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#9
park_view_credit logo

Park View Credit

Formerly known as Park View Legal
Read Customer Reviews

Our Score
8.0
User Score
6.9
Our Score
8.0
User Score
6.9
Rank this Company

Ratings Breakdown

Price

Starting Monthly Fee
$89.99

Time in Business

Total # of years
8 years

A-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Number of Reviews

User reviews here on BCRC
106

This Review is maintained by Isaac Ericksen

Review Last Updated: April 7, 2016

Park View Credit, formerly Park View Legal, consists of FICO-certified credit specialists who follow a proven repair process that begins with a review of a client’s credit history, followed by a disputing period, and ends when inaccurate items such as late payments, liens, bankruptcies, etc., have been permanently removed. In addition to providing credit repair services, Park View Credit also provides credit education to their clients.

Rank Chart
Monthly Price
Our Score
Review

#1

79 - $99
9.4

#2

99.95
9.0

#3

59
8.9

#9
park_view_credit logo

89.99
8.0

The Good

Park View Credit makes it easy for their clients to get started. The firm provides potential clients with the opportunity to test their services with the free consultation and then provides a satisfaction guaranteed to ensure total protection. In addition, pricing and charges are transparent so clients know exactly when and why they are being charged.

A few additional positive points to note are:

  • Credit Consultation and Analysis: During the FICO-certified credit consultation, each client will receive individual attention where a thorough line-by-line review of each credit report will take place.
  • Credit Education: While the Park View Credit specialists handle the dispute process, their team will also be their to assist their clients in further building upon their credit.
  • Licensed Attorneys: The Park View Credit firm has licensed attorneys on staff, working on clients’ credit repair, bringing peace of mind to current and potential customers.

The Bad

Although Park View Credit has several good points, they do have a few drawbacks. Some drawbacks include:

  • Fees: Park View Credit charges an Initial Fee, a Setup Fee, and Installment Fee, and Monthly Fees. So, even though they don’t charge for services until after they are complete, Park View Credit has more small fees to get started than other companies in the industry.
  • BBB Standing: Currently, Park View Credit’s BBB is “being updated” by the BBB and therefore, the firm has no rating.

The Bottom Line

Park View Credit’s FICO-certified credit specialists and individual attention are worth stating and of great value to clients. The firm aims to follow all federal laws and regulations within the credit repair industry. Their services are compliant with the Credit Repair Organizations Act and clients are backed by their cancellation policy and money-back guarantee. That being said, Park View Credit has a good amount of different fees that can be quite costly, depending on the situation. In addition, their current BBB standing may cause some concern. We recommend reading some of the consumer reviews below to evaluate.


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How It Works

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 and permanent removal of items. Here is a breakdown of each stage:

1. Free Credit Case Evaluation

Clients can get started by 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 scores. This consultation takes place as follows:

  • 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 into action. About 1-2 days after your credit consultation, your first dispute letters will be available to send out.

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.

Park View Credit Process

The Park View Credit team follows a proven repair process that begins with a review of a client’s credit history, followed by a disputing period, and ends when the inaccurate items have been permanently removed. Erroneous items that can be removed include but are not limited to:

  • Charge-offs
  • Late Payments
  • Liens
  • Bankruptcies

During the FICO-certified credit consultation, each client will receive individual attention where a thorough line-by-line review of each credit report will take place. This consultation includes the following four steps:

  1. Credit Analysis – Credit specialists will highlight areas within the credit report that need to be improved.
  2. Item Identification – Not all negative items can be removed from credit reports. However, Park View Legal will detail which erroneous items can be disputed and they will explain how that removal will impact a client’s overall credit case.
  3. Credit Education – While the Park View Credit specialists handle the dispute process, their team will also be there to assist their clients in further building upon their credit.
  4. Time Frame – Each case is different, which means the length of service will vary depending on severity. Each month, the client will receive the results of Park View Credit’s efforts. These results will also show which items still need to be disputed, in which case the challenging portion of the process begins again.

Pricing & Fees

Park View Credit does offer a free case evaluation prior to beginning the credit repair process. This evaluation involves a credit expert who examines each credit report, in detail, and determines what can be done to improve credit scores. This free evaluation is critical because a customized plan is developed based on the findings and identified errors.

