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Park View Legal

Personal FICO Certified

Our Score
5.4
User Score
3.5

Park View Law 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 Legal's pricing is based on the severity and amount of the information, not simply the deletion of the information removed.

Screen Shot 2014-03-04 at 1.48.29 PM park view legal BBB Screen Shot 2014-03-04 at 1.48.42 PM

The Good

Park View Law 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.

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Park View Legal

BCRC Rank Monthly Price Licensed Attorneys Our Score
#89
park_view_legal
$Unknown Yes
5.4
#1
$59 - $99 Yes
9.6
#2
$89.95 Yes
9.4
#3
$59 Yes
7.8

Park View Legal 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.

The Bad

Park View Law team can be difficult to reach. You can’t check updates to your account online, instead it is emailed to you for your review.

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.

Our major concerns with Park View Legal include:

  • Lack of transparency
  • Difficultly to reach
  • No online access

The Bottom Line

Our concerns with Park View Law includes the lacks transparency with their customers. Their pricing structure is misleading and customers complain about how difficult they are to get in contact with. They do have a legal team, but there is no way of knowing how much the service is going to cost because you are charged based on the number of items that can be deleted from your credit report. You will not be able to access updated results, but will have to wait for email updates. We recommend fully doing your research before you sign up with Park View Legal.

Park View Law 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 Law 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:

  • Analysis

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.

  • Identification

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.

  • Credit Building

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.

  • Time Frame

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 Law 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.

**This is a summation of the terms and services/contract details/privacy policy and is in no way a complete depiction of this company’s actual terms and services or contract. The information found below is simply additional information and commentary with the intent to help the consumer. If you wish to know the exact language of the terms of service/contract, please contact this company with any questions or concerns you may have.**

Section 1:

“Park View Legal provides a free and personalized credit case evaluation done by a fico-certified credit analyst for potential customers that are willing to pay an enrollment fee of $59.95 which covers the individuals credit history, and various credit reports that provides the data for a personalized credit evaluation.”

What to know:

While the evaluation provided by Park View Law is free to those that enroll in their program, you will have to pay $59.95 to cover the service fees that are associated with gathering the necessary documents and reports to conduct the evaluation.

Section 2:

“A $59.95 Enrollment Fee allows Park View Legal to create a Customer’s (You) individualized Park View Legal Credit Summary Profile, unique to each client, based on their individual credit history, in addition to covering the costs for reviewing reports of the enrolling individual. The Free and personalized credit case evaluation is complimentary upon payment of Enrollment Fee. Charges for the $59.95 Enrollment Fee will not process until the following services have been rendered: Allows the credit profile that Park View Legal constructs, as detailed above, to be viewed, analyzed, and evaluated by a credit analyst employed by Park View Legal. This analyst will recommend Park View Legal programs which you may qualify for and/or suggest alternative actions to be taken in order to improve your credit rating. Includes a free and personalized phone evaluation with one of Park View Legal Senior Credit Analysts.”

What to know:

The fee you are required to pay upon enrollment is used to set up your profile in addition to obtaining credit history and reports for review. Once you have paid that enrollment fee, you will receive an individual credit consultation with a credit analyst. In this consultation, you will learn whether or not you are qualified for additional credit repair services performed by Park View Law.

Section 3:

“Park View Legal does NOT provide legal counsel. This one-time NON-REFUNDABLE Enrollment Fee will be credited back IF AND ONLY IF you, the consumer, choose to move forward with further Park View Legal programs and services with a signed Credit Services Agreement. What a $59.95 Enrollment Fee Does Not Cover: The 59.95 fee does not in any way cover any of the costs associated to credit restoration. However, as stated above, the Enrollment Fee will be credited back to the user IF AND ONLY IF they choose to move forward with additional Prime Credit Experts services and programs with a signed Credit Services Agreement. The Enrollment Fee DOES NOT provide a specific guarantee or a particular outcome from the services rendered within this Case Evaluation. Additionally, the Enrollment Fee also does not guarantee a particular time frame in which your case may be resolved. By agreeing to pay this Enrollment Fee, you are allowing for Park View Legal to honestly and fairly assess your current credit situation, and evaluate potential ways in which Park View Legal may potentially help to repair your credit rating.”

