as far as my experience with credit repair? It's been absolutely miserable I can't stand it it's probably been one of the most annoying highlights of my life :-). The only person I've been able to locate to help me with this issue on any real level is pinnacle credit management. Hats off to you guys I am extremely pleased with your service! Bill Cronkright

1 year ago

star star star star star

Lacie Anne-Webber New York, NY

WHAT EVERY READER NEEDS TO KNOW ABOUT… WHAT EVERY READER NEEDS TO KNOW ABOUT THIS COMPANY PINNACLE CREDIT MANAGEMENT AND ITS OWNER ***DO NOT BE SCAMMED BY CREDIT REPAIR COMPANIES*** First and foremost I would like to say that this review will be long however I wanna make it through as possible me so that your readers out there can fully grasp and understand my experience and how this company operates and treats its customers. Before I decided to work with Pinnacle Credit Management I did my thorough research on the net and believe me reading a lot of the reviews from company after company I realize that credit repair is definitely a long process and not a short one. My expectations for my credit are relatively high considering the fact almost every single reviewer of Pinnacle has had quick success so that set the bar for my expectations right from the get go. ***INCOMPETENT EMPLOYEES*** I called the number 858-252-6053 and I had reached a representative that was fairly polite but I sense there or not the proper person to talk to considering they couldn’t answer any specific questions I had but had a basic fairly generic response however they did put me in touch with someone that answered all my questions which I was very enlightened after I spent about an hour with him over the phone. ***FAST TALKING HIGH PRESSURE SALES TACTICS*** Most of the call was more or less educating me on my scores and how they were calculated which I thought I knew a lot about already but I definitely learned something new. As a customer or a value customer service and not being talked to as if the other person is trying to sell me a service that I don’t need. I never felt pressured at all my initial consultation was very informative and educational and that’s what pretty much sealed the deal. So I decided to work with them. I cannot disclose how much I paid them however I will tell you that what I paid them is more than what most people make in a month! ***DON’T BE FOOLEE BY FAKE CREDIT SCORES!*** I started out with a 453 Ficoscore most people don’t realize that Andre reviews your credit he’s only reviewing your Credit Karma reports and the scores that you see are not your real fico scores they are your vantage score! How did I find this out of course Andre told me which I greatly appreciate it again most of the phone consultation was informative and educational I never felt pressured at all. On my credit I had a foreclosure type of charge off account because I had lost my house during a hurricane and the institution reported several months as negative. Four of my credit cards had multiple leaks throughout the years and I had a collection account from your old apartment years back that was beyond seven years ago! Last but not least I had filed chapter 7 bk 6 years ago and that was on my credit report as well. ***DO NOT BUY INTO FALSE PROMISES OF CREDIT REPAIR COMPANIES!*** The first week of the dispute process my score had dropped tremendously and I was shocked. I immediately called Andre which was my advisor and he mentioned that scores tend to drop during the dispute process however they did not make me feel any better and I became extremely doubtful! Two weeks have passed in no changes on my credit again I felt even more doubtful and called Andre. First of all Andre is sometimes hard to get a hold of but he doesn’t answer his phone when he has the time. Andre told me that I have pending disputes and that a change can happen any day “Just Hang Tight” was his exact words... So I waited another week and absolutely no changes were on my report and I received nothing in the mail from the creditors other than that there’s a credit freeze on my credit report and I did receive a credit report in the mail that had all the negative items on it and show I emailed that report to Andre and it looked exactly the same as when we first started so I got no changes on my credit report and a day passes I get an alert from Credit Karma that my score increased 182 points and the foreclosure was wiped off 95% of my late payments were repaired! I was so happy that I called Andrew and I apologize for panicking and being doubtful in the beginning when I should’ve listen to them because in the end it all worked out. I highly encourage everyone to take a step back and think about your credit and the information that you don’t know that one applied will help you. Pinnacle Credit Management and Andre are a professional person and company that you can trust and it is important that we as credit this rest people take the advice of those that are the professionals. I hope this review can help you make the right decision for you and your family - Lacie Anne-Webber

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Lucy thank you so much for your review I’m glad we were able to help you