Park View Credit makes it easy for their clients to get started. After enrolling in their program, Park View Credit will immediately get to work on improving each credit case. Clients can rest assured that they will not be charged for any services until after they have been completed. Pricing and charges are transparent so clients know exactly when and why they are being charged. The following is a breakdown of the costs and timeline for charges:

Covered in the Initial Fee:
  • Obtaining photocopy of credit reports
  • Authorization of credit profiles from all national credit bureaus
  • Permission from financial institutions and creditors to release necessary credit information
  • This will be charged once authorization and consultation is complete
Covered in the Set Up Fee:
  • Overview and explanation of the Park View Credit process and services
  • Thorough analysis of the client’s credit case
  • Creation of customized and individual credit removal strategy
  • Online account (known as “Dispute Suite”) will be created
  • Initial dispute letters drafted and prepared for all three credit bureaus
  • This will be charged within the first 3 days of enrollment, but not until after all above actions are complete
  • Set up fee is fully refundable within the first 5 days and is eligible to be refunded with the six-month money-back guarantee
Covered in the Installation Fee:
  • Credit repair services for the first 60 days of execution on client’s behalf
  • Gathering and further analysis of client documents
  • Instant and up-to-date credit case tracking
  • Execution of second and/or third round of disputing with credit bureaus
  • This fee is charged based on a unique installment plan depending on the client’s preference (typically done in 1-3 installments). Actual date of payment will be agreed upon be client and their analyst.
  • Installation fee is eligible for the six-month money-back guarantee
Covered in the Monthly Fee:
  • Ongoing monthly dispute efforts after the initial 2-3 rounds conducted in first 60 days
  • Any and all mailing costs as credit specialists act on client’s behalf with credit bureaus
  • Available customer support: modification to billing format, direct email communication, updated information, etc.
  • Creation and execution of custom dispute letters
  • This fee is charged after the initial 60 days of services and will be billed in 30-day intervals until the case is closed or cancelled.

Bottom Line

Park View Credit provides potential clients with the opportunity to test their services with the free consultation and then provides a satisfaction guaranteed to ensure total protection. Not only are the credit cases customized, but even the billing and payment structures vary based on each client’s situation.

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!

