News Update: "Consumers need to be more cautious in vetting (credit repair) companies with which they do business." - BBB Study
#9
park_view_credit logo

Park View Credit

In addition to providing credit repair services, Park View Credit also provides credit education to their clients. Formerly Park View Legal.

Our Score
8.0
User Score
7.4
Our Score
8.0
User Score
7.4
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
90

This Review is maintained by

Review Last Updated:

Getting Started: Park View Credit offers a FICO-certified credit consultation. This free evaluation includes:
  • Case Analysis
  • Identification of Possible Improvements
  • Credit Education
  • Service Time Frame
What other companies offer free consultations? View our top recommended company for more options.
Park View Credit homepage park-view-credit-why

Park View Credit, formerly Park View Legal, has been re-structured since it recently came under new management. The Park View Credit team consists of FICO-certified credit specialists who have been trained and understand how to solve credit repair issues.

Rank Chart Monthly Price Licensed Attorneys Our Score
#1
$79 - $99 Yes
9.4
#2
$99.95 Yes
9.0
#3
$59 Yes
8.9
#9
park_view_credit logo
$89.99 Yes
8.0

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 their 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.

The Good

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.

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.

The Bad

Park View Credit, while thorough, will mostly likely not be the most inexpensive credit repair option. They charge based on the severity of a client’s case, but it is also done on a monthly plan rather than a “pay-per-deletion” format which is typically more cost efficient. For those with just a few items that they would like addressed, Park View Legal may be an expensive credit repair service to use.

While Park View Credit is now under new management, there have been complaints in the past surrounding billing and availability of specialists. Even though Park View Credit has made their billing process clear, the exact dollar amount and specific schedule are different for each client. Clients interested in Park View Credit’s services should make sure they have a complete understanding of the charges and the timeline for payment.

Before enrolling in Park View Credit’s services, clients should make sure they understand the following costs:

  • Costs – how much will the initial, set-up, installation, and monthly costs be for the case?
  • Schedule – when will each cost be expected to be paid and on what day the charge takes place?
  • Payment plan – there are installment options, does your situation qualify?
  • Timeline – how long, based on the severity of the case, will the entire process likely take?
  • Additional costs – are there any additional costs for disputes made during the monthly payment period?

The Bottom Line

Park View Credit 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. Potential Park View Credit clients should take advantage of Park View Credit’s free consultation to see if their services can be of help.

Those interested in Park View Credit’s services can expect:

  • In-depth credit case analysis
  • Individual attention
  • Permanent results
  • Credit building education
  • Money-back guarantee
  • Online account access
  • Military and senior discounts
  • FICO-certified analysts

For those interested in learning more about Park View Credit’s services can visit their website for additional information.

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.

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!

90 Park View Credit Reviews

Select Your Rating:

14
2
1
5
2
6
12
48
0=WORST 10=BEST

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

    Sort By:

  1. User Score
    10
    January 20th, 2016
    0 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.
  2. User Score
    10
    January 16th, 2016
    0 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
  3. User Score
    0
    November 18th, 2015
    0 people found this review helpful!
    They took my money and never returned my phone calls
  4. User Score
    10
    November 17th, 2015
    2 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!
  5. User Score
    10
    November 9th, 2015
    2 people found this review helpful!
    I don’t even know where to begin, I thought I was never going to be able to buy a home for my wife and I after doing so much damage to my credit. So I reached out to the folks over at Park View for help and i’m so glad I did. They walked me through the process of disputing negative items and made sure to explain how they were going to improve my score. I am sitting in my new home writing this now!
  6. User Score
    9
    November 6th, 2015
    1 people found this review helpful!
    Park View did everything possible to repair my credit score. From the start I was given an account to monitor the disputes that were being sent, so I knew my credit was in good hands. After only 5 months my score was good enough to qualify for the home I’ve always wanted.
  7. User Score
    10
    November 3rd, 2015
    1 people found this review helpful!
    I can’t thank them enough. park view made sure that I understood how credit repair works, created a plan around which items I wanted removed and got the work done. I got a home thanks to the work they did on my credit score!
  8. User Score
    9
    October 21st, 2015
    2 people found this review helpful!
    I wish I could have given 10 stars, but unfortunately the one thing they are missing is round the clock support. I often have more time on the weekends when I’m not in the office to deal with my finances, but the weekend hours aren’t great with park view. With that said, the price, expertise and overall experience with park view is outstanding, which is why they get a 9 from me.
  9. User Score
    10
    October 14th, 2015
    0 people found this review helpful!
    I got an email once I had finished paying for credit reair from park view credit asking me to review their service and I couldn’t be happier to do so. Jason and his team helped me so much during my 4 months in the program, with their work leading to a 138 point increase in my credit score! I had Jason’s email address, his personal line and I used them both many times throughout my time in the program.
  10. User Score
    0
    September 30th, 2015
    1 people found this review helpful!
    Way over priced. My score never went up while paying them to fix my credit. The guarantee they issue is false. Stay away from this place. When it came to figure out why all the promises made to me didnt come true I was told the oerson that set my account up is no longer employed there. When asked why my creidt scores remained unchanged they had no answer. None.
  11. User Score
    9
    September 23rd, 2015
    0 people found this review helpful!
    I wanted to give Park View Credit a 10/10 rating, but spending a lot of time on EST means my support hours are limited. Take nothing away from the service however, these guys know how to get results and don’t stop until they do. My credit has gone up 68 points in just under 8 weeks, so I’m more than pleased.
  12. User Score
    9
    September 21st, 2015
    0 people found this review helpful!
    Park View Credit were able to boost my credit score over 100 points. My credit was shot to pieces after some crazy student loan debt, missed credit card payments and bankruptcies from my earlier years. My score still has a lot of rising to do, but I’m confident I can stick with park view credit.