Aug. 22nd, 2020

star star star star star

Devontia M Miami, FL

My New years resolution was to buy a house in 2019, with my credit it was impossible for me to apply for a loan and try to get a low interest rate. My husband and I recently came to PCM credit because we heard from a friend that it works. At first I was kinda skeptical about it because I came from a terrible experience company that supposedly helped me with my credit. which had screwed me up big time and that's the reason why my credit went down hill and all these court papers I had to deal with from that credit agency. But I still want to take a risk and try PCM credit because i just thought, what the heck my credit is already bad. How much worse can it be? My credit was 638 at the time signing up in November. It wasn't that bad but buying a house I wanted to have a higher credit score before applying. Jonny was the person that walked and guide us through the process. He signed us up with a credit identity where we have to pay $29.95 per month so i can log in and watch my credit score jump, plus I can log in anytime I want without my scores going down. After he looked at our credit report, he recommend us on which package is best for us or what route we can take. At that moment I really felt like there's hope and someone actually cares about my credit and not just trying to sell me the idea and just take my money. We ended up choosing the Fast Track package which was $2,500. We didn't have to pay the full amount of $2,500 when signing up. We only paid $1,250. The remaining balance will be collected when the whole process is complete. Within 2 months, I notice a 160 point jump in my credit score leaving it now (798). It was unbelievable :) I was too excited to know that I can actually apply for a house loan now. (I am currently in the process of house hunting, I was approved for 300k home loan, we had our dad co signed for us. So we were able to get a $400k loan). Thank you so much PCM Credit Team! Couldn't have done it without you, I will highly recommend anyone that want to re-build their credit. Devontia Michaels

2 years ago

star star star star star

Thomas Manning Phoenix, AZ

After reading all the positive reviews about Pinnacle Credit Repair on Best Company I decided to give Pinnacle a call. I left a message and got a call back that same day from Alex, and we talked for a little while about my current credit situation. After going over the credit reports of my husband and I, he called me back the next day and went over several things I could do to improve my credit. He was very knowledgeable, and even knew more than a lawyer that I had previously consulted regarding the same issues. What I liked most about him was his candidness, I felt like I could trust him. I was so impressed with Alex, that I immediately knew I wanted to hire Pinnacle, so I asked him how we should proceed. To my surprise, he told me that I would benefit more from self-help, over hiring Pinnacle to repair my credit. Although I was disappointed that I did not need to use their credit repair services, I appreciated that he was candid enough to tell me that. All around, it was a great experience speaking with Alex, and I highly recommend I Pinnacle Credit repair, and will recommend them to anyone who needs credit repair. I'm so glad I called. Thank you, Alex!

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

I'm happy to have helped you Thomas! We appreciate the review

Sep. 17th, 2019

star star star star star

Luis Hernandez Winston-Salem, NC

What can I say working with Andre has been great. I won a prize and Andre has been fixing my bad credit. He is the truth. He is the goat on fixing bad credit. I’ve had great conversations with him. I’ve gotten numerous negative items removed from my report. Ive gotten school loans removed ,l.I’ve been with him with 3 weeks . It’s only the beginning of restoring my credit. It took a very long time for me to get bad credit and I know it will take time to get everything that’s negative removed. I would recommend anyone that really wants to get their credit repaired. Andre will make it happen and assist you in numerous ways to obtain higher credit limits, loans, etc. Patience is the key. God bless.

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Thanks for the awesome review. Happy to have gifted you our wonderful service and have improved your credit.

Sep. 11th, 2019

star star star star star

Lorna J. Richmond, CA

When I First started with Pinnacle my credit was beyond poor. Andrew worked with me and got my score up 62 points in less than one month!!! I see a change every time I log into my account and I don’t know how to thank him enough. I did exactly what he said and now I am seeing real results. My credit recently went up another 110 points since the start. My goal was to dedicate the next 12 months to fixing my credit so I can purchase a home for me and my kids. With the help of Andrew I don’t see it being that long before I can become a home owner. I highly recommend Pinnacle Credit Management to persons with poor or very poor credit. Thank you Andrew and Pinnacle I appreciate your patience and help with my file and you just don’t now that with your help I am making my dream into a reality very soon!!!