106 Park View Credit Reviews

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  1. User Score
    0
    April 27th, 2016 Zion, IL
    1 people found this review helpful!
    they lie about everything they tell you
    Lester told me to Pat 400 and that it and now they want me pay 90 month after 2 month and they won’t give me any refund back and they have the wrong address so the u really lie and they promise me to prove my credit 100 point the first month and I was with them for 2 month and my credit actually went down 100 point not up so whatever they tell u is lie
    don’t do with them and the customer service is suck I called them and ask to speak to supervisor and they put me on hold for about 10 mint
    Read More
  2. User Score
    0
    April 23rd, 2016 Lady Lake, FL
    1 people found this review helpful!
    This company is a SCAM. You will not be able to cancel. I tried to cancel received a voice mail saying “ain’t gonna happen” exact words from Matthew. He lied saying everything has started. How can anything start? I haven’t signed any agreements as of this date. He in his words said everything has been processed and that letters have been mailed. Lie…… DO NOT GET INVOLVED WITH THIS COMPANY.
    Read More
  3. User Score
    0
    April 16th, 2016 Dundalk, MD
    0 people found this review helpful!
    would give them zero stars if I could. I don’t even know how these scam artists are in business. I called the FHA to inquire about different programs for buying a home and the representative passed me through to parkview. I thought they were legitimate and trustworthy since FHA would recommend them. I gave them money to do an initial credit pull and they only go off of 1 copy of the report. I believe it was equifax. One thing that is very important is that they don’t send you a copy so you really have no clue what exactly they even see of there end. I was assured by my representative James that my case would be simple and it should take 1 to 2 cycles most to delete the old items off my credit report especially since they were all at least 5 years old and all paid. He made it out to be this amazing thing that would raise my score 80 to 100 points in 60 days. So far from the truth. I paid the initial fee and after 3 months and nothing deleted I called and tried to talk to James who was always conveniently away from his desk but I was told that only 1 round had been sent out. I also was only getting my dispute results emailed instead of mailed. I told them about this and they assured me it would be fixed. It never was and the only one I ever received paper for for was transunion. I should also point out that I had disputed 2 items myself before I hired them. After several months and still nothing deleted I was frustrated and called and spoke to a “manager” who assured me by August 28th I could call back and they would give me my money back which at this point had been over 1200 dollars. I got the last batch of dispute results saying everything was remaining on my credit report for another 2 years. I had sent in all the results I had received but to my surprise I had found out they had no record of any results. And blamed me as to why nothing was removed. They told me I had to prove nothing was removed by signing up for this other “free” credit monitoring service get a copy of all 3 reports and send it in. I did that. They are still refusing to refund any money because there is 1 missing item from the start and that was the item that I myself had disputed and came off before they even sent out the first round of disputes. It was also at the 7 year mark and was suppose to come off anyway. Needless to say they expect me to just deal with the fact that they took 1200 dollars from me and they did nothing to help. I also now have a lower score because some things they disputed were only on the credit report they initially pulled. Another scam. So if they pull equifax and you have something only reported to equifax and not transunion they will count that as a deletion and you will not receive any money back. SCAM ARTISTS!!!!! DO NOT TRUST THEM. SAVE YOUR MONEY! I really don’t know how any of them sleep at night. And if you are currently dealing with them and all you hear is that’s a stall tactic. Well that stall tactic is costing me alot of money. There is also no proof that they even sent disputes out other than their little Web site that says they did. I will get my money back one way or another and I will continue to write reviews about this horrible company.
    Read More
  4. User Score
    10
    April 14th, 2016 Columbus, OH
    0 people found this review helpful!
    I purchased my first home thanks to the work they did for me! I would recommend Park view to anyone looking for a company that is open about fixing your credit and the process. If you think you can just sit back and it will just happen overnight then this isn’t the right service for you! It takes time and patience but it DOES work! I didn’t see any results for the first 2 months but on my 3rd round of disputes I started to see the negatives on my credit report coming off.
    Read More
  5. User Score
    0
    April 11th, 2016 Hayward, CA
    0 people found this review helpful!
    Park view credit sucks!! This place is full of it!!! Me and my husband have been with them for almost a 1 years and nothing was progress. They charge you every month and we don’t see any change on our credit. Beware of this company! Best to shop around and read the review first.
    Read More
  6. User Score
    0
    April 5th, 2016 Fort Lauderdale, FL
    0 people found this review helpful!
    DONT BECOME A STATISTIC!!!! I spoke with a manager James (California) who convinced me that I would not be deceived again (previous lies from this company) that he would make sure my account was handled in a professional manner. I verbally said when this agreement is complete In March I don’t want my account charged I said based on status of my credit report I will decide if I want to move forward. LIES!! I tried to call him several times he NEVER called me back. In addition my account was charged $89.99 without my authorization when I tried to dispute I was told just wait someone will call me. I am still waiting!!!! DON’T BECOME A STATISTIC!!!! I will tell everyone I know this company is a fraud not to be trusted!!!!
