We have primary tradelines which are direct accounts with two major financial institutions that will extend you unsecured credit to existing notes as long as you pay a small fee. (Results Here)
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There is no negative item we cannot remove off your credit report! We are so confident we can help you that our services have a 60 day satisfaction guarantee or your money back! (Refund Policy)
Tired of Having Bad Credit Problems?
We understand the problems you face every day by having bad credit and will help you clear every negative account on your report fast, and show you how to get large credit limits with 3 simple techniques. If you haven’t thought about credit repair at all, think about it now, because a bad score does not only affect your stance on the loans or debts you take, it can make you jobless, homeless, and devoid of every other service or asset you hold so dear to yourself.
Why should I fix my credit score?
You might think bad credit only keeps you from getting a credit card or loan, but it goes further than that. Bad credit can leave you homeless, carless, and jobless. That’s because more and more businesses are using your credit to make decisions about you. Still not convinced it’s time to get your credit act together?
Here are 15 reasons you need to fix your score
1. Save Money on Interest
Low credit scores typically mean higher interest rates, and that means higher finance charges on your credit card balances. Repairing your credit would allow you to get a more competitive interest rate and cut back on the money you pay in interest.
2. Stop Paying High Security Deposits
Utility service providers and even phone companies check your credit before allowing you to establish service. To offset the risk of a default, those service providers charge you a deposit. Making your payments on time will allow you to get your deposit back. Improving your credit score keeps you from having to pay the deposit altogether.
3. Get a Lower Insurance Rate
Believe it or not, your credit affects your insurance premiums. This includes auto, life, and home insurance. A bad credit history means you’ll pay more for insurance than you would if you had better credit.
4. Stop Paying Cash For Everything
If you have bad credit, you’ll have a hard time getting a credit card, which means you’ll end up paying cash for everything. It may not be a nuisance until you need to do something like renting a car, where you have to pay an extra deposit if you don’t use a credit card.
5. Get A Higher Credit Limit
Generally, as you demonstrate you can pay your bill on time, your creditors will increase your credit limit. But, before a credit card issuer will check your credit score before increasing your credit limit. A bad credit history might get your credit limit cut hurting your credit score even more by raising your credit utilization.
6. Stop Debt Collector Harassment
Repairing your credit includes paying off those debt collection accounts. Until you do, you face relentless calls and letters from debt collectors. While you can take action to stop debt collector calls, collection accounts often move from one debt collector to another. When a new collector gets your debt, you’ll have to go through the process of sending letters to stop the calls all over again.
7. Feel Better About Your Credit Score
After you repair your credit, you won’t have to be afraid of checking your credit score or worse, having someone else check it. You can have confidence knowing you have a healthy credit score.
8. Buy a New House
Homeownership has always been the American Dream. Bad credit is the nightmare that keeps you from realizing that dream. Many banks won’t lend you a mortgage until you’ve repaired your credit. Those that will approve you with a high-interest rate that makes home ownership cost a lot more.
9. Rent an Apartment
Not only can bad credit keep you from buying a home, it can also keep you from renting an apartment. Many landlords now check credit to determine the likelihood that you’ll be late on your rent. Bad credit could get your rental application denied.
10. Buy a New (Or Newer Car)
Auto lenders are among the many businesses that check your credit before lending to you. Without a good credit score, your auto loan application could be denied leaving you to drive the same vehicle.
11. Get a Job
Employers check credit before deciding to hire you. Some government, financial, management, and executive jobs are particularly curious about your financial history. A bad credit history could cost you the job, or the promotion you’ve been working hard to get.
12. Take Some Financial Pressure Off Your Spouse
When one spouse has better credit than the other, the spouse with good credit will be the one applying for the loans and credit cards. Improving your credit will let you bear some of the credit-brunt rather than placing it entirely on your spouse.
13. Stop Relying On Co-Signers
When you have bad credit, you’ll often need others to co-sign for your loans and credit cards. If you can find someone to co-sign, you’re putting financial pressure on them but they don’t receive any of the benefits. Repairing your credit will save you the time and hassle of burdening someone else with co-signatures.
14. Start Your Own Business
Starting a new business takes money, so many entrepreneurs rely on small business loans to get their businesses off the ground. Bad credit can keep you from getting the financing you need to start your new business. You’ll have to improve your credit before a bank will give you a loan.
15. Protect Your Children’s Credit Score
Having bad credit can tempt you to use your child’s credit. You might think you’d never do that but you never know what you’ll do when you’re desperate. Say you have to have electricity turned on, but your credit’s too bad. You could easily rationalize using your child’s credit to have the electricity turned on. Keep your own good credit and you won’t think about exploiting your child’s.
Over 250,000 deletions in 2017
Inaccurate, outdated, and unverifiable items removed from our clients’ credit reports.
At Pinnacle Credit Management we bring to you fast credit repair services unlike any other company around. We know how hard the search for the right credit repair company can be. We are a trusted company and have local offices in the San Francisco Bay Area, New Jersey, and New York City. We want to prove that we are the best in the business so we offer a totally risk-free, no obligation guarantee! If we are not able to improve your credit we will refund all of your money no questions asked! Your relationship and our reputation are important to us. We strive to build your credit score fast so you can achieve your financial goals. We want to be remembered as the company that changed your life!
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