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Pinnacle Credit Repair (legal name Pinnacle Credit Management) is a fixed-fee, forensic credit-repair firm ▎ founded in 2012, headquartered in San Mateo, CA, serving all 50 states remotely. We use Metro 2 and FCRA ▎ analysis to dispute inaccurate or unverifiable reporting on complex files. Disputes are specialist-drafted — ▎ no templates, no AI-generated letters. Fixed fee, charged only after work is performed (CROA); results vary. ▎ Not affiliated with Pinnacle Credit Services or other similarly named firms.
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Pinnacle Credit Repair is outstanding. My score increased in just a few months. The entire team is awesome and gave me personal one-on-one attention to get the job done. Highly recommend.
Working with Andre has been fantastic. I first contacted him around winter of last year, and in the beginning we had some hiccups. I had my reservations, but something inside me told me to work with him. He’s been transparent the whole way through, and now it’s August 2026 and my credit has been cleaned up thanks to him and his team.
For the greater part of the year I’ve been collaborating with him, and like I said, it hasn’t been a perfect experience. We did have some hiccups early on. But Andre is easy to work with because he’s honest, trustworthy, and very competent.
I originally did some dispute work myself and had success, so I’d like to think I know something about credit repair. But I got stuck, and that’s where Andre came in to help.
I’m part of his private Discord community, and there is a ton of value there. On a scale of one to ten, I’d give Andre and the firm a nine out of ten. The only reason it isn’t a ten is that a ten means perfect, and nobody’s perfect. I think that’s fair.
For those reading this review: if you feel your file is complex like mine was, and you need an elite professional with the expertise to do what other firms can’t, I would choose Pinnacle. That’s exactly why I chose to work with Andre. Their website is extensive and answers a lot of questions, and Andre and his team are easy to reach. They respond in minutes, if not seconds. The Discord community also has a bot that is very impressive. I’ve asked it complex questions and it answered them just like Andre would. I’m very impressed, and I hope this review serves Pinnacle and the reader well. God bless.
From the start the company started initiating disputes. My score has already started to rise. The report provided is extremely detailed and provides a step by step method of action. I absolu⁴tely love that I can reach Pinnacle almost any time and they respond. I highly recommend.
Svar från Pinnacle Credit Repair
Thank you, Chris — this genuinely means a lot. The detailed report you mentioned is our Dispute
Resolution Action Plan, the forensic dossier every engagement is built on, and it reflects how we work:
documentation first, then disputes. I'm just as glad the communication lived up to it — being reachable and
responsive is something we hold ourselves to, not a bonus. Credit outcomes always depend on the specifics of
▎ each file, so thank you for sharing yours. It's a privilege to have you with us. — Andre Nguyen, Founder
With so many credit repair companies out there, finding the right one seemed impossible—and that is how I stumbled upon Pinnacle Credit Repair, which was recommended by Google as one of the best companies in New York.
My credit was in the gutter, and my desperation to pay off my debts led me to sign up with a debt consolidation company; this left a negative mark on my credit report that has made it impossible for me to obtain new credit.
From the very beginning, Andre not only showed genuine concern for my case but also took the time to ensure I clearly understood his strategy—in Spanish—which has since been successfully executed. After working on my credit for a mere two months, I can honestly say that his assistance has been invaluable; my credit score has risen significantly, debts have already been removed from my credit history, and I have received prompt responses regarding the disputes filed by Andre.
There is still some time to go before we achieve all our objectives; however—since every case is unique—mine has progressed remarkably fast.
This is a process that requires both patience and faith, but I feel calm and confident knowing that I have placed my situation in the very best hands.
Only a company with the knowledge and experience of Pinnacle Credit Repair deserves such recognition for its work within the community. A special thank you goes to Andre for his hard work and unwavering commitment.
Svar från Pinnacle Credit Repair
thank you Eliana, this is the kind of note that reminds me why we keep the roster small. Walking you
through the strategy directly, in Spanish, so it was genuinely clear is exactly how this should work: a
forensic plan only matters if the person it's built for fully understands it. And you said it better than I
could every file is unique, and yours has its own path, so I appreciate you sharing your experience without
overpromising anyone else's. There's still road ahead and I'm in it with you. It's a privilege to do this
work for clients across the country, and an honor to do it for you. Gracias por su confianza. — Andre Nguyen,
Founder
I worked with this company as a video editor under a signed agreement for $500/month.
The work was completed and delivered as agreed. However, payment has not been made despite multiple follow-ups.
I recommend clarifying payment terms and ensuring timely compensation before engaging.
