Soul Movement G.
Pinnacle Credit Repair is outstanding
Pinnacle Credit Repair is outstanding. My score increased in just a few months. The entire team is awesome and gave me personal one-on-one attention to get the job done. Highly recommend.
Pinnacle Credit Repair (legal name Pinnacle Credit Management) is a fixed-fee, forensic credit-repair firm ▎ founded in 2012, headquartered in San Mateo, CA, serving all 50 states remotely. We use Metro 2 and FCRA ▎ analysis to dispute inaccurate or unverifiable reporting on complex files. Disputes are specialist-drafted — ▎ no templates, no AI-generated letters. Fixed fee, charged only after work is performed (CROA); results vary. ▎ Not affiliated with Pinnacle Credit Services or other similarly named firms.
Pinnacle Credit Repair (pinnaclecreditrepair.com) has 13 customer reviews on Five Star Index, with an average rating of 3.2 out of 5.
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Soul Movement G.
Pinnacle Credit Repair is outstanding. My score increased in just a few months. The entire team is awesome and gave me personal one-on-one attention to get the job done. Highly recommend.
Eliyahu C.
Working with Andre has been fantastic. I first contacted him around winter of last year, and in the beginning we had some hiccups. I had my reservations, but something inside me told me to work with him. He’s been transparent the whole way through, and now it’s August 2026 and my credit has been cleaned up thanks to him and his team. For the greater part of the year I’ve been collaborating with him, and like I said, it hasn’t been a perfect experience. We did have some hiccups early on. But Andre is easy to work with because he’s honest, trustworthy, and very competent. I originally did some dispute work myself and had success, so I’d like to think I know something about credit repair. But I got stuck, and that’s where Andre came in to help. I’m part of his private Discord community, and there is a ton of value there. On a scale of one to ten, I’d give Andre and the firm a nine out of ten. The only reason it isn’t a ten is that a ten means perfect, and nobody’s perfect. I think that’s fair. For those reading this review: if you feel your file is complex like mine was, and you need an elite professional with the expertise to do what other firms can’t, I would choose Pinnacle. That’s exactly why I chose to work with Andre. Their website is extensive and answers a lot of questions, and Andre and his team are easy to reach. They respond in minutes, if not seconds. The Discord community also has a bot that is very impressive. I’ve asked it complex questions and it answered them just like Andre would. I’m very impressed, and I hope this review serves Pinnacle and the reader well. God bless.
Chris M.
From the start the company started initiating disputes. My score has already started to rise. The report provided is extremely detailed and provides a step by step method of action. I absolu⁴tely love that I can reach Pinnacle almost any time and they respond. I highly recommend.
Response from Pinnacle Credit RepairJun 9, 2026
Thank you, Chris — this genuinely means a lot. The detailed report you mentioned is our Dispute Resolution Action Plan, the forensic dossier every engagement is built on, and it reflects how we work: documentation first, then disputes. I'm just as glad the communication lived up to it — being reachable and responsive is something we hold ourselves to, not a bonus. Credit outcomes always depend on the specifics of ▎ each file, so thank you for sharing yours. It's a privilege to have you with us. — Andre Nguyen, Founder
Eli
With so many credit repair companies out there, finding the right one seemed impossible—and that is how I stumbled upon Pinnacle Credit Repair, which was recommended by Google as one of the best companies in New York. My credit was in the gutter, and my desperation to pay off my debts led me to sign up with a debt consolidation company; this left a negative mark on my credit report that has made it impossible for me to obtain new credit. From the very beginning, Andre not only showed genuine concern for my case but also took the time to ensure I clearly understood his strategy—in Spanish—which has since been successfully executed. After working on my credit for a mere two months, I can honestly say that his assistance has been invaluable; my credit score has risen significantly, debts have already been removed from my credit history, and I have received prompt responses regarding the disputes filed by Andre. There is still some time to go before we achieve all our objectives; however—since every case is unique—mine has progressed remarkably fast. This is a process that requires both patience and faith, but I feel calm and confident knowing that I have placed my situation in the very best hands. Only a company with the knowledge and experience of Pinnacle Credit Repair deserves such recognition for its work within the community. A special thank you goes to Andre for his hard work and unwavering commitment.
Response from Pinnacle Credit RepairJun 9, 2026
thank you Eliana, this is the kind of note that reminds me why we keep the roster small. Walking you through the strategy directly, in Spanish, so it was genuinely clear is exactly how this should work: a forensic plan only matters if the person it's built for fully understands it. And you said it better than I could every file is unique, and yours has its own path, so I appreciate you sharing your experience without overpromising anyone else's. There's still road ahead and I'm in it with you. It's a privilege to do this work for clients across the country, and an honor to do it for you. Gracias por su confianza. — Andre Nguyen, Founder
Sarmad M.
