Every Service We Offer
Begins With Forensic
File Analysis.
No template letters. No dispute queues. Every engagement starts with a bureau-by-bureau Metro 2 audit, because you cannot dispute what you haven't documented, and you cannot document what you haven't analyzed.
Fixed-fee engagement · No-charge written verdict first
Six Services.
One Standard:
Documented Violations Only.
Every service below begins with the same forensic baseline, a bureau-by-bureau Metro 2 audit that maps every tradeline against the exact field specifications the credit bureaus are legally required to follow.
Bureau-by-Bureau Credit File Audit
Simultaneous pull and cross-reference of all three bureaus. Every tradeline mapped against Metro 2 format standards. DOFD conflicts, balance discrepancies, and status code violations documented in writing before a single dispute is filed.
Learn moreFCRA Litigation-Grade Dispute Filing
Disputes backed by section-specific legal citations, §611, §623, §609. No "not mine" letters. Each dispute package is a documented evidentiary record, structured the same way a federal FCRA complaint is built.
Learn moreFast Credit Repair for Mortgage Deadlines
Rapid-track engagement for clients with 30–90 day funding windows. Triage protocol identifies highest-impact violations first. Verified 45-day bureau response cycles honored throughout.
Learn moreBusiness Credit & SBA Funding Preparation
Personal file cleanup aligned to SBA underwriting thresholds. Tradeline scoring analysis, derogatory sequencing, and file positioning for business loan qualification. Coordinated with your lender's requirements.
Learn moreDispute Resolution Action Plan (DRAP)
The full 9-section litigation-grade dossier delivered as a standard client deliverable, statutory violations, tradeline enforcement audit, identity profile, bureau-specific escalation plan, and dispute letter set with legal citations.
Learn morePost-Bankruptcy & Complex File Recovery
Chapter 7 and Chapter 13 discharge compliance, re-aging violations, zero-balance reporting errors, and identity conflict resolution for files where prior credit repair attempts have complicated the record.
Learn moreBuilt for files that
other firms declined.
Pinnacle limits engagements to fewer than 500 clients per year, by design. Complex cases take time done properly.
Mortgage Applicants
Clients within 30–90 days of a loan closing who need targeted, documented violation removal, not a 6-month subscription. We work backwards from your lender's score requirements.
Business Owners & Investors
Executives and SBA loan applicants whose personal file is blocking business credit or investment funding. We align file cleanup to underwriting thresholds, not generic score goals.
Complex & Disputed Files
Clients who have already tried other services, and who now have a file complicated by prior disputes, verified-incorrect tradelines, or identity conflict that requires forensic untangling.
Four phases.
Every engagement.
All three bureaus pulled and cross-referenced simultaneously. Every tradeline mapped against Metro 2 format specifications.
Each flagged item reviewed against §611, §623, §609. Legal basis established in writing before any dispute is issued.
9-section litigation-grade dossier with bureau-specific escalation paths, legal citations, and documented evidentiary record.
Bureau responses tracked per tradeline. Non-compliant responses escalated, CFPB, state AG, or federal litigation referral when warranted.
Your file gets a written
verdict before anything else.
No sales call. No pitch. The credit diagnosis is a structured analysis of your file, what's wrong, what's actionable, and what Pinnacle would specifically do about it. No-charge. Written. Returned in 1–2 business days.
No upfront fee · No subscription · CROA §404 Compliant
See High-Income & Executive Credit Repair — boutique, forensic credit restoration for executives, investors, and high-net-worth professionals.
Explore by situation: high-income borrowers · bankruptcy recovery · business funding.