What to know:

Park View Law does not work as a law firm and will not provide legal counsel to clients. The $59.95 enrollment fee is only credited back if you choose to continue credit repair services from Park View Law. There is not a specific guarantee of how many items will be removed or how much your score will improve. There is also no guarantee based on how long this credit repair service will take place. If you pay the fee, you are giving permission to Park View Legal to assess your credit situation and determine if you are eligible for further services.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

22 Park View Legal Reviews

Select Your Rating:

9
4
1
1
1
6
0=WORST 10=BEST

* For verification purposes, please provide the email address you used when signing up with this credit repair company.

  1. User Score
    0
    Edward Williams
    September 29th, 2014 at 1:58 am

    I’ve been with Park view since June and nare time did I see anything come off of my credit. I paid over $500 in fees upfront and to top it off, they took over $200 dollars in monthly fees. They withdrawed my account three times in one day. I would advise anybody to get help with your credit from someone you know and trust.

  2. User Score
    0
    david
    August 8th, 2014 at 5:05 pm

    They are a rip off .They do nothing to help you credit and just take your money. When you try to get your money back they will come up with a reason saying you didnt do your part so there not going to refund your money and they are very rude as soon as you ask for your money. I will be filing against this company.

  3. User Score
    1
    John
    May 12th, 2014 at 7:51 am

    I used Park View for a little over 5 months. I spent over $600 for their service and they only corrected 3 items on two reports. Their communication is horrible. All the letters are generic and computer generated. They do not dispute inquiries. Save your money and do it yourself or use a more reputable company, with better communication that is results oriented.

  4. User Score
    10
    dcapp
    April 16th, 2014 at 3:12 am

    parkview is a scam!! took 6 mons. to get 1 of 15 deletions.. so i canceled, paid over $800 and they will not return the $450 for a life time fee plus $89.99 monthly. i only asked for the $450 back and they refused because of the one deletion saying i do not qualify.. what a crock. they lie rite to your face, i rate them as a -5, i recamend staying away from PARKVIEW

  5. User Score
    0
    Pat
    April 15th, 2014 at 9:51 am

    Finally had to file a complaint with the BBB in with these people due to all was done was 334 dollars taken and no result I cancel and wanted a refund they refused so pls take your business elsewhere and do your research !!!

  6. User Score
    7
    Jeff M
    April 4th, 2014 at 1:02 pm

    I have been dealing with Parkview since February 21, 2014, To date a few things have been removed from my credit. My Credit score is improving. I spoke with Ed Greer to start the process and Christine Manou.

    This is all under 45 days. The process takes time and we know this. I would rate them a 7 based on the website they provide us with to log in when specific questions are asked they “Skirt” the information you are looking for. I know about the E Oscar system the CRAs have in place. I wanted to know if they go back with another round of letters to get information on their process or do I have to handle it from here.

    For those not “in The Know” E Oscar is a system used by the credit bureaus they scan your letters in and it looks for keywords to “Dispute” the information. This process saves them time and money. They (The credit bureaus) do not go to the collector directly to get this information. In essence this means that a computer system tells them if the information is correct NOT an actual person that has to do the work.

    I hope this helps

  7. User Score
    3
    Sheila
    March 29th, 2014 at 2:36 am

    While Park View was seemingly professional they asked for, then ‘demanded’ a copy of our driver’s license, social security card and a utility bill before they would begin service. Once these items were sent I had no return correspondence, calls or status updates. Fearing that, though we had researched the company prior to hiring them, I had jeopardized our personal security we cancelled our agreement. We have acquired assistance from a top-rated credit repair law firm and are already seeing positive results, at a set price.

  8. User Score
    1
    Pat
    March 28th, 2014 at 7:43 pm

    I agree with this review due to the fact there is no rating with the BBB and the cost and place on hold for long periods of time and mix information sorry i signed up with this company!!!