2 years ago

star star star star star

Alex R Martinez Brooklyn, NY

I had a charge of from bofa and chase that I need to get removed asap. They cleared my credit pretty fast and boost my FICO up 187 points in the first 3 days. It's better than waiting until August as when the report says they will remove those accounts, do they ever remove them automatically if they exceed 7 years 🤷‍♂️. I like the consultative approach pinnacle credit management llc has, It really feels like they are my advisors because every step of the way they guided me on what to do. They helped me with my business funding and only charged 7% that's lower than what I have seen and the interest I'm saving is well beyond what I spent to repair my credit here. This was the best investment I've made all year long! Rock on

2 years ago

star star star star star

Paul Kit

Great customer service it was very easy for me to choose pinnacle want to started because their staff is very informative they’re easy to get a hold of they got me results what more could you ask ? What compelled me to work with him was the reviews and here I am even my own so this is the proof that they do it they say guys feel free to check out my video testimonial on YouTube about clinical I promised I would put it if they help me and they did so thanks a lot . My problem was that I had late payments on my mortgage and they got them removed quick I hired a company before and they told me about sending these goodwill letters but that didn’t do jack . Not really sure what pinnacle did but he at work so I don’t care I didn’t want to do a rapid rescore I want to do a complete re-finance and that’s what I got so I’m grateful

2 years ago

star star star star star

Mark Darnell Alviso, CA

I’m leaving review because I’m a satisfied customer Andre spent nearly an hour with me discussing my options and told me exactly what I needed to do . My credit score did increase in the 700 range and that was my long-term goal. The repair took less time than I expected or when used to. I’m glad that I chose to work with them because I’ve never felt more certain about my credit in my entire life. Credit is something that they don’t teach you in school and so I made a lot of mistakes early on but I’m grateful that companies like this exist some people deserve a second chance and I’m glad I got it sounds good to be true but this company rocks.

2 years ago

star star star star star

gabby s Gilroy, CA

At first I thought repairing my credit would be like the avengers versus Thanos the first time, evidently Pinnacle didn't need to go back in time to change anything (I wish) although what's the difference except the fact that I am still 44 however my credit report looks as if did. I paid them $2500.00 to swipe the file clean now I'm just waiting on primary tradelines to post so I can refinance my mortgage. I hope it works. Btw I started my credit restoration 4 days ago and 🤷‍♂️ if that makes any difference. My score is 790 which I thought was good enough to refinance considering I started with 620, but andre says the score doesn't matter? And that I need trades I dont know how much of that is true but I won't put it past them because they did help me out a great deal. Either way I'll for sure be back here to update this review to let everyone know if the tradelines post or if he is full of crap like the rest.

2 years ago

star star star star star

Jacklyn Tran

I missed both of my car payments on January and February of this year because I was lazy and Andrew was able to repair the late payments he actually increase my $500 credit card limit to a $20,000 limit and actually got me approved for four of the credit card now I have around a $60,000 credit limit I never thought I had this I have a credit limit at this age I’m 23 years old Andre is help me understand on how to avoid interest and leveraging my credit to rack up rewards points and I missed post of my car payments on January and February of this year because I was lazy and Andre was able to repair the late payments he actually increase my $500 credit card limit to a $20,000 and actually got me approved for for the credit cards now I have a round of $60,000 credit limit never thought I have this I have a credit limit at this age and 23 years old Andre is help me understand on how to avoid interest in leveraging my credit to rack up rewards points and constantly increasing My credit limit so later on I can purchase a home when I’m ready thanks a lot this company is legit very informative and they work with the 101 I feel like I have a credit partner I am never in doubt

2 years ago

star star star star star

Isuzu p Saratoga Springs, UT

Pinnacle credit exceeded my expectations to repair my credit. I have been working on my credit for over a year I've hired 2 companies and the weren't satisfactory. pinnacle would be more expensive than the to fees put together that I spent on the other 2 companies that a hired 10 months ago. however I saw an advertisement and I saw YouTube videos of their previous and current work and I was convinced that I should join. So I went ahead and called them just last week and within 24 hours I was able to get 100% of my negative items removed and we aren't talking 1 or 2 negative items to be more precise I will disclose a little bit more about my personal situation. I had recently gone through a horrible divorce and had lost a home during the divorce I also proceeded bankruptcy. I had more than probably 100 negative items on my credit I didn't expect this to be an overnight process but in one day I got my life back. I have nothing else to say this people change my life end of story! Now go sign up and get your life back as well!