    -PR

  13. User Score
    10
    September 18th, 2015
    1 people found this review helpful!
    My only regret with Park View Credit is not getting started sooner. The rate at which they are removing negative items from my credit report would have been super helpful before I bought my house, but I’m looking to refinance now!
  14. User Score
    8
    September 15th, 2015
    1 people found this review helpful!
    parkviewcredit were able to remove 18 negative items from my report
  15. User Score
    10
    September 10th, 2015
    2 people found this review helpful!
    Epic, epic, epic service. My score is rising and doesn’t appear to be stopping!! I was enrolled for $9.95 which got me my reports from the three bureaus – just having that insight was great, and I had Lester walking me through the whole process!
  16. User Score
    10
    September 8th, 2015
    1 people found this review helpful!
    What can I say – you look for a credit repair company in order to boost your score. my score increased by 80 points so I can now get the auto loan – f150 here I come!!
  17. User Score
    8
    September 3rd, 2015
    2 people found this review helpful!
    I like to work with local guys when it comes to my credit but i found park view credit online and gave them a ring. very good customer service, and i was in touch with an expert the same afternoon. he gave me a rundown of my credit score and some of the issues, and even explained which ones I could expect to get removed.
  18. User Score
    9
    September 2nd, 2015
    4 people found this review helpful!
    What an EXCELLENT company. I’m still with the company, and they said if I was happy with the service they were providing to post on here, and I am more than happy to tell the website.

    It took me 2 weeks to see results, and since then my score has been rising like crazy! These guys are awesome!!

  19. User Score
    10
    August 24th, 2015
    4 people found this review helpful!
    Mr Rodgers helped me with my credit case from the very start. I’m now 2 months in and I’ve seen a 110 point increase in my Experian score, which is close to what they predicted in that time frame. When we looked at my credit report together, Rodgers explained to me that even though there were a lot of derogatories on the file, they were things which were easy to remove. I have about 6 weeks left in the program according to Rodgers.
  20. User Score
    7
    August 23rd, 2015
    3 people found this review helpful!
    I was just reading all the negative reviews about your business. Before reading this I have to tell you I agreed with them. They keep getting phone calls somebody asking me to call back, and someone else answers and asking me to send my ID again after 60 days? It doesn’t make me feel exactly confident. The other credit agency’s are giving me recommendations, refinance my car at a better rate, remove bankruptcy its over 13 years old, get some credit cards. I haven’t heard anything about what they are doing other than waiting for letters.
Recent News:
WANT US TO REVIEW A COMPANY?
If you have a credit repair company that you don't see on our site, please email us at: investigate@BestCreditRepairCompanys.com
REAL REVIEWS (YES THEY’RE REAL)
With so many credit repair companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank credit repair companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and authenticated.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.
Our Score
8.0
User Score
7.4
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
90
Our Score
9.4
User Score
7.0
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
997