Pyramid Credit Repair Review

Written By Jeff Hindenach
Last updated January 27, 2021

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Credit Repair
December 13, 2017

Simple. Thrifty. Living.

Using a credit repair company is an effective way to receive help with a delinquent credit report, especially if you’ve fallen behind on credit card payments or if there was a loss in income causing your bill payments to become delinquent. When you sign up for Pyramid Credit Repair, you can get help to improve your credit score and remove negative items from your credit report(s).

Pyramid Credit Repair Review

Pyramid website

Pyramid Credit Repair Review image
  • Signing up: Call Pyramid at (866) 634-9255 or sign up on the website here.
  • Known for: No initial fee.
  • Price: Pyramid Credit Repair costs $99 a month. If you sign up for a couples plan at $198 a month, you get 50% off the first month of service.
  • Features: In addition to the credit repair fundamentals, Pyramid offers a dedicated personal account manager that walks you through everything to do with improving bad credit through credit help and monitors the progress of your credit repair. Pyramid also has in-house licensed attorneys, which is unusual for a credit repair company. Only Lexington Law offers the same service.
  • Cancellation: Pyramid Credit Repair’s services are month-to-month, so you can cancel at any time.
  • Reputation:  Pyramid has one of the strongest reputations of any credit repair service we have reviewed, with most of its online reviews being extremely positive.
  • Guarantee:  Pyramid Credit Repair offers a 90-day, 100%-money-back guarantee if you are unsatisfied for any reason.
  • Customer service: Pyramid is known for its excellent customer service. Pyramid offers you a personal account manager to deal with your issues, but also has a complete support center as well as phone service available Monday through Saturday.

Get started with Pyramid here  |  (866) 634-9255

You have three separate credit reporting agencies, Experian, Equifax and TransUnion that will allow you to dispute charges on your reports. When you dispute a charge, the creditor with the account will have 30 days to validate that the transaction details. If they can’t, you may be able to have the item removed. Check our review of Lexington Law and to get a better idea of how Pyramid stacks up against competitors. Read our Credit Saint reviews if you are looking for something more affordable.

How Do You Sign Up?

To start Pyramid Credit Repair, call toll-free at (866) 634-9255. The Pyramid Credit Repair service is $99 for the Singles Plan or $198 for the Couples Plan per month. They offer a 100-percent money-back guarantee. You can sign up and cancel anytime. If you are looking for a more affordable option, check out our review of Sky Blue Credit Repair, which offers a discounted version of credit repair at $49.95 per month.

To get started:

  • Sign up with the $0 initial investment for the Singles or Couples Plan. Tip: Couples get 50% off the first month’s fee.
  • In 24 hours, login to your new online account.
  • Let your dispute manager work on your credit recovery plan.

What’s Included in the Fee?

When you sign-up and pay for the $99 Singles Plan or the $198 Couples Plan, a dedicated dispute manager can look at your credit report with you. They may send good faith letters to your lenders to lower existing debts, help fix mistakes on your credit report, and help remove items that should be discharged if they are older than seven years or not your account.

Can Every Item Be Removed?

Not all items can be removed from your credit, but don’t let that frustrate you. While it can be a slow process because they have 30 days to dispute charges, if an item can be removed, it will help improve your score.

Is Pyramid Credit Repair Safe?

Yes, Pyramid Credit Repair has five-star feedback on several review sites like Yelp and TrustSpot.


Pyramid Credit Repair believes in transparency. They have very positive reviews on sites like TrustSpot, Yelp, SiteJabber and Highya.

Pyramid Credit Repair is a leading credit repair service. They follow guidelines established in the Credit Repair Organization Act. These are guidelines which include rules like they can’t ask for money upfront. They don’t. They offer a trial period before starting a paid plan.

Another guideline is that your contract has to be in writing and the business should offer a cancellation policy. Pyramid Credit Repair offers a 90-day, 100-percent money-back guarantee. Contracts are in writing and you can cancel anytime.

Pyramid Credit Repair has an excellent reputation for helping customers with credit repair related services and improving credit scores. They have ranked consistently as one of the top credit repair services with over 179 positive credit reviews, 10/10 recommendations, and a TrustSpot of 9.9 out of 10 from customers.

0-4 Star Reviews

Of the 179 total reviews listed with TrustSpot, there were no negative reviews. The lowest ratings were two 3-star reviews below:

  • 6/3/16: “They fixed a good deal of the items on my credit but my score didn’t go up as much as I was hoping for. I needed to get a new loan and I still didn’t qualify. I stayed with them for a month but getting only 7 items removed did not seem worth it to me. They gave me some good advice on how to work on my credit myself as well.” Note: Creditors have 30 days to respond to disputes. Talk with your dispute manager about loan application time frames.
  • 8/22/15: “Didn’t get the results I was looking for. I’ve hears a lot of good things about them and they give me a lot of advice, but I was hoping for better results.” Note: Discuss your expectations with Pyramid Credit Repair as each credit report is different.

5 Star Reviews

There are 157 5-star reviews:

  • 10/24/17: “Very helpful team. Great Job and would definitely recommend their services.”
  • 10/13/17: “Very good company in the sense that they are very upfront.”
  • 10/6/17: “Thanks to my dedicated dispute manager Mike…I’d definitely recommend them to anyone.”
  • 10/3/17: “It’s a real deal! I had an 80+ points increase in all my 3 bureaus credit score in just a month. I highly recommend Pyramid Credit Repair.”
  • 10/1/17: “Decent work done, I actually had a pretty good score before, but I was able to get another slight bump.”
  • 9/21/17: “They’re my favorite people, ever at any company, ever. They helped me so much and walked me through everything so easily…I wasn’t just another apple in the bunch.”
  • 9/19/17: “Jason and his staff were wonderful…Overall I am glad I trusted this company.”
  • 8/21/17: “The results they achieved were outstanding!”
  • 8/21/17: “Couldn’t have picked a better company to go with.”
  • 8/17/17: “I’m currently sitting at the highest score I’ve ever had in my life.”

For more customer reviews or to share your own experience, you can refer to the TrustSpot website.

If you’re thinking about using a credit repair service, call Pyramid Credit Repair if you have any questions.

Pyramid Credit Repair offers:

  • Pro Analysis with Real-Time Updates
  • Dedicated Account Managers
  • Score Assistance
  • Credit Building
  • Debt Validation
  • Custom Dispute Letters
  • Negotiation Guidance

Credit Protection Your Way

With Pyramid Credit Repair, you will receive a Pyramid Care Package with USB card in the mail and you can use a centralized dashboard to track your credit scores and view real-time analyses.

Personalized Service, Because they Care

When you call, you’ll know you’ve come to the right place. Because Pyramid Credit Repair is a smaller company, they can spend more time with customers. Their customer service team is friendly, informative and ready to assist.

Don’t Let Bad Credit Ruin Your Future

You may have items on your credit report that can be removed. If left unaddressed, they can lead to high-interest rates that make it hard to get loans. Some employers may not hire you if you have a bad credit score.

Let Pyramid Credit Repair Go to Work for You

Your credit ratio makes up 30 percent of your FICO score, which helps lenders make credit decisions about you. Lenders use your credit score to determine your risk when it comes to whether you’ll pay them back. That’s why banks look at credit reports: they’re summaries of your credit risk in a snapshot. Your score ranges from 300 to 850. The higher the score, the better your credit.

Even if you’ve made credit mistakes in the past, let Pyramid Credit help with their Pyramid Credit Repair program. Whether you want to apply for a mortgage for your dream home or apply for a loan for a new car, take the necessary steps to improve your credit score first so you can have better interest rates in the future.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

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