2 years ago

star star star star star

J. Fuse Van Nuys, CA

After Speaking with Andre of PCM regarding my credit issues, I can say he has given me full transparency and an understanding of how the process works. This is not the typical copy and paste dispute or the credit sweep that is considers illegal. He used AI to dispute real inaccuracies on credit reports. I’ve had my share of companies helping me with my credit in the past and I will tell you, I’ve never felt more confident with a company handling my issues like Pinnacle Credit Management is. This has constantly been a stressful weight on my back. But after our conversation based on the process and even my personal issues in life I’m dealing with, I will say Andre is the most humble and professional person I’ve dealt with in a while. I look forward to better credit and I wish Pinnacle Credit Management even more success than they are already receiving. Their process is gonna be a game changer and I don’t know of any other repair companies who handle the process the way they do. I look forward to updating everyone as the process continues.

2 years ago

star star star star star

JONATHAN LINDER Newton Highlands, MA

I'm thinking about buying a house and I needed to make my credit look it's best. I contacted Pinnacle Credit Management since it was highly rated on Google. I spoke directly to Andre, who as it turns out is the owner. He let me know immediately that I needed several old collections removed from my credit report and dove right in and sent disputes immediately to all those creditors. He got several of them removed within a few days and just a few weeks later my FICO score is up 78 points, my Transunion and Experian scores are up near 800 and i have a new $18,000 credit card from my bank. Andre educated me all about credit scoring systems and how lenders used them, showing tremendous depth of knowledge, and instructed me further on how to use my cards in order to obtain the most cash back benefits as well as travel rewards. Pinnacle was a one-stop-shop for all my credit needs. Every question was answered comprehensively and in clear language. The service and advice Pinnacle provided makes me feel like I have a solid game plan and deeper understanding of how to actively MANAGE my credit (just like it says in their name). While other companies may charge less Pinnacle provides a customized approach for how to actively repair and build credit quickly and effectively. I feel like I can literally get any credit cards I want now and my next goal is to obtain business funding which Andre assures me will be a piece of cake to easily get at least $250,000 in business trade lines. Henry David Thoreau said “The price of anything is the amount of life you pay for it.” You can spend less with another company but at the end of the day the time lost and aggravation of waiting for your credit to be repaired isn't worth it in my opinion. As a Business owner nothing is more important to me than my time and the faster I have access to credit the sooner I can reach my financial goals. I cannot more highly recommend Pinnacle Credit Management services and in fact regularly do send friends and family members to Andre for help restoring their credit rating.

2 years ago

star star star star star

Robert E-Muhammad Brooklyn, NY

Pinnacle Credit Management is a great company. They provide straight to the point credit repair services. PCM performs credit repair using current legal processes and electronic filing systems to challenge errors on your credit report. The staff are accessible, transparent, and they educated me through each process. I had no problems and was not given the old run around . In the first 2 weeks I received responses from credit bureaus, saw removals on my file, and score increase. In the past I've tried 3 other credit repair companies and they all failed and just took my money. I highly recommend PCM to those you are looking for real results. --- Robert Muhammad

2 years ago

star star star star star

J. Jones Brentwood, CA

I highly recommend Pinnacle Credit Management! Not only are they reasonable, they are also very knowledgeable and reliable. Andre took his time answering all of my questions and explaining the process to me step by step during our initial consultation, which put my mind at ease. After several conversations with Andre, I signed up in November 2018. In less than 3 months, my score has already increased nearly 130 points, from 557 to 685. Though there’s still work to do, I’m extremely happy with the results so far and can’t wait to see the results from the next round. Thank you Andre and Pinnacle Credit Management for actually doing what you said you would do!

2 years ago

star star star star star

Michael Scottsdale, AZ

Andre is very knowledgeable about credit repair and spent over an hour on the phone with me explaining what he wanted to do to fix my credit file. After about 10 days I started to see results- he was able to remove a huge charge-off from AMEX for $35k that several other credit repair places were unable to remove. He also has a plan for after your credit file is clean, where he can help boost your score even more and then help you secure business or personal funding. He has been a pleasure to work with and responds to you personally when you email or text him a question- he doesn't hand your file off to someone else. I would highly recommend Andre to anyone looking to repair their credit.

