Rising Point Solutions
4.2
5.8
Overall Score
Author: Kaitlyn Short
Rising Point Solutions was founded in 2005 and has locations in both Texas and Oklahoma. Rising Point Solutions' clients are provided with a no-cost consultation with detailed insight into their credit and the educational tools they will need for success, including resources to help build credit. Rising Point Solutions maintains contact with customers throughout the credit repair process with its online portal system and dedicated customer service representatives. 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.
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The Good
- One-on-One Customer Support
- Customizable Plans
- Services Multiple States
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.
Customizable Plans
Rising Point Solutions has three plans that can each be customized to fit individual clients' needs. This is done on a case-by-case basis.
Services Multiple States
Rising Point Solutions services several states including Florida, Colorado, California, Michigan, Massachusetts, Nevada, North Carolina, West Virginia, Washington, Virginia, Utah, Texas, Oklahoma, New Mexico, Illinois, Kansas, and Louisiana.
The Bad
- No On-Staff Attorneys
- Poor Online Transparency
- High First-Time Fee
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 company's website, very few, if any, of Rising Point Solutions' staff, are qualified to handle such matters.
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
High First-Time Fee
The first time fees that Rising Point Solutions requires from customers is fairly high at $219. Although the company's monthly fees start at $99, which is about average for the industry, they do not offer a money-back guarantee. This might be a down turn for customers looking for the ability to get a refund.
The Bottom Line
With Rising Point Solutions, customers in select areas can expect good customer service, one-on-one attention from company representatives including customizing plans, and services several states; however, because so little information regarding personal qualifications is readily available and there is no refund policy, customers may not be as satisfied with the company's credit repair service as they are with its customer service.
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