Credit Repair
December 13, 2017

Pyramid Credit Repair Review

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: It can be easier to call Pyramid at (866) 634-9255 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Known for: No initial fee. Most credit repair companies charge an initial fee to start services, since most don’t charge you anything until work is completed for the month, but Pyramid Credit Repair does not charge an initial fee.
  • Price: Like many streamlined credit repair service, Pyramid only offers one option for service at $99 a month. You can also sign up for a couples plan for $198 a month, which also includes 50% off the first month of service. On the plus side, there is no initial fee, so Pyramid is free to use for the first 5 to 15 days, depending on what state you live in.
  • Features: The best feature of Pyramid is that it offers a dedicated personal account manager that walks you through everything and monitors the progress of your credit repair. Pyramid, like other credit repair service, offers the repair fundamentals, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be. It will also negotiate with your lenders to remove negative items from your credit report. 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 actually has one of the strongest reputations of any credit repair service that we’ve reviewed. Most of its online reviews are extremely positive, with user reviews star ratings often beating out profession review star ratings. Although Pyramid has only been around since 2010, its owners say they are trying to reinvent the old credit repair model.
  • Guarantee: Another great feature of Pyramid Credit Repair is its 90-day 100% money-back guarantee if you are unsatisfied for any reason.
  • Customer service: Pyramid Credit Repair is known for its excellent customer service, which is important to people who are struggling with credit repair issues. 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.

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, 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.

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