Credit Restoration
Pinnacle Credit Solutions is here to help you meet your credit score goals to secure funding for your small business. Our credit restoration services can help you work to remove the inaccurate or unfair negative items listed on your credit report helping you prepare for the small business funding application process.
What is Credit Restoration?
Credit restoration is the process of addressing and removing questionable negative and incorrect items impacting your credit score.
Surprisingly, millions of Americans are victims of unfair negative and incorrect items that lower their credit scores through no fault of their own. Most people are not even aware of this.
To remove a damaging item, credit restoration agencies require that you work through their complicated online systems and send them a series of formal dispute letters. To make the process easier, Pinnacle Credit Solutions can identify and start and challenge questionable incorrect and harmful items in pursuit of securing funding for your small business.
Credit Restoration Pricing
Credit looks different for every person. By extension, so does credit restoration. Some cases of credit restoration are also more complex than others. In our experience, those of entrepreneurs and small business owners fall into that category.
Consumer credit is used for mortgages, car loans, and personal credit for such things as vacations. In contrast, business credit is used to fund business growth for inventory, capital equipment, inventory, and marketing campaigns. Business credit is needed to borrow significantly more money than with consumer credit. For entrepreneurs and small business owners, their personal credit history is their door to access business credit, complicating the credit repair process.
At Pinnacle Credit Solutions, our expertise is not only with credit restoration but also with the business funding process. We apply this expertise to the credit restoration process for our small business and entrepreneurial clients to present in the most favorable light when applying for business credit. The result is to significantly increase their chances of securing the funding they need to grow their business.
Credit is different for every person, including small business owners. As a result, pricing for every client is different. Pricing for our credit restoration services is provided on an individual basis after your credit restoration specialist has thoroughly analyzed your credit situation and your business funding goals. Please consult a PCS credit restoration specialist for pricing.
What our clients say
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Is credit restoration right for you?
Depending on the status of your credit report, credit restoration may not be the course of action to raising your credit score. Our credit restoration services are designed to help entrepreneurs and small business owners restore their credit of negative inaccuracies and incorrect items in preparation of applying for small business funding.
Answer the following questions to find out if our credit restoration services are right for you.
- Have you recently had your credit checked?
- Have you ever been denied a loan or credit card?
- Have you ever made a late payment?
How Long Does Credit Restoration Take?
The credit restoration process can be a complicated process. As a result, there is no way to predict in advance how long it will take to restore your credit. However, in the past, it has taken us about six months to do what was needed to get results. As every credit situation is unique, the time required may take more or less to get the desired results.
FAQ's
Unfortunately, credit restoration cannot be guaranteed. However, we will guarantee that we will do everything in our power to help you secure a fair, accurate, and substantiated credit report.
We accept payments by credit card or an automatic draft from your checking account.
Our top priority is providing you with the best service. However, if we aren’t meeting your expectations or you no longer need our service, you can cancel at any time by calling (855) 461-0408.
Yes, our credit restoration services work as we have seen positive results with those people who have followed our services.
While how long you’ve had access to credit, can affect your credit score, there is no particular amount of time required. Generally speaking, the longer you have had a trade line, the better.
Employers are permitted by federal law to access a modified version of your credit report for the purposes of hiring and promotion. However, in California, this is limited to jobs with financial or management responsibilities. Your potential employer, and your employer, is required to obtain your permission prior to accessing your credit report.
There are many factors that go into being approved for a loan. However, you will need at least a score of 620 to be approved for a home loan. Some lenders will approve scores as low as 500 but you will pay more in the form of interest.
Again, with personal loans, the minimum accepted score depends on the amount of money being requested. A score of 700 or higher is ideal. However, some lenders will approve lower scores but you will pay more in the form of interest.
The minimum accepted score will depend upon the amount of money you are requesting. Some lenders will approve score as low as 500 but you will be paying more in the form of interest. However, a credit score of 660 or above is recommended.
Those who are considering loaning you money are the ones looking at your credit report. This includes banks, credit card issuers, credit unions, and others.
By law, the credit reporting agencies have to provide you with a free credit report every 12 months. You can claim your free credit report at http://www.annualcreditreport.com.
Your FICO score is a three-digit number determined by the information contained within your credit report. While FICO doesn’t collect the information themselves, their algorithm determines your score. Currently, their score is used in 90% of all lending decisions.