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.”

The Good

  • Straightforward Credit Repair Process
  • Solid Refund Policy
  • Multiple Lender Connections
  • Free Online Educational Resources

Straightforward Credit Repair Process

Pinnacle Credit Management provides a fairly straightforward credit repair process. Potential customers can receive 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, 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 a one-time fee between $1,500 to $2,500 and takes an average of 15 to 45 days for completion. This program also comes with a 60-day satisfaction guarantee, a personal credit manager, a free credit report, and a free credit monitoring service.
  • Standard — costs an initial fee of $199 and then a monthly payment of $99. Customers can cancel this plan at any time without financial repercussions. This program takes an average of three to six months for completion.

Solid Refund Policy

Pinnacle Credit Management offers a three-step refund policy. Refunds are provided after the 60-day enrollment period. If a consumer wishes to receive a refund once their 60-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 credit repair service with Pinnacle Credit Management at any time since there is no binding customer contract.

Multiple Lender Connections

As part of its credit repair process, Pinnacle Credit Management connects customers to all of their lending partners. According to the Pinnacle Credit Management website, the company works with “hundreds of banks, auto lenders and dealerships, mortgage banks, insurance agents, loan officers, and realtors nationwide.” Customers connected to lenders through Pinnacle Credit Management may find it easier to obtain lender approval.

Free Online Educational Resources

Pinnacle Credit Management offers free online educational resources for customers to take advantage of. As stated on its website, the company provides “more than 20+ free credit education videos” and offers various on-site articles for customers to read. These resources are great for those interested in learning more about credit bureaus, how to raise their credit scores, maintain their good credit, and improve their overall financial situation.

The Bad

  • Limited Website Information
  • High Upfront Costs

Limited Website Information

Pinnacle Credit Management does not seem to provide customers with a significant amount of information on its website. Specifically, the company does not explain its electronic dispute system and does not go into great detail online regarding its partner-related lender program and educational video resources.

High Upfront Costs

Pinnacle Credit Management makes clients pay fairly high upfront fees for its credit repair programs. Meanwhile, many other companies in the credit repair industry either do not charge money or charge lower upfront fees for their credit repair services.

The Bottom Line

Pinnacle Credit Management offers quite a few impressive products and services. It has a simple, three-step credit repair process, offers a three-step refund policy, provides a personal credit counselor/free credit coaching, financial opportunities, connects customers with lenders, and offers several free educational online resources. Unfortunately, the company does not appear to provide some needed information on its website and charges a fairly high upfront payment for its credit repair services.

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Donna Bruno-Allen
April 2nd, 2018 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!