About Us

 Best Credit Repair Companies in San JoseEver since The Fair Credit Reporting Act (FCRA) was passed in 1970 our experts started removing negative information off of credit reports regardless of how difficult creditors been working to make it complicated to dispute information. We have been repairing credit for over 30 years and there is nothing we have not been able to remove off of a consumer credit report so don’t lose hope!

Call for a FREE analysis of your Equifax, Experian, and TransUnion credit reports: 858-252-6053

Pinnacle Credit Management’s Process

1. Client Review

Once you contact our firm, we help you obtain a copy of all three of your credit reports via Here. Each report is unique so we will highlight all specific information of each report so we are prepared to dispute it with the bureaus or the creditor directly. 

2. Legal Action

Our attorneys and company authorized personnel assigned to you will work on your behalf directly with the bureaus and deal with all of the correspondence so you can sit back and wait until your credit report is cleaned. Each negative item is thoroughly reviewed so we pick the best strategy in order to remove the negative item. Our disputing process is electronic and 85% fast than our competitors.

3. Fico Score Review

All of our clients received full personalized reports with our own branded credit monitoring service here.  Our staff is always available by phone nonetheless we will call you and give you the proper guidance to help boost your score by adding our in-house primary trade-lines that may add 200pts to your fico score as soon as you add them.

What are the applicable consumer protection Laws?

1. Fair Credit Reporting Act (FCRA)

Enables consumers protection against inaccurate, outdated, and unverifiable credit bureau records. (Click Here)

2. Fair Credit Billing Act (FCBA)

Was established to make sure creditors are compliant with how they report your payments to the bureaus as well as how they treat you. (Click Here)

3. Fair Debt Collections Practices Act (FDCPA)

Regulates how debt collectors can legally contact you and collect a debt. (Click Here)

4. Fair Accurate Transaction Act (FACTACT)

Its primary purpose is to reduce the risk of identity theft by regulating how consumer account information (such as Social Security numbers) is handled. (Click Here)

5. Credit Repair Organizations Act (CROA)

It intends to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. (Click Here)