Pinnacle Credit Management

Forensic-grade credit restoration.
Not an AI letter mill.

Two questions decide your engagement. Are you working the file yourself, or handing it over? And has any account on your report already been disputed and come back “verified”?

Start here

Which engagement fits your file?

Has any account on your credit report already been disputed and returned as “verified” by the bureau?

No, this is my first pass Credit Restoration works the bureau directly. Yes, or a debt buyer is reporting The Forensic Engagement moves to the furnisher. I want to work it myself The Dispute Toolkit gives you the method.

Not sure? A verified response means the bureau checked with the furnisher, and the furnisher confirmed the information. Disputing the same account again through the same channel usually produces the same result.

Engagements

Three ways in, decided by what your file needs.

Tier 01 · Self-directed
Pinnacle Dispute Toolkit
You have time, you have a first-pass file, and you want the method rather than the service.
$497one-time
Product · lifetime access
You work the file. We hand you the method.
  • The Pinnacle dispute template library
  • “The Forensic Method” training
  • Video modules, step by step
  • The Credit Surveillance material
  • Future updates included
  • Self-paced
Not right for you if accounts on your report have already come back verified, a debt buyer is reporting, or you are working against a mortgage or licensing deadline. Self-directed disputes will meet the same wall the second time.
Get the Toolkit
Tier 02 · Bureau-level
Credit Restoration
For files that have not yet been contested. Reporting errors, inaccurate balances and dates, accounts that were never properly investigated.
$5,000billed as completed
Analyst-led · reviewed by Andre
We work the bureau.
  • Metro 2 forensic audit, all three bureaus
  • Dispute Resolution Action Plan delivered
  • Individually drafted three-bureau disputes
  • MOV and validation demands on every insufficient response
  • Every response reviewed against Metro 2 field standards
  • Re-dispute cycles until the record is accurate or the channel is exhausted
  • Furnisher response log maintained for your file
  • Monthly file updates in the Client Lounge
  • Direct line to your Pinnacle team, 48 business hours
Not right for you if your accounts have already been disputed and returned as verified, a debt buyer is reporting, or you are under a hard deadline. Those files need furnisher-level work.
Book a strategy call
Tier 03 · Furnisher-level
Forensic Engagement
For contested files. When the bureau has already said “verified” and the reporting is still wrong.
$12,500milestone-billed
Andre leads the file personally · 13 years in credit repair, trained under founding-era FCRA practitioners
We work the furnisher. This tier exists to build a file that holds up if it ends up in front of counsel.
  • Metro 2 forensic audit, all three bureaus, expanded field-level review
  • Dispute Resolution Action Plan delivered, expanded
  • Individually drafted three-bureau disputes
  • MOV and validation demands on every insufficient response
  • Every response reviewed against Metro 2 field standards
  • Re-dispute cycles until the record is accurate or the channel is exhausted
  • Furnisher response log maintained for your file
  • File updates in the Client Lounge
  • Direct line, same business day
  • Pre-Litigation Roadmap delivered
  • Direct furnisher disputes and escalation
  • CFPB complaints prepared and filed
  • Attorney network handoff, file packaged for counsel
Capacity-limited Intake stays under 500 files a year across the firm. Forensic Engagements are led personally rather than assigned, so the roster is deliberately small. When it is full, new applications are waitlisted.
Not right for you if this is your first pass and nothing has been disputed yet. Start with Credit Restoration.
Apply for a Forensic Engagement

Forensic Engagement

How milestone billing works.

Nothing is due before work is performed. Payment is tied to completed stages, not to signing.

01

Forensic audit complete

Metro 2 analysis delivered as your Dispute Resolution Action Plan.

02

First dispute cycle complete

All three bureaus. Responses received and reviewed.

03

Furnisher escalation complete

Direct demands issued. CFPB filings on record.

04

File packaged

Pre-Litigation Roadmap delivered, ready for counsel handoff.

Your part

What we need from you.

Forensic work runs on documents. The faster these arrive, the faster the file moves.

At intake

Current reports from all three bureaus, photo ID, and proof of address. About 30 minutes.

During the engagement

Forward every bureau and furnisher letter as it arrives, unopened is fine. Roughly 10 minutes a week.

When we ask

Statements, payoff letters, or police reports on specific accounts. Usually two or three requests across the engagement.

What we never ask for

Bureau account passwords, or payment to any furnisher on our instruction. If you are asked for either, it did not come from us.

Side by side

The same rows, across every engagement.

  Toolkit Credit Restoration Forensic Engagement Annual
Best forFirst-pass file, self-directedFirst-pass file, handed overContested fileAfter any engagement
Who works itYouAnalyst, Andre reviewsAndre leadsAutomated monitoring, team review
Metro 2 auditMethod taughtAll 3 bureausAll 3 bureaus, expandedChange alerts only, no new audit
Dispute Resolution Action PlanNot includedDeliveredDelivered, expandedNot included
Bureau disputesYou draft, from templatesIndividually drafted, managedIndividually drafted, managedNot included
MOV / validation demandsMethod taughtOn every short responseOn every short responseNot included
Direct furnisher escalationNot includedNot includedIncludedNot included
CFPB complaintsNot includedNot includedPrepared and filedNot included
Pre-Litigation RoadmapNot includedNot includedDeliveredNot included
Attorney network handoffNot includedNot includedFile packaged for counselNot included
Response commitmentSelf-paced48 business hoursSame business dayClient Lounge
Concurrent file capNot applicableNot applicableWaitlisted when fullNot applicable
Price$497 one-time$5,000 as completed$12,500 milestone-billed$197 / month

After any engagement

Pinnacle Annual Engagement

$197/ month
Cancel anytime

A watch service for files that have already been through an engagement. Three-bureau monitoring with change alerts, Client Lounge access, and an annual strategy call. It does not include new disputes or a new forensic audit. If something surfaces that needs work, we scope it separately.

See the Annual Engagement

Questions

Before you choose.

How do I know which engagement I need?

The dividing line is whether your file has been contested. If nothing has been disputed yet, Credit Restoration works the bureau directly. If accounts have already come back verified, or a debt buyer is reporting, bureau-level disputes tend to produce the same result a second time, and the Forensic Engagement moves to the furnisher instead.

What does milestone-billed mean?

Payment is tied to completed stages of work, not to signing. Nothing is due in advance of performance. The four stages are the forensic audit, the first dispute cycle, furnisher escalation, and final file packaging.

What happens if items come back verified?

A verified response means the furnisher confirmed the information to the bureau. That is where bureau-level disputes stop and furnisher-level work begins: direct demands on the furnisher under FCRA section 1681s-2(b), a CFPB complaint on the record, and a documented file a consumer attorney can act on.

Can you guarantee items will be removed?

No. No credit repair organization can lawfully promise removal of accurate, timely information, and Pinnacle does not make score promises. What we commit to is the work itself: the analysis, the disputes, the escalation, and the record.