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Thank you for your review and I am happy to have helped you Michael.

Feb. 19th, 2019

star star star star star

James F Orlando, FL

Here is a breakdown of why I gave this company a high review,: 1. Amazing work that was done within the 90 days as timeframe they told me. 2. I was given 20,000 in trade lines which boosted my credit score in conjunction with the work these guys did. 3. They were very responsive with updating me during the program. That helps a lot. When I worked with other credit repair companies never updated me but happy billed me but not this company. 4. They have the resources to get stuff done fast that other companies don't. The reason I chose this compwny is because I got denied for a mortgage because of my credit score and I was not gonna anything get in between me and our families dream home.

3 years ago

star star star star star

Donna Bruno-Allen Las Vegas, NV

Pinnacle Credit Management is a Wonderful Company that is Easy to Work With. They are There to Help with All Your Questions and Concerns, 24/7. Very Friendly, and Knowledgeable. You Actually Can Speak With a Real Person. If You Prefer, You Can Text, or E-Mail. They are Very Prompt to Respond No Matter which Way your Contact Preferences are. They Make you Feel Like You Have a Big Brother Looking Out for You! I Wouldn't Trust Any Other Company with Something so Personal. Give Them Try, before Considering Anyone Else! You Won't be Sorry! They're Price's are Better than Anyone Else I Called!

3 years ago

star star star star star

Ben Jasin Zionsville, IN

Andre repaired my entire credit in two weeks. I was not expecting those results and i'm happy to leave you this review. Go Pinnacle! P.S If you are looking for a complete analysis of your credit im certain that Pinnacle is what you need. In the first consultation I got complete clarity on my situation. I had no idea you could add primary tradelines to your credit to increase your credit history. This was important for me because I wanted to get approved for a chase sapphire card and I got approved shortly after. They also remove any inquiries!

2 years ago

star star star star star

Riccardo Bradley West Chicago, IL

I recommend that people work with this company there totally different from Lexington law and these other credit repair companies there not just here to take it money they listen and walk thru your report and help hand guide you on how to fix and manage your credit cards and debt ratio I’m so thankful that I found this company and Andrea your the best thank you so much for helping and guiding thru this every step of the way!!!!

2 years ago

star star star star star

Steven Richmond, CA

I started my credit repair journey in mid Dec and wasn't sure if this will work. I gave Andre a call and discussed what i was looking for. He ensured me that if i don't see a result, money back guarantee. So i gave it a try and saw results with two weeks after he started working on my account. I got four negative hit on my credit profile and he was able to removed two of them and continue to work on my account to remove the rest. I would recommend his services to anyone thats looking for a credit repair as i saw results like he said!!

2 years ago

star star star star star

Tony McKinney Decatur, GA

I’m super excited about this service. I was blown away that within days, my inquiries were removed so fast. Also, for example, my score on Equifax jumped up 55 points. It’s just the beginning, the negative items are next. I’ve spoken at length to Andrew and he is clearly knowledgeable and ahead of his time. This is well worth the money. It’s a no brainer.

2 years ago

star star star star star

Patrick Lundy Dayton, OH

I started using Pinnacle Credit Management ( Andre N) 6 weeks ago to help get my credit cleaned up. Several past credit repair companies couldn't get the job done in fact the created a mess, they took my money and produced no results. I have seen my credit jump 144 points now on the way to 800..! Thank you Andre for always being available to discuss how to get things done. You have really helped me get back on track. I value the experience you have to get real results. Andre has not only been a great adviser with business he's become a trusted friend. Pat L.

2 years ago

star star star star star

Chrystle Macomb, MI

Best credit repair company hands down .... i’ve spent so much money with other companies and never got the results that I got with Andre I’m just a little over three weeks in an my credit score has shot up and he’s not even done it yet . They are hands-on and you can trust them. He took the time to explain things to me an went over my credit report and anything that I was unsure of or any questions I needed answered he was right there every step of the way . Thank you pinnacle credit. I got 99 problems but my credit aint one lol

2 years ago

star star star star star

Ian Sargent Fort Lauderdale, FL

After vetting numerous credit repair companies, I choose Pinnacle Credit Management and I'm ecstatic that I did! Andre and his team are extremely knowledgeable and began to repair my credit instantly. I have seen results faster than the other companies said was possible! It feels great to know that my credit will be corrected to where it once was. I couldn't be happier with my decision to go with Pinnacle. Also, Andre extended a military veteran discount to me that wasn't expected but very much appreciated!

