Pinnacle Credits is our dedicated credit repair service. We identify inaccurate, unverifiable, and unfair negative items on your credit report and dispute them directly with all three major bureaus — Equifax, Experian, and TransUnion.
No obligation — we'll review your credit situation for free.
Already enrolled? Access Your Client Portal
A transparent, step-by-step process from enrollment to a stronger credit profile.
We pull your credit reports from all 3 bureaus with one click.
Our system identifies collections, derogatory marks, charge-offs, and errors.
Professional dispute letters are automatically generated for each item.
Letters are printed and mailed directly to Equifax, Experian, and TransUnion.
Monitor every dispute round and score improvement in your client portal.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate, unverifiable, or unfairly reported item on your credit report. Pinnacle Credits fights for every item on your behalf.
Know where you stand and where you're headed
Ready to move up the scale?
Start Repairing NowWhen you enroll in Pinnacle Credits, you get access to a fully featured, secure client portal to manage and track every step of your credit repair journey.
A clean, real-time overview of your credit report status, active disputes, and progress across all three bureaus.
Professional dispute letters are generated automatically and physically mailed to Equifax, Experian, and TransUnion — all handled for you.
Get SMS and email alerts the moment a bureau responds to a dispute, an item is removed, or your next round begins.
Securely upload ID documents, credit reports, and supporting materials through the encrypted client portal.
Choose your billing model — monthly recurring, pay-per-delete, or hybrid. AutoPay and branded invoices included.
Track every dispute round across all bureaus. Each response is logged with delivery confirmation and outcome.
Sign service agreements and complete onboarding entirely online through your secured, branded client portal.
Direct communication with your assigned credit specialist via the portal message center, SMS, or email.
Full Spanish-language client portal support available for Spanish-speaking clients at no additional cost.
We combine the expertise of Pinnacle Mutual Consulting with a best-in-class credit repair platform to deliver results you can actually see.
All dispute processes are fully compliant with the Fair Credit Reporting Act and Credit Repair Organizations Act (CROA).
Bureaus are legally required to investigate disputes within 30 days. We submit immediately so the clock starts now.
No black boxes. Every letter sent, every response received, and every item removed is visible in your client portal.
Simple, straightforward billing with no surprise charges. You know exactly what you pay and when.
The credit bureau is legally required to investigate disputes within 30 days. Most clients see meaningful changes within 3–6 months depending on the number and type of items being disputed. We manage multi-round disputes to maximize removals over time.
Yes. The Fair Credit Reporting Act (FCRA) gives every consumer the legal right to dispute inaccurate, unverifiable, or unfairly reported information on their credit report. Pinnacle Credits exercises those rights on your behalf.
Not always. Accurate, verifiable negative information can legally remain on your report for up to 7 years (10 years for bankruptcies). However, errors, outdated items, and unverifiable accounts can and should be disputed.
After enrolling, you'll receive login credentials for your Pinnacle Credits client portal. From there you can view your disputes, upload documents, communicate with your specialist, and track your progress 24/7.
Just fill out the consultation form on this page. We'll review your situation and guide you through the next steps. You'll need to provide a copy of your credit reports and a valid government-issued ID to begin the dispute process.
The first step is a free, no-obligation consultation. Let us review your credit report and show you exactly what we can do.
Or call us directly: +1 (470) 558-6683