Svar från Pinnacle Credit Repair
Thank you for reaching out. For other readers' context: this review concerns a contractor/vendor engagement, not a client's experience with our credit-repair services. We take vendor and payment matters seriously and handle them directly through the appropriate channels. If there is an outstanding invoice or contract question, please contact us at 858 252 6053 or info@pinnaclecreditrepair.com with the details and we'll review it promptly. — Andre
Nguyen, Founder
Amazing experience! I worked with many different credit repair companies and NONE OF THEM DELIVERED like pinnacle! I was able to recover my credit after big student loans and helped me secure a mortage! I came to them with my dream then they helped me get it and I cant be more happy, thank you guys so so much!
Svar från Pinnacle Credit Repair
thank you getting a client to the closing table is the work we care about most. Student-loan
damage paired with mortgage qualification is exactly the kind of complex file the forensic approach is built
for: find what's inaccurate or unverifiable, document it, dispute it. You came in with a clear goal and did
the patient part right alongside us that's a real part of why it worked. Every file is different, so I
won't speak to anyone else's outcome, but yours is the reason we do this. Congratulations on the home, and
thank you for trusting us with it. — Andre Nguyen, Founder
🌐 Trustpilot Review
Reviewer: Carlfred Giles
Before working with Pinnacle Credit Repair, I had a credit profile that included a discharged bankruptcy and student loans that were still reporting inaccurately. I understand how important accurate reporting is, so I was looking for a solution that could move things forward efficiently.
While Pinnacle did identify some issues and provided a structured process, the overall experience didn’t quite match my expectations in terms of results and pace. The onboarding felt formal and documentation-heavy, but at times it seemed like more focus was placed on getting paid and process than actual progress.
Communication was clear, but often very technical and not always easy to translate into real-world outcomes. I was hoping for more proactive updates and faster movement, especially given that my file was already pretty good with on time payments.
Although there were efforts made, including escalations, the results felt slower than anticipated and not as impactful as I had hoped at this stage.
After working with Pinnacle and paying my contract in full I still have the bankruptcy and student loans are still waiting to drop off on their own by default of discharges.
Pinnacle may be a fit for individuals who prefer a very methodical and compliance-focused approach, but if you’re expecting traction or more hands-on guidance throughout the process, you may want to explore other options.
Svar från Pinnacle Credit Repair
Thank you for the detailed and fair-minded review — I read it closely. A few honest points, in the spirit of the transparency you noted. On the discharged bankruptcy and student loans: under the FCRA, we can only dispute information that's inaccurate, incomplete, or unverifiable accurately reported items, including a properly reported discharged bankruptcy, generally can't be removed, and we won't claim otherwise or charge toward an outcome we can't ethically promise. Holding that line is part of what "compliance-focused" means here, even when it isn't the answer a client hoped for. On pace and communication: your point about
translating technical work into plain real-world updates is fair, and it's something we can do better. The documentation-first onboarding is deliberate it's what makes the disputes hold up but it shouldn't cost you the feeling of being kept in the loop. I'd genuinely welcome the chance to walk back through your file and what it can realistically move: info@pinnaclecreditrepair.com. — Andre Nguyen, Founder
Paypal literally has a policy that states it is illegal to use them to pay for credit repair. I have reported this business to FTC, BBB, PAYPAL, and AG of New York because this business is hurting a lot of people with no signs of stopping.
This company is a scam. They requested that I pay through venmo and paypal using "friends and family" because they know that they will not deliver on their promise to you work on your credit case, and you cannot get your money back if you pay that way because there is no "money back guarantee" or "charge back".
They do not promise results, but if you go to his youtube channel, they promise excellence. Well this company has no integrity and no ethics. They actually damage your credit even more by the poor shoddy and messy work that they do "attempt."
If you decide to cancel your service and request a refund they do not honor their contract nor their return policy (stated on their website.) Stay away, because this person also tried to shame me on social media by posting snippets of our text message conversation out-of-context to paint me as a crazy religious freak; while leaving out all of the crazy things unprofessional things they said.
Stay away if you value yourself and your financial future and credit worthiness. Do your research on this company and read all of the reviews and watch the videos online (including tiktok) that show this person's true character before you contract with them;.
You cannot trust someone who would lie to you and not keep their word and break their own contracts.
Svar från Pinnacle Credit Repair
We take every client concern seriously and are addressing this matter through the appropriate formal channels. As a fixed-fee firm under the Credit Repair Organizations Act, we operate under a written contract, charge only after work is performed, and maintain a published refund policy. Out of respect for client privacy, we don't discuss individual cases publicly. Anyone with a concern is welcome to contact us directly at info@pinnaclecreditrepair.com. — Pinnacle Credit Repair
Im so glad I found him on youtube with such an amazing presentation on the nuances of repair a credit report after bankruptcy which was exactly what I needed assistance with. Andre has superlative understanding of credit I have never seen on any other channel and what he has done for me has been life changing. If want premium service which entails one on one coaching, credit repair, and credit building like business credit look no further. It's a one stop shop.
