Rising Point Solutions was founded in 2005 with the goal of providing customers with a simple path to restoring their credit. With locations in both Texas and Oklahoma, Rising Point Solutions takes a small-business approach to credit repair, providing individualized attention to its customers. The company works with both mortgage lenders and home builders to help its customers more easily secure home loans; however, it also charges much more for its service than most companies.
One area in which Rising Point Solutions really excels is on its personalized customer service. And because Rising Point Solutions focuses its services on a smaller geographic area (though its services are available almost anywhere in the United States), customers are assigned a single account manager that will see the credit repair process through with them. This personal touch is important, as performing your own credit repair, or going through a strictly automated service can leave a lot of questions unanswered.
One-on-One Customer Support
As a small business, the company provides individualized attention to its customers.
Rising Point Solutions is one of the more expensive credit repair companies in the industry; its minimum monthly rate of $149 is also the maximum rate of industry leaders. And although the company appears to provide excellent customer service, it does not appear to have attorneys on its staff. When it comes to credit repair, it’s important (though not required) for companies to have a legal team that can represent clients to creditors, collection agencies, and credit bureaus. Credit repair attorneys have extensive industry knowledge, can put a stop to harassing collection calls, and even file suit to have inaccuracies removed from your credit report. According to the website, very few, if any, of Rising Point Solutions’ staff, are qualified to handle such matters.
High Monthly Rates
Rising Point Solutions charges at least $149 per month for six months; leading companies charge much less. It should also be noted, however, that Rising Point Solutions’ six-month service agreement is considerably shorter than the long-term contracts of other companies, so some customers may end up paying less overall with Rising Point Solutions.
No On-Staff Attorneys
On-staff attorneys can increase the effectiveness and speed of the credit repair process.
Poor Online Transparency
No online information regarding pricing or the background and qualifications of the credit professionals
Frequently Asked Questions
How much does Rising Point Solutions cost?
Rising Point Solutions offers a consultation free of charge for those interested in becoming customers and working to repair their credit; however, the company offers no online information regarding its pricing structure or other fees.
Does Rising Point Solutions allow me to enroll more than one person or my whole family?
Rising Point Solutions offers clients a joint contract with a spouse, significant other, or family member. Rising Point Solutions joint contracts do come with a price break to the client, only an additional $60 for the second individual.
How does Rising Point Solutions repair my credit?
One of the appealing aspects of doing business with Rising Point Solutions is that you can have confidence the company will develop a credit repair program suited exactly to your needs and unique situation. There is not a cookie-cutter, one-size-fits-all solution with Rising Point. The company will then address those false charges and items on your report and begin a robust dispute process with the three reporting bureaus. The company will also provide you with education to help you manage your credit on your own.
How does Rising Point Solutions provide credit monitoring?
Every time a change is made to your credit report, Rising Point Solutions will send you an email and inform you of its progress on your behalf.
How long will it take before I start to see results with Rising Point Solutions?
Rising Point Solutions does not explicitly point out how long the process takes, as it is different for each customer. Instead the company works to provide a clear expectation and timeframe based on your personal credit profile.
What results can I expect from Rising Point Solutions?
Not only should you expect an improved score from removed items, but you should also expect to come away from your time with Rising Point Solutions armed with knowledge about how to maintain good credit and how to make wise financial decisions.
How can I contact Rising Point Solutions?
You can call toll free at 1-866-655-4411 to reach a Rising Point Solutions representative. If you prefer, you can also fill out an online form and wait for a representative to call you. Rising Point Solutions has a strict 24-hour callback policy.
Rising Point Solutions is pleased with its satisfied customers and the results it has been able to help generate for them. The company has published a number of testimonials on its website. These testimonials illustrate some of the success stories Rising Point has been a part of and how the company has helped improve credit scores and change lives.
Rising Point Solutions believes that a consultation is an important part of the credit repair process. Thus, the company offers a free discussion with a company professional to discuss in detail your case and your prospects for having a credit repair program initiated by the company.
Money-Back Guarantee Unclear
The website does not clearly state whether there is a money-back guarantee or whether customers may stop using the service at any time.
Pricing Not Stated
If you would like to know how much it will cost to use Rising Point Solutions, you will need to contact the company by phone. The website provides no details of this important detail.
How it Works
Discussing your case with a staff member is vital to understanding what the company can and should do for you to help improve your credit. Through the consultation, you will be apprised of the repair process and whether it makes sense for you.
Plan Developed Just for You
Rising Point Solutions creates a customized plan designed to address your specific challenges and needs. A company representative will take into account the issues with your case and will then move forward accordingly.
Rising Point Solutions will go to bat for you and will dispute any and all inaccurate, false items on your report. The reporting bureaus have 30 days to respond to the dispute process; after this time, you will be informed of the results and should start seeing improvements to your score.
Rising Point believes it is important to not only help customers improve their credit situation but also to help ensure credit problems don’t arise in the future. As a customer, you will be taught how to raise and maintain your score.
What to Expect when Signing Up
If you only have a few minutes, that’s plenty of time to sign up as a customer with Rising Point. That’s because the company provides an online form on its website to fill out. Simply provide your contact information and a few details about your credit situation. The process of coming on board with Rising Point is painless and only takes a few minutes.
Before and after signing up, you can contact the company during business hours and ask any questions you may have.
What Can Be Removed?
No credit repair company is able to remove legitimate items from your credit report; however, Rising Point will work to get rid of those erroneous, outdated items that are plaguing your credit score. Some of the things that Rising Point can delete include the following:
- Late payments
- Closed accounts
- Negative settlements
Once these negative charges are removed, your score will improve and a lender will be much more able and likely to grant you favorable terms of a loan.