  9. User Score
    10
    chris
    March 24th, 2014 at 10:57 pm

    iv been using there service for 3 months already 75% of neg are off. I would recommend to anyone the cost they told me up front 59 pull reports then 500 minus 59 fee and 100 every month starting in 60 days and when I rec responces from credit berue fax in they update in just a few days so for all those people that said neg things u should have listen to directions and pay your money and don’t expect it to be done in one month iv tried 3 othercredit repair places these guys are the real deal and im glad I gave them a chance I almost didn’t after seeing this site and all the neg comments my credit score has already went up 110pts

  10. User Score
    10
    Catherine
    March 19th, 2014 at 2:45 pm

    Just sign up with Park View Legal had a great conversation and understanding what needed to be done to repair my credit my FICO is 577 now. Since I signed up yesterday I have been getting email and was able to log into a site to view my progress. I’m excited I will definitely let people know the outcome.

  11. User Score
    10
    Richard K.
    March 6th, 2014 at 2:28 am

    I have been dealing with them for two days but they have been up front and crystal clear on what they can and cannot do and what the fee’s were from the least to the most expensive and that has been the case so far. I have been able to reach them by phone very quickly with only a few hours delays after leaving a voice mail.
    I will update this posting as we go thru the clean up process…

  12. User Score
    0
    kurt
    February 21st, 2014 at 12:07 am

    well we all must know who henry and greg are…. people who work for parkview law. I was duped just like everyone else besides the 2 above. This site is how lending tree gets paid i guess. I was taken for 450 plus 59 for the credit report and all they did was send a letter to the 3 credit scores. after that i received letters back from the 3 credit scores letting me know what i already know. Thanks again parkview for giving me a lesson on trusting anyone on the internet. oh and i will never use lending tree either.

  13. User Score
    0
    Tuesday
    December 20th, 2013 at 7:34 pm

    This company gave me inaccurate information about my husband and my credit report. I was told that if I was not satisfied with the credit review I would receive a refund of the 69.95 fee each that was paid. When I called to requests a refund they told me I did receive a review, so whether the review was inaccurate or not I still receive a review and that they did not know why I was told I would get a refund of course and denied my refund. DO NOT USE Park View Law

  14. User Score
    0
    charlene
    December 13th, 2013 at 1:45 am

    I found most of the negative to be true. I was harassed to come up with the “69” to pull “level three credit reports” from all “3 agencies”. I was told how much better they were than every other company out there, because none of them pull all three, and they only pull “consumer reports” which is why they require such a high “credit report fee”. The level of BS was amazing and condescending. The constant emotional references to why I need them was simply a big, desperate, grasp to make a commission. Very sketchy about “HOW MUCH” only that they were cheaper and better than any one

  15. User Score
    0
    Winifred Reeves
    November 22nd, 2013 at 2:12 am

    It was explained they would spruce up my credit and get my refinance loan going. They took $450.00 from my account. I have been in touch with them and want to cancel their service. They couldn’t have done much in 3 days. I will let you know how it goes.

  16. User Score
    10
    Henry Peralta
    November 8th, 2013 at 9:13 pm

    I don’t know what some of these reviews are talking about. I had a similar experience to Greg Haverman. I spoke to Senior Analyst James Downing about 3 months ago and he was very realistic with what he told me. He laid out all of the pricing and asked me to give them 6 months. It was $600 for my case but he gave me a $100 discount if I didn’t need a pay plan and then after 60 days it would be month to month at $89 a month. Well after just 3 I have already gotten over 100 points of an increase with all the credit bureaus. They removed 8 medical bills, a charged off credit card and even a repossession that I still owed $13k on. Even with the site increase I want to stay in and get the rest of this stuff knocked off to. I am very pleased as they not only improved my credit so I could apply for a mortgage and refinance my Silverado and save $140 a month on my car note, but I would have paid him just for all the knowledge he gave me on how credit works. I was with Lexington Law and credit repair.com before them; I didn’t learn anything because I never spoke to a credit analyst and paid 3 times as much with less than half the results. I highly recommend them to anyone being accused by creditors, collection agencies, the bureaus and all these other credit repair companies.