Svar från Pinnacle Credit Repair
Ryan, thank you — that means a great deal. The bankruptcy-recovery videos exist for exactly this reason: the rules around what can and can't be done after a discharge are genuinely nuanced, and most channels skip right past them. I'd rather you understand the "why" before we ever touch your file. Premium, to me, just means a small roster and direct access — you working with the person actually building your strategy, not a call center. Grateful you found us, and grateful for your trust. — Andre Nguyen, Founder
Pinnacle Credit Repair is the real deal! I'm in Texas and stumbled across one of Andre's credit repair videos on YouTube during a time I was searching for an experienced and knowledgeable credit repair company I can trust to assist me with my credit repair.
There's so many credit repair companies out here to choose from right, well how do you choose? I'll tell you how I went about it. #1 l want a company that knows and understands credit law. Not a company that will just send out dispute letters generated from an app in simplest form. Pinnacle Credit Repair generates custom dispute letters tailored to your specific situation including credit laws.
#2 l want a company with years of experience.
Andre has 12+ years of experience and learned from the best. #3 I want a company that communicates. Pinnacle Credit Repair is very informative about every step through text, call and email. I'm currentiv a client of Pinnacle Credit Repair. It's been four months now since I've joined the fast track program. The fee is reasonable to start and so are the monthly payments. It's a good investment for sure in comparison of just blowing it. I'm learning the process as we go. I had no results till month 4 but it was an incredible result and worth the patience! My $9000 collection from conns was deleted! I was so excited! Understand that the credit bureau's will send back simple repetitive responses to our disputes month after month but Pinnacle Credit Repair was consistent at sending disputes with credit laws and reported mistakes on my credit report. This is said to be"Patient". Some people might have quicker results. Idk. Every case is different. I didn't allow the months that went by with no results discourage me or make me want to back out. I continued to invest and trust the process and importantly understood the process as time went by. Im so satisfied with Pinnacle Credit Repair and their service. 5 stars for sure! I look forward to sharing my upcoming results with you guys because Pinnacle Credit Repair deserves the recognition for their expertise and victories. Thank you Andre!
Svar från Pinnacle Credit Repair
Aaron, thank you — honestly, you described the work better than our own marketing does. That distinction is everything: a dispute built on the specific credit law and the specific reporting error, sent consistently, is a different thing entirely from an app firing off template letters. The Conn's account at month four is a perfect example of why we ask for patience the bureaus will return those repetitive "verified" responses, and the answer is disciplined, documented persistence, not giving up. You did the hard part: you trusted a process you couldn't yet see results from, and you took the time to understand it. Every file moves on its own timeline, so I won't promise anyone else your exact result but I'm glad yours came through. Proud to have you with us in Texas, and I look forward to the next update. — Andre Nguyen, Founder
this company pinnacle credit repair and the ownere andre are scams
they keep changing the name of the company to keep the scam going
I paid them $2,000 to repair my credit and they never removed anything.
Now he will not refund me my money.
They scam customers with a "120 day guarantee" and then they dont refund their money back
they take payment thru zelle so you cannot charge them back
they have bad reviews all over the place, it is a scam, dont do business with this company and go with somebody else to repair your credit.
Svar från Pinnacle Credit Repair
Pinnacle Credit Repair operates under a written client contract and the Credit Repair Organizations Act, with
a published refund policy that governs every engagement. We don't discuss individual accounts publicly, but we take refund disputes seriously and resolve them through the contract terms and the appropriate formal channels. For the record on the name: our legal name is Pinnacle Credit Management and "Pinnacle Credit Repair" is our operating name we are one firm, not several. Anyone with an open concern is welcome to contact us directly at info@pinnaclecreditrepair.com so we can address it on the record. — Pinnacle Credit Repair
I was in search of a good credit repair company and found this business. I proceeded to check out his youtube channel. I was in shock at the amount of videos he has tearing down the character of this guy from Everything Credit. I personally feel like if they have issues with each other it should not be on a business youtube that is primarily supposed to be about their business. I would not recommend a company that is so consumed with the deflamation of another mans character
Svar från Pinnacle Credit Repair
Thank you for the honest feedback — it's fair, and I'm taking it to heart. A business channel should be about the work and the people we serve, not conflicts with others in the industry, and we're refocusing our content accordingly. If you ever do evaluate your credit-repair options, I'd welcome the chance to let the forensic work speak for itself — that's what should represent us. — Andre Nguyen, Founder
This is an update to my previous review on Pinnacle Credit Repair. Since he illegally ran my credit report and tried to use my SSN to open a Barclays Card, I sent all of that documentation to Trust Pilot. They are being terrible at not taking this seriously. I wrote an entire letter including things from the credit monitoring company Identity Defence below which was triggered by Andrew is his “company” from Pinnacle Credit Repair but he also uses” Pinnacle Credit Management.” Take a look at what I just sent back to Trust Pilot who is not taking this seriously. Since he tried to open a Barclays Card, and there was an entire investigation with his IP address which it was sent from there is no doubt its him.
