Park View Credit is offers financial services. The company is based in Van Nuys, California and and financial services are offered throughout the country. The main purpose of the company is to provide financial assistance to individuals who may be suffering from low credit scores. The company helps its consumers boost their overall credit scores.
Park View Credit has been in business for more than eight years. The staff of the company has many years of experience dealing with consumers who have a poor credit score and are looking to improve it. According to the website, Park View Credit boasts a success rate of 85 percent.
Park View Credit offers a free credit consultation to anyone seeking help with improving their credit scores. To sign up for the free credit consultation a person will need to either complete the online form that is available on their website or call the company directly.
Once you have signed up for an account with Park View Credit, the company will complete a line by line review of your credit history. This review is conducted by one of their certified credit analysts.
The detailed analysis of your credit report will provide you with explanations on how certain areas of your credit report could be helping your scores and how other areas may be hurting your scores. You will also learn more about how to add to or support a positive payment history.
If there is false information found on your credit report, Park View Credit will work through the legal aspect of things by challenging the items found on your report by issuing the appropriate legal correspondences.
When you receive any results of these disputes from the credit bureaus you will then forward these to Park View Credit. If additional disputes become necessary, they will be created on an as needed basis.
Before you sign up with an account at Park View Credit, there are a few things that you should know.
One of the most important things to consider when hiring a company such as Park View Credit is the items that are eligible for removal from your credit report. Some items that are questionable about being removed include any government issued loans or other items such as your student loans.
Park View Credit can remove many negative items from a credit report. Some examples of what the company can remove from your report include:
Perhaps the biggest benefit of choosing Park View Credit is that the company offers a FICO certified credit consultation from a certified credit counselor for free. This free consultation will include a case analysis, credit education, as well as a service time frame.
There are no fees charged for this initial consultation unless the company actually disputes and removes any unwanted items from your report successfully.
Some of the other positive aspects of Park View Credit include:
There are a few complaints about the company found on the Better Business Bureau website. Most of the consumer complaints about Park View Credit have to do with the billing procedures and the availability of the credit repair specialists from the company.
It is recommended that a consumer familiarize themselves with the potential fees for the services as well as the payment timelines before they hire the company for their services. The fees that you need to understand include the initial fee, the set up fee, the installment fee, and the monthly fees that are all involved with the company’s services.
Another issue with Park View Credit is that a person who only has a couple of items that need to be deleted may find that the price for using Park View Credit is a bit too expensive for what they need.
However, the services that are provided by the company may be a huge benefit for those who need severe credit repair and do not want to take on the time consuming process of attempting to repair their credit on their own.
As mentioned above, it is important to become familiar with the prices of Park View Credit services before engaging in their services. Unlike some of the other credit repair service companies, the pricing at Park View Credit does not consist of packages.
Instead, the company will charge a fee for pulling your report and then additional charges are made for each of the negative items that the company will dispute for you.
The initial price to pull your credit report is $59. You will then be charged individually for each negative item. This means that the cost for the entire program could be as low as $200 or up to $800 as this is the maximum any client will pay. People who have to pay the $800 are those that typically have larger items to take care of such as foreclosures, bankruptcies, and repossessions.
Overall, Park View Credit is a reputable credit repair company that offers experienced legal consultants to help people get rid of negative items found on their credit reports. The pricing system is a bit different than most other credit repair services, but the information about the price structure is completely transparent and available on their website.