  17. User Score
    2
    pissed consumer
    November 8th, 2013 at 7:05 pm

    I would strongly suggest looking elsewhere…They are very hard to get a hold of, their follow-up is horrible, IT support is next to zero…and of course if you are interested in the 100% Money back Guarantee….READ THE CONTRACT..ALL OF IT….I didnt have very many items to correct and after 5 months I saw zero results…

  18. User Score
    10
    Greg Haveman
    November 6th, 2013 at 3:10 am

    I read the letter from Tara and I wonder if she is talking about the same company that I dealt with. Parkview Legal was the best company I ever dealt with. They were always there for me, easy to get in touch with and they were very very helpful. In less than 3 months time, Giorgio at Parkview Legal aggressively helped me get rid of 27 negative items on my credit reports, raising my credit scores 100 points. I had no trouble getting a mortgage for a new house at a very good rate with a low down payment. Before, I could not even get a mortgage because my credit scores were so bad.
    If you want to get rid of negative items on your credit report and improve your credit scores, I highly recommend using Parkview Legal and ask for Giorgio, He will work with you and do his best to achieve your credit score goals

    Greg Haveman

  19. User Score
    1
    EUGENE FEDEVICH
    October 31st, 2013 at 12:54 am

    I guess I’m getting a little “BRAIN-DEAD” in my old age to think they could do anything with my bankruptcy,but they said I have a great chance to wipe it off my credit scores. It only cost me $459.95. My advice is send in your own letters–it’s a lot cheaper!!!!!

  20. User Score
    0
    Johnny
    October 9th, 2013 at 4:32 pm

    Terrible, liars, very shady company. Do not trust them. They took my money and a lot of other peoples. They are not even a law firm they just put legal in there name to trick you.

  21. User Score
    1
    Tara
    October 4th, 2013 at 11:21 pm

    This company called me back, literally as soon as I left a mortgage lending company website. I spoke with a representative who told me they could make things on my credit cease to exist without actually taking them off, settling them, or going through the regular routine. They would just disappear as if they never existing making my credit score higher. That was kind of a red flag for me but not knowing how it all worked, I listened to what he said. At the time, I didn’t know much about this company but trusted them anyways. I agreed to have them pull a credit report for a fee of like $59. He wanted to pull both mine and my husbands, and wrote it in the paperwork as such to charge me a total of $119. After restating that I only wanted one pulled at the time, he said he noted it in the system, never sent an email confirmation on the change. I did some research on the company I decided to wait on my bank before going with this firm. Called back the next day to halt everything before going through with it. The first time I called they told me nothing could be done until the agent came in that they would send him an email telling him to halt the account. They were suppose to send me a confirmation on that and it never came. I called back after getting off work to confirm the cancellation so as to keep from getting charged anyway. The man I spoke to was incredibly rude, told me the guy was sitting next to him, the account was closed, that in fact they weren’t going to help me at all. And as I was asking for a confirmation number on the cancellation, he told me to have a nice day and hung up on me as I was talking. I called back a third time, asking about a confirmation on the cancellation, getting a different rep on the line who gladly gave me a number of some sort. Hoping this will not be charged on my account anyway and that the number was legitimate. Long story short, this firm was the worst customer service experience I have EVER had. I considered using this firm at a later date as soon as my affairs were in order but now, I will never, ever do business with them again.

  22. User Score
    0
    Lance Kane
    September 4th, 2013 at 9:13 pm

    Very rude if you don’t want to pay the upfront fee $59.95

    Refuese to answer question about the company

Our Score
5.4
User Score
3.5
Rank this Company
Ratings Breakdown

Price

$Unknown

Time in Business

Total # of years
32 years

B-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
0/3

Score Updates

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Site Security

Active Website SSL?
No

Number of Reviews

User reviews here on BCRC
22

This Review is maintained by

Review Last Updated: December 17, 2014

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