Park View Credit is a credit repair service that prides itself on having a legal staff ready to help you dispute the errors on your credit reports. Park View Credit's pricing is based on the severity and amount of the information, not simply the deletion of the information removed.
Park View Credit has attorneys on staff ready to assist you in your credit repair endeavors. It is not required of credit repair companies to have an attorney on staff, but it does help with some clients’ cases.
|$79 - $99
Park View Credit does offer a free case evaluation prior to beginning the credit repair process. This evaluation involves a credit expert who examines your credit report, in detail, and determines what can be done to improve your credit score. This free evaluation is critical because a customized plan is developed based on the findings and identified errors. Customers are given a set price with an option for a payment plan before any services are rendered.
Park View Credit also offers:
Online account access
Military and senior discounts
FICO certified analysts
You may have to pay a start-up fee to set up an account in addition to the work that has been done on your credit case. This means that if you only have a few items you need removed or challenged, you will have to pay for the items removed as well as ongoing monthly fees.
They currently have an No Rating with the BBB rating. Since they have recently updated their name and business as a whole, it may take a little time to received a BBB rating.
The Bottom Line
Park View Credit has recently come under new management and are making changes to improve their level of service. Their money-back guarantee, online account access and attention to each client’s case proves they are dedicated to helping their customers. We recommend taking advantage of Park View Credit’s free consultation to see if the fit is right for you. We like that they are willing to improve their service to better provide for their clients.
Park View Credit uses a three-step process to service their clients. It all starts with a free credit case evaluation, then a follow-up FICO-certified credit consultation, and finishes up with a dispute process. Here is a breakdown of each stage:
1. Free Credit Case Evaluation
Start by signing up by either calling (888)-998-2889 or filing out a form online. Shortly after completing the online form, you will be contacted by a Park View Credit credit specialist to begin your free credit case evaluation. This will help you understand the credit disputing process and answer any questions you may have about credit repair.
2. FICO-Certified Consultation
After signing up, you will be contacted by your personal FICO-certified credit analyst who will go through your entire credit report and identify the areas where there can be improvement and adjustment made to improve your credit score. This consultation can also be broken down:
This is a thorough breakdown of your credit file. This is when your assigned analyst will help you understand what your credit report says about your financial habits (good and bad). This is simply a way for you to understand what can be done to help your score get better.
This portion of the consultation consists of clarifying exactly what work can be performed. There are items that can’t be disputed (such as accurate credit items), but there are also items that can be removed. The identification process will clear that all up for you.
The credit building portion of your service is where you have the opportunity to learn exactly what helps and hurts your credit score. This is an educational process where experts teach you how to better manage your credit and allow for you to make the progress needed to build a positive credit history.
This is the portion of the consultation that allows for you to ask as many questions as you need. If you are preparing to purchase a home or car and you need to know how the program will help you achieve those goals, this is the time to ask.
3. Credit Dispute Process
The credit dispute process is where the real work begins. At this point, you will know all the work and details that go into fixing your credit report, now the plan is simply put in actions. About 1-2 days after your credit consultation, your first dispute letters will be available to send out. The legal team is responsible for drafting the initial dispute letters complete with a few other verification documents (which will also be covered in your credit consultation).
These credit dispute letters are sent to the credit bureaus. In approximately 30 days, the credit bureaus will send you the results of the dispute and are updated daily through an online web portal. These results consist of the outcomes and whether or not the items on your credit report have been deleted, verified, corrected, or will stand as is. After receiving these results, you will have to forward them to the Park View Credit staff for review. This process is repeated for any and all disputable items. Pricing is based on the severity and amount of the information, not simply the deletion of the information removed.