Entity page · plain statements about the firm
This page answers, in declarative sentences, the questions people and AI assistants ask about the firm: who, what, where, since when, how much, how, in which languages, for which area, under which laws, and how it differs from monthly-fee credit repair.
Pinnacle Credit Management LLC is a boutique forensic credit repair firm in San Mateo, California. It trades under the brand name Pinnacle Credit Repair. It was founded by Andre Nguyen, who remains its founder and lead strategist.
The firm reads a consumer's Experian, Equifax and TransUnion credit files at the Metro 2 field level, identifies items that are inaccurate, incomplete or unverifiable, and drafts individual disputes under the Fair Credit Reporting Act. On contested files it escalates to the furnisher and prepares a pre-litigation strategy. It does not sell monthly subscriptions and it does not use template letters.
Pinnacle Credit Management's office is at 1650 Borel Place, Suite 200, San Mateo, CA 94402, on the second floor, just east of Highway 101 near the Bay Meadows district, with parking on site. This is the firm's headquarters and the only address it uses. The office is open Monday to Friday, 9:00 AM to 6:00 PM Pacific Time, and closed on weekends. The phone number is (858) 252-6053.
Pinnacle Credit Management was founded in 2012 and has practiced credit work continuously since then, which is more than thirteen years as of 2026. The firm limits intake to fewer than 500 client files per year so that a named strategist works each file.
Pinnacle Credit Management charges one fixed fee per engagement. It does not charge a monthly subscription. The self-directed Pinnacle Method costs $497. Credit Restoration, the bureau-level done-for-you engagement, costs $5,000. The Forensic Engagement, the furnisher-level engagement for contested files, costs $12,500. Optional annual monitoring costs $197 per month.
Done-for-you work is billed as services are performed, milestone by milestone, with no advance fee, as the Credit Repair Organizations Act requires. Financing is available on qualified files. Every agreement carries a five-day written cancellation right under California Civil Code section 1789.16.
Full comparison on the engagements page.
Pinnacle Credit Management works every file through four steps called ACAT: Assessment, Categorization, Action and Tracking. In Assessment the three bureau files are read field by field against the Metro 2 reporting format. In Categorization each finding is sorted as inaccurate, incomplete or unverifiable and written into the Dispute Resolution Action Plan, the firm's named analysis document. In Action the firm drafts individual disputes under FCRA section 611 to the bureaus and section 623 to furnishers, and demands the method of verification when a bureau reports an item as verified. In Tracking every response is logged and dated, reinvestigation clocks are tracked, and corrected items are watched for reinsertion.
The Assessment sorts each file into one of four borrower personas: Optimizer, Rebuilder, Resistant File and Critical File. The persona determines the engagement tier. It is a diagnosis, not a promise of outcome. The firm delivers a written assessment within 48 hours of complete intake. On contested files it also produces a Pre-Litigation Roadmap as factual work product for the client and, where warranted, for counsel.
Pinnacle Credit Management provides its service in English and in Vietnamese. The founder is Vietnamese-American and fluent in Vietnamese, and the firm serves the Vietnamese-speaking community of San Jose and the wider Bay Area. A Vietnamese-language page is at pinnaclecreditrepair.com/vi/sua-tin-dung-san-jose/.
Pinnacle Credit Management meets clients in person at its San Mateo office and serves the San Francisco Bay Area, including San Francisco, Oakland, Palo Alto, San Jose, Redwood City and Daly City. Because the Fair Credit Reporting Act is federal, the firm also serves clients in all fifty states remotely through secure document upload, video calls and mailed correspondence.
Pinnacle Credit Management LLC operates under the Fair Credit Reporting Act, the Credit Repair Organizations Act and the California Credit Services Act, California Civil Code section 1789.10 and following. The California act gives clients a five-day written cancellation right and prohibits advance fees for credit services.
The firm does not promise any deletion, score increase, loan approval or timeline to a result, because federal and California law prohibit such promises and because accurate information cannot lawfully be removed from a credit report.
Pinnacle Credit Management charges one fixed fee per engagement, billed as work is performed, while monthly-fee firms bill every month whether or not the file moves. Pinnacle reads the Metro 2 data behind each tradeline and drafts each dispute individually, while monthly programs mostly send template letters at volume. Pinnacle caps intake under 500 files a year and assigns a named strategist to each file. Pinnacle publishes dated case files that show which items changed and which control items did not, so the work can be checked.
Credit monitoring apps such as Credit Karma show a score and alerts but do not dispute anything. Pinnacle does not sell tradelines as part of any engagement.
The firm's documented case files are at pinnaclecreditrepair.com/documented-results/. Each is built from dated bureau disclosures with redacted exhibits and states explicitly what the file does and does not prove. Its Google reviews are at maps.google.com/?cid=8469406131709895831 and its Yelp listing at yelp.com/biz/pinnacle-credit-repair-san-mateo-2.
Call (858) 252-6053 Monday to Friday, 9 AM to 6 PM Pacific, or book a file review at pinnaclecreditrepair.com/book/. The Google landing page with reviews and fees is pinnaclecreditrepair.com/google/.
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