    Read More
  7. User Score
    1
    April 5th, 2016 Clearwater, FL
    0 people found this review helpful!
    Parkview lied from the beginning,you don’t get 59 dollars back,your credits drop after 60 days,then it takes 6 months to get back with your beginning score.so you pay to gain your original score back,it took six months to get back to my original score and that’s all I got don’t use,good con,to get you paying.then no results.
    Read More
  8. User Score
    0
    April 4th, 2016 Gardena, CA
    0 people found this review helpful!
    This is a Fraud company stay away from them. I called them to get my very simple credit repair case they extended it for so long unnecessarily and nobody bothers to follow up with status neither these guys send email updates. Very pathetic service. Initially they said it will take me around $400 and they ended up charging me around $1000 for very pathetic service with very minimal result.
    Stay away from these People
    Read More
  9. User Score
    1
    February 24th, 2016 Raleigh, NC
    6 people found this review helpful!
    Professionalism & communication goes along way with successful business and I can’t say anything positive about this network of lacking integrity, to which would give them anymore focus than they are worth. Buyer beware. A lie doesn’t care who tells it!
    Read More
  10. User Score
    10
    February 23rd, 2016 Washington, DC
    6 people found this review helpful!
    Park view credit was the saving grace that helped get my wife and I into a home. Our credit was so bad that we were denied by lenders who were known for giving away loans. I got a call from someone at Park View talking about credit repair and I didn’t know of any better options, I signed up in August & we just cancelled because they were able to get our credit score high enough to get approved for a loan
    Read More
  11. User Score
    3
    February 17th, 2016 San Diego, CA
    6 people found this review helpful!
    Just beware that they are attorneys and will fee you regardless if you cancel and they know how to win disputes placed against them. I had to cancel my credit card to stop their billings even when emailed and called repeatedly. Aside from that they did get the one item off my reports but it cost me $958 – $400 more than quoted with their unauthorized billing to my credit card. Not worth it
    Read More
  12. User Score
    10
    February 16th, 2016 Visalia, CA
    1 people found this review helpful!
    They fixed my credit in less than 3 months. I had a 660 when I started with them and I have a 720 right now. I’m staying with them through another round of disputes to see how much higher my score can go.
    Read More
  13. User Score
    10
    February 15th, 2016 GA
    2 people found this review helpful!
    I was called by Park View about getting my credit raised to get a house. I got denied by all the lenders I applied with cause of my bad credit so I decided to get help from the pros. They did a ton of work on my credit. I’m very happy with their services.
    Read More
  14. User Score
    10
    February 11th, 2016 Piscataway, NJ
    3 people found this review helpful!
    First I was hesitant to use these guys. I read mixed reviews online and I was starting to get cold feet. I decided to give it a chance and I’m so glad I was patient. My score went up by over 100 points and most of the items I disputed are no longer showing on my reports. I would use them again if I ever find myself in this situation.
    Read More
  15. User Score
    0
    February 11th, 2016 Tampa, FL
    4 people found this review helpful!
    They took my money on the first call and then told me how much it would be a month. when I told them that I wanted some time to think about it, the rep became rude and pushy. When I call them back they did not answer my phone calls. They took $59 out of my account and I didn’t get anything in return but rudeness and a lousy evaluation.
    Read More
  16. User Score
    9
    February 9th, 2016 Chicago, IL
    3 people found this review helpful!
    Park view Credit was able to boost my score enough to buy a house. I’m recommending them to all my friends and family. I never thought I could turn my bad into good credit this fast.
    Read More
  17. User Score
    10
    January 20th, 2016 Columbus, OH
    3 people found this review helpful!
    Can I give them an 11? My score went from the high 500’s to a 710 on Experian and Transunion and a 690 on Equifax, I was approved for a loan that I never imagined I’d qualify for.
    Read More
  18. User Score
    10
    January 16th, 2016 Columbus, OH
    2 people found this review helpful!
    Park View did everything they said they would. Every negative item they disputed cam eoff my reports. I wouldn’t have gotten a loan without theire help
    Read More
  19. User Score
    0
    November 18th, 2015 North Fort Myers, FL
    7 people found this review helpful!
    They took my money and never returned my phone calls
    Read More
  20. User Score
    10
    November 17th, 2015 Los Angeles, CA
    5 people found this review helpful!
    I have been with Park View for 9 Months now. My case was a particularly difficult one but I was assured that with Park View’s help and patience I would see improvement to my score. I was at a 480 FICO score in March, my score is now at a 640 and I am in the process of getting a loan for my first home. I can’t thank Park View enough for their excellent service, I wouldn’t have been able to do this alone!
    Read More

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Our Score
8.0
User Score
6.9
Rank this Company

Ratings Breakdown

Price

Starting Monthly Fee
$89.99

Time in Business

Total # of years
8 years

A-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Number of Reviews

User reviews here on BCRC
106
Our Score
9.4
User Score
7.5
Rank this Company

Ratings Breakdown

Price

Monthly w/ $99.95 First-Work Fee
$79 - $99

Time in Business

Total # of years
25 years

A-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Number of Reviews

User reviews here on BCRC
1,302