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AMB Credit Consultants vs Pinnacle Credit Repair

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Pros
  • Unlimited and advanced disputes
  • User-friendly online portal
Pros
  • Comprehensive free consultation
  • Unlimited disputes with major credit agencies
Cons
  • No flexible plans
  • Not accredited by the BBB
  • They have a cancellation fee
Cons
  • Low BBB rating and no accreditation
  • Lack of transparency on services
Summary

AMB Credit Consultants, a Dallas-based credit repair company founded in 2007, has been helping consumers across America improve their credit scores for over a decade. AMB Credit Consultants, led by Arnita Johnson-Hall, who personally overcame credit challenges, offers a personalized "Credit Empowerment Program" that equips clients with the tools and knowledge needed to gain substantial credit leverage and achieve their financial goals. AMB Credit Consultants' services include customized credit solutions, credit report audits, dispute resolution, and ongoing credit education. The company operates on a "no progress, no pay" policy and provides clients with a 180-day money-back guarantee, showcasing their confidence in delivering results. With a team of seasoned experts proficient in credit analysis and dispute resolution, AMB Credit Consultants has garnered positive client feedback and a sterling reputation in the credit repair industry. The company's commitment to transparency is evident through their online client portal, which allows customers to track their credit repair journey in real-time. AMB Credit Consultants empowers individuals to transform their credit and financial lives by disputing errors on credit reports and providing comprehensive credit counseling. The company's mission extends beyond mere credit repair, focusing on instilling good credit decisions for sustained financial health.

Summary

Founded in 2012 and based in New York, the company claims they use advanced artificial intelligence software to identify and dispute negative items on credit reports, with a reported deletion rate of up to 80% within the first 15 days of service. Pinnacle offers two main service tiers: the Fast Track Elite program, which is more budget-friendly, and the Hire Me Personally option, providing direct access to the founder, Andre Nguyen, for personalized support. With nearly 30 years of experience in credit repair, Pinnacle purportedly provides services, including free credit consultations, credit monitoring, and access to personal credit mentors. The company maintains a transparent pricing structure and offers satisfaction guarantees. Despite positive feedback regarding their efficiency, some clients may find the one-time fees higher than competitors. Pinnacle Credit Repair aims to combine technology and personalized service in their approach to credit improvement. However, it is essential to note that the company's claims regarding their deletion rates and effectiveness may be promotional, and individual results may vary.

Quick Stats
  • BBB Rating : C+
  • Cancelation Policy : Unknown
  • Trustpilot Score : N/R
  • Initial Fees : One-time enrollment fee of $149
  • Money-Back Guarantee : Not available
  • Monthly Fee : Starts at $99 a month
  • Unlimited Disputes : "True"
Quick Stats
  • BBB Rating : F
  • Cancelation Policy : Unknown
  • Trustpilot Score : 3.4 out of 5-star
  • Initial Fees : 98 dollars
  • Money-Back Guarantee : 120 days
  • Monthly Fee : Starts at $98 a month
  • Customer Experience : "True"
  • Unlimited Disputes : "True"
Selling Points
  • Unlimited case reviews upon request
  • Unlimited and advanced disputes
Selling Points
  • Satisfaction guaranteed
Services & Perks
  • Undisclosed
    Cease & Desist Letters
  • Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Credit Report Analysis from Credit Bureaus
  • Credit Score Monitoring
  • Undisclosed
    Creditor & Debt Collector Communication
  • Undisclosed
    Debt Validation
  • Undisclosed
    Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Undisclosed
    Financial Education Resources/Tools
  • Undisclosed
    Free Consultation
  • Undisclosed
    Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Services & Perks
  • Undisclosed
    Cease & Desist Letters
  • Undisclosed
    Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Undisclosed
    Credit Report Analysis from Credit Bureaus
  • Credit Score Monitoring
  • Undisclosed
    Creditor & Debt Collector Communication
  • Undisclosed
    Debt Validation
  • Undisclosed
    Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Undisclosed
    Financial Education Resources/Tools
  • Undisclosed
    Free Consultation
  • Undisclosed
    Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Undisclosed
    Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Undisclosed
    Mobile Application
  • Phone
  • Ticket
Payment Options
  • Undisclosed
    Automatic bank drafts (ACH)
  • Undisclosed
    Checks
  • Undisclosed
    Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal
Payment Options
  • Undisclosed
    Automatic bank drafts (ACH)
  • Undisclosed
    Checks
  • Undisclosed
    Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal

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