Frequently Asked Questions (FAQ)

Home » Frequently Asked Questions (FAQ)

How long before I see results?

We cannot legally guarantee the outcome of any situation, but we can tell you that out of the 2000 plus clients we have serviced within the past 3 years have seen 80% of negative information removed within the first 30 days of becoming a client, everybody's situation is different so you to get the best answer pertaining to your own situation you need to schedule a credit evaluation with one of our consultant.


What if all my negative items are accurate?

The F.T.C & the F.C.R.A determine the accuracy of any information on your credit report not you so if you are reading this probably cannot decipher whats accurate or inaccurate and will need to schedule your free consultation with one of your credit consultants to understand what is accurate and not accurate on your report.


Can you help while I’m going through bankruptcy?

It doesn't matter what stage of the bankruptcy you are in, as it makes no difference to the F.C.R.A and the Federal Trade Commission standards and statutes. Also remember the big three (Transunion, Equifax, Experian) have to adhere to the F.C.R.A (fair credit reporting act) which is mandated by the Federal Trade Commission and fortunately for you we can challenge any information that is being reported as for any public record as well.


Is credit repair worth it? why?

That is relative to two simple things: your assets versus your liabilities, by understanding how much it will cost you and your return on that investment. Typically on average our client can save hundreds of thousands on interests within 15- 30 years if they are looking to purchase a home for the first time or looking to refinance their existing mortgage. Just consider all of the benefits of having perfect credit again.


What are the costs associated with your service?

We focus on completely removing every single negative item on all five credit bureaus (Transunion, Equifax, Experian, Innovis, and Lexis Nexis) Our pricing is dependant upon how many negative items are on your report and their current status i.e closed or opened accounts. You must call in our credit consulting team within normal business hours and receive your free consultation in order to  receive a quotation because everybody's case is different and may or may not require additional services to ensure 100% deletion.


Can we communicate through Email?

We assist you throughout your credit-repair process. We are always available by email  to answer any question you may have through our support team @ info@pinnaclecreditmanagement.com .


Where are your offices located, do you have office in my area?

Our headquarters is located in Howell, New Jersey and we have a handful of offices around the nation. However our credit consultants and support team are available by phone or email to help assist you with your credit goals.


What are the hours I can speak with a credit consultant or someone from your support team?

We understand how important it is to keep informed of any status and or changes on your credit report and so we have made our team available during regular business hours from the east coast to the west coast (See Below).

Call 866-410-3426 (FICO)

M-F 8 AM-Midnight EST-PST

Sat 9 AM to & 7 PM EST-PST

Sun 11 AM to 7 PM EST-PST


What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act.


What are the three credit bureaus?

A company that collects information relating to the credit ratings of individuals and makes available to credit card companies, financial institutions, etc. Transunion, Experian, and Equifax are the three major credit bureaus in America.


What is a charge off and how do I remove or fix them on my credit report?

A charge-off or charge-off is the declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of six months without payment. You can remove or fix these types of derogatory marks by scheduling a credit evaluation and signing up with our credit repair program.


How long does it take to fix bad credit?

That is completely dependant upon how much negative information you have on your credit report. The best way to answer that question if you are the one in need of credit repair is to schedule a free credit evaluation and getting those questions answered with our highly trained credit consultants.

Send us your credit report to receive a quote

1. Go to www.creditchecktotal.com 2. Click on Get Your 3 reports & FICO Scores 3. On right side of screen it states “Don’t have a username” CLICK on “click here to get started” 4. Fill out all of your personal information in and payment information to sign up 6. Submit your log in credentials (username, password , last four of your social security number) to this contact form and we will email you with a quote followed by a call from our Head Credit Pathologist Andre "Take Care Of Your Credit & Your Credit Will Take Care Of You"

X
Pull Credit & Get Quote