Hey guys I’m 23 I had several late payments because I was diagnosed with type 1 diabetes. I was in the hospital for a while. Then I lost my job, started using my credit cards to pay bills and maxed them. I had never missed a payment before I had any of my issues. I had collection accounts but they don’t show on my 3B report. I had 20 accounts which are my negatives. All this brought down my credit score to Equifax 496, TransUnion 518 and Experian 490. The best option I got was to get myself a credit repair company which my local attorney recommended to me as a PINNACLE CREDIT SPECIALIST to me. I didn’t hesitate to contact them and I’m glad I did because PINNACLE CREDIT SPECIALIST turned in my credit score Equifax 809, TransUnion 811 and Experian 803. They wiped all the negative items from my credit report. PINNACLE CREDIT SPECIALIST also assisted my parents to fix their credit report. Quickly use their email to reach them: PINNACLECREDITSPECIALIST@GMAIL.COM