2 years ago

star star star star star

Eb Ashburn, VA

Wow.....I cannot believe when I signed up with Pinnacle Credit Management... this company is really amazing still in shock, I have been scammed twice by other so called Repair services, it took 4 weeks to remove a foreclosure and some other negative items to be removed from my credit reports. I cant wait for the remaining items to be removed. Anyone who is in credit crises, this is the company to go with....Super Amazing....

3 years ago

star star star star star

derek lopez Palos Verdes Estates, CA

This company has been extremely professional in my dealings with them. They have explained the process they use to me in great detail. I am very happy with the level of service I choose.

10 months ago

star star star_border star_border star_border

Robin Talbott San Jose, CA

I signed up after speaking to a “ Terry” who sounded great when I called. I paid $750 half of fast track . There was activity the first couple days. But it became apparent this was only a few guys on their phones answering only the calls they wanted to. Terrible at return calls & customer satisfaction. I never spoke with the first guy again. The one that finally did call back said he was Terry & was very difficult to understand . He offered personal excuses for not returning calls including his parents fighting. Bottom line they use a program hat sends emails to all creditors disputing claims. You will be asked to buy Tradelines. I don’t believe the other reviews that are positive. I would recommend a pass on pinnacle.

10 months ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Robin, we have sent you numerous updates and have been pretty responsive however you’ve called our office at very odd hours and borderline harassing my staff which is unacceptable. Given that we have been very polite and also provided you results in which we have published on our social media which is the world can see clearly that your complaint is somewhat bizarre because we definitely increased your credit remember your score was extremely low and you had several negative items that we removed and that’s basically why you hired us. You didn’t hire us so that we could listen to your personal life problems every five minutes by receiving a call from you and yes you were bugging us! We have many many clients and you’re the first person that has ever made a complaint against my staff member also we have a report that you were very I’m polite and you made my staff feel very uncomfortable by belittling them. As the CEO of Pinnacle credit Repair I’m leaving this reply to teach you and teach others that it’s not OK to harass people it’s not OK to abuse people and it’s not OK to take it vantage of other people especially when they provided you results which you cannot deny. Very disappointed, I hope you can reflect on this and try to be a better human being . Andre

Jan. 11th, 2021

star star star star star

Michael Paige Dallas, TX

I had my doubts at first as I didn't see any real improve until 55 days after I had signed up. I got to take my hat off for the outstanding customer service I received from Andre's staff. You guys are my heros! I look forward to seeing more improvement on my credit.

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Thanks Michael. Im glad we were able to help you.

Sep. 11th, 2019

star star star star star

Jason Wilbur San Jose, CA

5 stars for results, 5 stars for customer service, 5 stars for price, 5 stars for the value they gave me. I decided to go with Pinnacle because of all the great things I’ve heard about Andre. Getting It fixed appened to me, and I hope it does to you too!

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Much appreciated Jason. Thank you for being a great client and having patience throughout the process and believing in me. I am happy to have given you and your wife great results. Looking forward to helping you increase your credit scores even higher than before

Sep. 11th, 2019

star star star star star

Alan o'connor Philadelphia, PA

They do everything they say they could do my bankruptcy has been removed off my credit ports and all collections. Trust and believe Not everyone is out to get you I was fortunate enough to make the right decision in higher pinnacle and they have been great

2 years ago

star star star star star

Manny Fiori San Francisco, CA

Pinnacle Credit Management are straight shooters in the Credit Repair Industry. From first consult, to end result! This team will not disappoint you. Their job is to repair your credit. To help you acquire a New level plain field, a second chance for many of us, by which to pursue our Financial and Business Goals, in the fastest time possible.

2 years ago

Pinnacle Credit Management Logo

Reply from Pinnacle Credit Management

Thanks a lot Manny you have been a great supporter.

Sep. 11th, 2019