6.3
Overall Score2 days ago
Pinnacle Credit Management offers a simple credit repair process for all customers. Instead of relying on traditional dispute methods, the company uses a specialized electronic disputing process that has provided relatively quick negative item deletion results. According to its website, Pinnacle Credit Management strives to remove “collections, tax liens, public records, late payments, medical bills, repossessions, evictions, foreclosures, short sales, bankruptcy, charge offs, chex systems, and even student loans.” However, the company does fall short when it comes to website information and charges a higher-than-average upfront fee.
#1  Lexington Law › | 9.3 Overall
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#2  CreditRepair.com › | 8.1 Overall
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#3  The Credit People › | 6.6 Overall
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#5  Pinnacle Credit Management › | 6.3 Overall
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The Good
- Straightforward Credit Repair Process
- Refund Policy
- Score Enhancement Program
Straightforward Credit Repair Process
Pinnacle Credit Management provides a fairly straightforward credit repair process. Potential customers can receive a free credit evaluation from Pinnacle Credit Management. After the free credit consultation, the company will perform a “full credit audit of Experian, TransUnion, Equifax, ChexSystems, LexisNexis, and Innovis.” Customers will then be able to see real-time disputes taking place as Pinnacle Credit Management uses a “special hegemonic decorum protocol” to obtain quick responses from creditors. The company also states that its credit repair services provide “an average of 80 percent completion within the first 15 days” which is faster than most companies in the credit repair industry.
Pinnacle Credit Management has two programs — the Fast Track program and the Standard program.
- Fast Track: Costs $750 and takes an average of 15 to 45 days for completion. This program also comes with a 60-day satisfaction guarantee and a personal credit mentor.
- Standard: Costs an initial fee of $199 and then $99 per month. Customers can cancel this plan at any time. This program takes an average of three to six months for completion.
The company also offers free credit reports and monitoring.
Refund Policy
Pinnacle Credit Management offers a three-step refund policy. Customers who wish to receive a refund need to directly contact the company and officially request a refund, which will take five to six business days to process. Overall, the company’s offered refund policy is better than what many other credit repair companies offer. Customers can cancel credit repair services with Pinnacle Credit Management at any time since there is no binding contract.
Score Enhancement Program
As part of its credit repair process, Pinnacle Credit Management provides customers with a score enhancement program. According to the company’s website, the “score enhancement program is designed to pre-qualify you for whatever financing needs you have.” This includes things like mortgages, business credit cards, loans, and more. In addition, the company has up to $90,000 in primary tradelines.
The Bad
- Limited Website Information
- No Provided Credit Reports
- High Upfront Costs
Limited Website Information
Pinnacle Credit Management does not seem to provide customers with a significant amount of website information. Specifically, the company does not explain its electronic dispute system and does not go into detail online regarding its upfront fees as well as partner-related credit limit program.
High Upfront Costs
Pinnacle Credit Management charges high upfront fees for its credit repair programs. Meanwhile, many other companies in the credit repair industry either do not charge an upfront fee or charge lower upfront fees for their credit repair services.
The Bottom Line
Pinnacle Credit Management offers quite a few impressive services. It has a simple, three-step credit repair process, uses an electronic dispute system, offers a three-step, no questions asked refund policy, and allows customers the opportunity to obtain unsecured credit which can ultimately help them improve their credit scores over time. Unfortunately, the company does not appear to provide some needed information on its website and charges a fairly high upfront fee for its credit repair services.
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User Reviews
Good people and solve problems with integrity. Thanks Andre.