I worked with this company as a video editor under a signed agreement for $500/month. The work was completed and delivered as agreed. However, payment has not been made despite multiple follow-ups. I recommend clarifying payment terms and ensuring timely compensation before engaging.
Response from Pinnacle Credit RepairJun 9, 2026
Thank you for reaching out. For other readers' context: this review concerns a contractor/vendor engagement, not a client's experience with our credit-repair services. We take vendor and payment matters seriously and handle them directly through the appropriate channels. If there is an outstanding invoice or contract question, please contact us at 858 252 6053 or [email protected] with the details and we'll review it promptly. — Andre Nguyen, Founder
Sa M.
Amazing experience! I worked with many different credit repair companies and NONE OF THEM DELIVERED like pinnacle! I was able to recover my credit after big student loans and helped me secure a mortage! I came to them with my dream then they helped me get it and I cant be more happy, thank you guys so so much!
Response from Pinnacle Credit RepairJun 9, 2026
thank you getting a client to the closing table is the work we care about most. Student-loan damage paired with mortgage qualification is exactly the kind of complex file the forensic approach is built for: find what's inaccurate or unverifiable, document it, dispute it. You came in with a clear goal and did the patient part right alongside us that's a real part of why it worked. Every file is different, so I won't speak to anyone else's outcome, but yours is the reason we do this. Congratulations on the home, and thank you for trusting us with it. — Andre Nguyen, Founder
Carlfred G.
🌐 Trustpilot Review Reviewer: Carlfred Giles Before working with Pinnacle Credit Repair, I had a credit profile that included a discharged bankruptcy and student loans that were still reporting inaccurately. I understand how important accurate reporting is, so I was looking for a solution that could move things forward efficiently. While Pinnacle did identify some issues and provided a structured process, the overall experience didn’t quite match my expectations in terms of results and pace. The onboarding felt formal and documentation-heavy, but at times it seemed like more focus was placed on getting paid and process than actual progress. Communication was clear, but often very technical and not always easy to translate into real-world outcomes. I was hoping for more proactive updates and faster movement, especially given that my file was already pretty good with on time payments. Although there were efforts made, including escalations, the results felt slower than anticipated and not as impactful as I had hoped at this stage. After working with Pinnacle and paying my contract in full I still have the bankruptcy and student loans are still waiting to drop off on their own by default of discharges. Pinnacle may be a fit for individuals who prefer a very methodical and compliance-focused approach, but if you’re expecting traction or more hands-on guidance throughout the process, you may want to explore other options.
Response from Pinnacle Credit RepairJun 9, 2026
Thank you for the detailed and fair-minded review — I read it closely. A few honest points, in the spirit of the transparency you noted. On the discharged bankruptcy and student loans: under the FCRA, we can only dispute information that's inaccurate, incomplete, or unverifiable accurately reported items, including a properly reported discharged bankruptcy, generally can't be removed, and we won't claim otherwise or charge toward an outcome we can't ethically promise. Holding that line is part of what "compliance-focused" means here, even when it isn't the answer a client hoped for. On pace and communication: your point about translating technical work into plain real-world updates is fair, and it's something we can do better. The documentation-first onboarding is deliberate it's what makes the disputes hold up but it shouldn't cost you the feeling of being kept in the loop. I'd genuinely welcome the chance to walk back through your file and what it can realistically move: [email protected]. — Andre Nguyen, Founder
Macska
Paypal literally has a policy that states it is illegal to use them to pay for credit repair. I have reported this business to FTC, BBB, PAYPAL, and AG of New York because this business is hurting a lot of people with no signs of stopping. This company is a scam. They requested that I pay through venmo and paypal using "friends and family" because they know that they will not deliver on their promise to you work on your credit case, and you cannot get your money back if you pay that way because there is no "money back guarantee" or "charge back". They do not promise results, but if you go to his youtube channel, they promise excellence. Well this company has no integrity and no ethics. They actually damage your credit even more by the poor shoddy and messy work that they do "attempt." If you decide to cancel your service and request a refund they do not honor their contract nor their return policy (stated on their website.) Stay away, because this person also tried to shame me on social media by posting snippets of our text message conversation out-of-context to paint me as a crazy religious freak; while leaving out all of the crazy things unprofessional things they said. Stay away if you value yourself and your financial future and credit worthiness. Do your research on this company and read all of the reviews and watch the videos online (including tiktok) that show this person's true character before you contract with them;. You cannot trust someone who would lie to you and not keep their word and break their own contracts.
Response from Pinnacle Credit RepairJun 9, 2026
We take every client concern seriously and are addressing this matter through the appropriate formal channels. As a fixed-fee firm under the Credit Repair Organizations Act, we operate under a written contract, charge only after work is performed, and maintain a published refund policy. Out of respect for client privacy, we don't discuss individual cases publicly. Anyone with a concern is welcome to contact us directly at [email protected]. — Pinnacle Credit Repair