James Oliver Hacking III

My husband and I are self-employed architects; we made most of our income from buying, renovating and selling houses in Virginia. In 2022 we had our first child. Lost income from clients who could no longer pay, plummeting real-estate values and a non-existent job market for architects left us with ...virtually no income for four years. We used our credit cards and savings, my 401k, sold our home at a huge loss, all with the idea that the market had to pick up soon and we would then be able to pay off our debts without filing for bankruptcy. We were terrified of bankruptcy because we depended on being able to get a mortgage to finance home purchases and renovations, our main source of income. In retrospect not filing was a mistake, the market never recovered in time for us and we accumulated a massive amount of credit card debt which we could not pay, somewhere around $50-60,000. Much of this has been charged off or we negotiated settlements; however we have two judgements, Amex for $1136 and Chase for $8566, which I tried to settle, and a Citibank account that was bought by Asset Acceptance, original balance of $16,166 now pumped up to $26,340. I read about Pinnacle Credit Specialist on Quora and I didn’t hesitate to contact him, to my greatest surprise, all the debts were cleared completely including the charge offs and credit card debts. More so our credit score has increased to 809 and 801 respectively. All thanks to [email protected] the savior I met a few months ago. You can also reach him via signal: +1 (206) 970-5442 Cheers

Are you Struggling with debt and collections? Hire a Credit Repair hacker that can help! with their exceptional hacking skills to help you out. Wizard Spiders are hacking group that have the ability to erase debt within collection agencies, remove negative marks, items and any inconsistencies causin...g you a low score and prohibiting you from receiving the benefit of a good credit score as well as increase your credit score to excellent on all credit bureaus providing you with a fresh start. Say goodbye to the burden of unpaid debts and take control of your financial future. Reach out to Wizard Spider Group today for a permanent credit repair hack that will make you totally free like a bird. Contact them via: [email protected] or Cellphone #: (585) 635-9228

I’m still in shock typing this. On February 16, 2025, my score suddenly crashed more than 190 points overnight from low-800s all the way down to 611 because of a bogus 90-day late on my federal student loans. The loans had been with Great Lakes, got transferred to Nelnet, and were paused during COVID.... Somehow Nelnet never updated my address and kept mailing statements to an old place. I never saw them, never knew payments restarted, and boom reported 90 days late. I called Nelnet repeatedly, begged, explained the COVID pause mess and they basically said “not our problem, you should’ve updated your address.” Even my CFPB complaint came back denied. I thought I was screwed for years. Posted my story on myFICO® Forums completely defeated, and someone in the comments said “Reach out to Pinnacle Credit Specialist they fixed the exact same thing for me.” I was super skeptical (felt like every “credit repair” place was a scam), but I was desperate. Emailed [email protected] and called +1 (201) 605-9008 the same day. They responded in under 2 hours, explained everything clearly, no pressure, no insane upfront fees. In exactly 30 days they: Got the 90-day late permanently deleted from all three bureaus, removed every trace of the derogatory mark, Boosted my scores to 836 Equifax, 841 TransUnion, 837 Experian I just pulled fresh reports today to confirm the late is GONE. My scores are actually higher than they were before the drop. If you’re dealing with inaccurate student loan lates, Nelnet nonsense, or any unfair derogatory marks please don’t waste months fighting the bureaus and servicers yourself. Pinnacle knows exactly what to do and they move fast. Email: [email protected] Phone: +1 (201) 605-9008 Forever grateful. I’m posting this far and wide so others don’t have to suffer like I did.

I reached out to several Credit Repair agencies before I contacted FIVE STAR CREDIT SPECIALIST. I must say from the start Kevin was very polite, professional and human. The previous company I heard from scared me to death, then insulted me about my credit score. He jumped right to the money before ex...plaining how it all works. I believe I found the right help with FIVE STAR CREDIT SPECIALIST. Kevin truly made me feel secure enough to begin this journey. Excited about my future with FIVE STAR CREDIT SPECIALIST. Thanks Kevin! Email: [email protected] or call +1 (786) 600-4813. This is my greatest life achievement.

I'm 29 years old, born and living in the U.K. I don't know whether it was my own fault due to forgetting to pay, or if there was an issue with the payment going through, but I have ended up missing the deadline for a British Gas payment of £280. Upon finding out I'd missed this repayment after receiv...ing a letter in the post (no reminders since the initial bill was issued), I paid it immediately, but it was too late. I checked my credit score on Experian, and it had dropped a massive 157 points(l) due to this one single missed payment. To add some context, my credit score has been 999 (the max) since I was 18 years old. It has never once dipped as I am always on top of all my payments. I have no credit cards, no loans, and never have been in any debt my entire life. I have paid my bills on time every single month for the last 10 years and am shocked that this one single miss has caused such a drastic drop! Usually I wouldn't be as bothered, but I was in the process of applying for my first mortgage! I became terrified that this is going to affect my application. I was introduced to PINNACLE CREDIT SPECIALIST by a realtor agent Daniel. I must say my experience working with Pinnacle Credit Specialist is the best. I have gained back my excellent credit score within a few weeks working with them. What impressed me most is how he went the extra mile for me when it came to making sure I got the mortgage I wanted with a low deposit down. Thanks to my realtor Daniel for recommending Pinnacle Credit Specialist, my credit score is back to 999. Email: [email protected] or call +1 (409) 331 2269. Thank you so much.