Reply from Pinnacle Credit Management
Feb 13, 2019
Meer, your last name is Islam and you should be ashamed of lying because you and I both know that this review is 100% dishonest. I find it interesting of how subjective and biased people like you that don't seem to get there way are the first to just right down anything negative. In psychology we call this narcissism, and one thing that I have noticed with credit distressed persons is that the vast majority of them falter to OVER SELF INDULGENCE I.E living outside of their means, and having HUGE amounts of entitlement which leads them to believe they can BORROW MONEY FROM OTHERS AND OR ORGANIZATIONS and think that it is 100% ok not to return it. In addition to that I will have you know that I have been in this business for nearly a decade and have been doing well and I would NEVER yell at anybody over the phone, but let's go ahead and analyze the above statements that you wrote in such an ANGRY and RESENTFUL state. "Then he sent me an agreement to my email that I signed online. Next day he started calling me.' <------------- So you basically flat out admitted that you did sign our agreement and I will also remind you that you agreed to pay our standard fee for services on a specific date and you did not even bother to call, and instead I had to call you (Classic Bate & Switch Tactic) Mr. Islam change your name because you give such beautiful terminology and VERY bad name, and so I stand to CORRECT YOU. Rule of thumb when you make the decision to invest in your financial future (The same finances you have messed up because you DEFRAUDED so many creditors throughout your life) it is the time to keep your promises because if one were to be considered HONEST he would keep his word on ALL OF HIS PROMISES! If one to be considered a courteous and RESPECTFUL human being than he would APPRECIATE those men out there that put their life on the line with a business that they have dedicated their life to, to help people in YOUR SITUATION and he would TAKE INTO CONSIDERATION their time. Mr. Islam, Your DID NOT show any appreciation for the FULL HOUR I spent with you dissecting your credit reports and sharing with your strategies in order to help your situation. Strategies that you OBVIOUSLY had no clue existed because remember YOU CALLED ME to FIX YOUR HORRIBLE CREDIT, not the other way around. Mr. Islam, I know that you enjoyed posting this biased and resentful view because you actually think people are going to take it seriously and associate your psychological defects (Lying & Breaking your Promises, Borrowing Money and not returning it) and the experience we had but I would like to inform you that your review shows one thing: You signed an agreement with ABSOLUTELY NO INTENTIONS ON PAYING. You see people like you have NO RESPECT OR CONSIDERATION for other peoples time and are SO FRAGILE that when SUCCESSFUL people like me CONFRONT THEM on their lies, their identity is hurt, and so the basic maneuver to redeem themselves is to SLANDER the very people that just had enough of their bullshit. Its basic psychology people like you always leave bad reviews because you fear the shame of what others think about you, so in haste, you aim to SLANDER successful people like me because they are a REFLECTION of how MISERABLE & PATHETIC LIARS like you are. Next time if you Cannot afford to Fix your financial, don't waste other peoples time especially when it's their business to fix peoples financial problems, and mislead them asking them to give you PRIVILEGED ADVICE that THOUSANDS OF OTHERS HAVE TO PAY FOR, and the think that your warped perception is actually worth something in the real world. Wake Up Meer and the only shame belongs to you and I thank you for revealing yourself on my forum :).
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.
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
Pinnacle Credit Management has went above and beyond to make sure they got the job done. I have used a handful of repair companies and if I wasn’t ripped off, they didn’t remove anything. So I definitely had my doubts. But I can honestly say pinnacle has met and went above my expectations!!! I will definitely refer them to my friends and family
I would like to thank Pinnacle Credit Management for helping me with my credit. In just 2 weeks of hiring them I saw amazing results, my credit report jumped over 100+ points thank you very much keep doing your great work.
Reply from Pinnacle Credit Management
Feb 21, 2019
Thank you for your review and www.pinnaclecreditmanagement.com is always here to help our clients increase their credit
Became a client in the beginning of February and just 8 days in my credit went up 68 points ! Andre told me that my credit would be fixed within 1 month and I can’t wait to see my score rise ! Super glad I came across this company and I can’t wait to see the deletions leave my credit !!!
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!
Andre is an easy person to work with. He was able to get a bankruptcy removed from credit profile, as well as other items, very quickly. I would definitely recommend him.
Reply from Pinnacle Credit Management
Feb 19, 2019
Thank you, Ricardo, I am happy that we were able to nearly clear out your entire credit report and put you in a better position. I appreciate this review and I look forward to helping you obtain funding for your business
Nothing but great experiences for everyone I have told about getting their credit repaired through Pinnacle Credit management! They are very professional and they do an awesome job of credit repair on an individual basis! They truly care about their clients and it shows in all of the credit repair work they do for them! One top notch company!!!
Reply from Pinnacle Credit Management
Feb 19, 2019
Thanks for leaving this review Greg and being a big supporter of Pinnacle we are happy to help everyone you refer.
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.
Reply from Pinnacle Credit Management
Feb 19, 2019
Thank you for your review and I am happy to have helped you Michael.
Andre is arrogant and unprofessional. He get's information mixed up and doesn't like you questioning what he's doing even when he's not being successful. He will cuss you out and talk down to you if he's challenged. It's really sad that he believes that this is acceptable. I would NOT recommend this company.