In order to use their so called service which isn’t not a company I requested his documentation on his accreditations, licenses in the states he practices in etc. He has yet to produce anything and Trust Pilot IS sending me non stop emails because they wont do their job and put the effort into looking at the sites and the reviews online He has a fake address on his website. All of the so-called businesses at the bottom of his page at www.pinnaclecreditrepair. COM are fake. He even put Trust Pilot as a supporting business. They will not even look at that to confirm.
Look at the reviews. I wanted to use his services. He illegally tried to open a Barclays card in my name. I received the alert from Transunion and their company did an investigation which turned out to be his IP address. This is tied to the other review I did on IDENTITY DEFENSE (THIS IS HOW THEY SPELL THEIR “DEFENSE.” ANDREW NGUYEN IS A SCAM. IDENTITY DEFENCE WAS WRONG BY DELETING ME AS A CUSTOMER WHICH MY DOCUMENTATION TURNED INTO TRUST PILOT SHOWS . See all of the same documentationI sent in just now Trust Pilot.
Do you support his business? Because only one of the companies on the bottom of his page links even works. Everyone is telling him on Instagram, Twitter and Facebook he is a fraud. Do your jobs and look. I’ve put more time into this than my family this week to help you. As my last several emails have stated. He uses 2 different websites. They are listed below as well as the letters and credit alerts he did on my transition job credit file. Don’t you see what is happening?
I HAVE NOT RECEIVED ANY OF HIS LETTERS OF DOCUMENTATION, LICENSES, STATES HE IS ALLOWED TO OPERATE OR ANYTHING PER HIS OWN PROMISE BELOW. SO HOW DO I SEND YOU HIS DOCUMENTS IF HE REFUSES TO SEND ME ANYTHING. USE YOUR BRAIN.
Www.pinnaclecreditrepair. COM
Www.pinnaclecreditmanagerment. COM
Both of these are interchanged and fake. I asked him for his licenses and documents after he ran the credit report on me. This is crazy. I’ve spent like 20 hours on this this week alone. Here are the documents which were sent to you for Www.identitydefence. COM yesterday. Look at his Instagram channel. He is FAKE. Here are his you tube channels which are people complaining about him. Just google him. He’s fake as hell.
Or google this -
pinnacle credit repair you tube
These are reviews of everyone being scammed by him. Here are the documents which he caused. HE DELETES ALL OF THE REAL REVIEWS ON HIS COMPANY ON HERE. THAT IS WHY IT HAS BEEN TAKEN DOWN.
OH AND HIS PROMISE TO MY REVIEW BELOW TO PRODUCE HIS LEGAL LICENSES FOR THE STATES HE IS LEGALLY LICENSED IN, HIS EDUCATION DEGREE AND OTHER DOCUMENTS IS WHAT I AM WAITING ON IN ORDER TO TURN THIS INTO TRUST PILOT. TO THIS DATE AND TIME HE HAS YET TO PRODUCE ANYTHING BESIDES A PROMISE AS YOU WILL SEE BELOW. WE ARE ALL WAITING ANDREW. ANY PHOTOSHOPPED DOCUMENTS WILL BE DEEMED AS A FAKE ATTEMPT AND THIS WILL ALSO BE TURNED INTO MY LOCAL POLICE, CONSUMER FINANCE PROTECTION BUREAU, FTC AND OTHER GOVERNMENT AGENCIES WORKING TO SHUT YOU DOWN AND PROSECUTE YOU.
Svar från Pinnacle Credit Repair
These claims are false and unfounded and this person has never been a client. Pinnacle Credit Repair is a legitimate, contracted credit-repair firm operating under the Credit Repair Organizations Act, and we reject these allegations in full. Serious accusations like these should be substantiated, and we've asked Trustpilot to review this content against their guidelines. Anyone with a genuine concern about our services is welcome to contact us directly at info@pinnaclecreditrepair.com— Pinnacle Credit Repair
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