Reply from Pinnacle Credit Management
Feb 13, 2019
It's interesting how this person "Truth Teller" expects anybody to take them seriously when they hide behind an anonymous user name but then again they wish to pass judgment in such a bitter way to a person that is 100% more successful than them. Common sense people this person is obviously afraid to reveal their identity but then again they have the nerve to talk about people that put their name and reputation on the line to change peoples lives. Speaking of which just have a look at my reputation on Instagram @pinnaclecreditmanagement you will find that we have a pretty big network and a huge amount of success. So before you go about talking bad about somebody 100% more successful than you will ever be, please make sure to be qualified and also show your name because quite frankly to me you are just hiding behind a computer screen spreading lies about somebody you don't know and have NEVER met.
Andre does everythinf he days he can do. Fixed my credit added primarys and got be huge credit limits 500k
Reply from Pinnacle Credit Management
Feb 09, 2019
A pleasure to have helped you Russ.
Andre and Pinanncle after one week removed a BK and 3 collections! They are the best.
Reply from Pinnacle Credit Management
Feb 09, 2019
Happy to have helped you John
Very professional and trustworthy with excellent communication and results! I would recommend Pinnacle Credit Management to anyone.
Andre helped cleanup my credit score and increase my available credit. It took around 8 weeks or so, great job, awesome service!
they repaired my credit in two weeks, they are great
Reply from Pinnacle Credit Management
Feb 09, 2019
Happy to have helped you Gary, BTW gary used to play for the golden state warriors
So far to date my report has been cleaned up as I hoped. Several inaccuracies have been resolved and removed. I look forward to the completion.
Andre has a good sales pitch and that is all it is is a sales pitch. He will take your money and run then not return phone calls text emails nothing! Claims your money is refundable that won’t even return a call about a refund. Don’t let this go rip you off!
Reply from Pinnacle Credit Management
Feb 09, 2019
Michael, please call our office 1-800-246-9028 EX 101
Andre helped me increase my credit score with his strategies and I got $200,000.00 in credit for my business with 0% interest for 16 months. He also help me husband remove his bankruptcy and raise his credit score 280 points in one week
Pinnacle credit management is Amazing! Amazing at stealing your money. I spent 3400 dollars in the first week with Andrew N of Jersey city NJ who works for this scam company. 1 month later, all i got is excuses. When I complained about services not being rendered, Andrew N called me a negro and a street person and threatened to beat me up in person. Please don't use those racist wannabe thugs for anything. Andrew N will be getting a order of protection filed against him.
Reply from Pinnacle Credit Management
Feb 13, 2019
This person is a Liar and a dishonest person that has ZERO reputation. To put things into perspective you will find ZERO information about this guy JAY CLARK online and a HUGE amount of POSITIVE information about me. Just take a look at my Instagram Jay @pinnaclecreditmanagement. I have a question why do you keep changing phone numbers and addresses? Is is because you are running from the many creditors you have DEFRAUDED, after all you did come to me to "repair" your credit right? Jay take a good look at the above paragraph and how dishonest it is. You speak so personally about me as if you know me but we only have had a few phone calls in which most of them were constant reminders of you PAST DUE BALANCE. Jay one thing is for certain you don't know me but I will share something PERSONAL with you since you incest. My FICO score is amongst the highest in all of the entire country, unlike you, I do not STRUGGLE TO PAY MY BILLS OR BORROW MONEY living outside of my means. Unlike you its MY BUSINESS to help repair peoples credit and mentor them. What about you? I don't think you own one domain or social media page. So to put things into perspective Jay you called me, in your late 50s begging me to FIX all the nonsense FRAUD and DECEPTION you placed upon many banks and creditors that did you a favor by GIVING you money and all you did was DEFRAUD them with CPNS and did not pay them back a penny, and that pattern of behavior is 100% consistent in how you hired me and I worked hours and hours helping you out and you were LATE ON ALL OF YOUR PAYMENTS and you STILL OWE. I haven't even bothered to send you to a collections agency for the money you owe us. Now I understand that you have used this forum to pout and cry because I refused to let you further take advantage of me and my staffs' hard honest work and precious time, but in general, it makes me feel great that MY BUSINESS is getting more success each day. How about you? Are you still struggling to pay your bills on time? Good Luck out there
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....
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.
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!