I am 21 years old, and I graduated college in May 2023. When I started college, I didn't have the credit history to obtain a private student loan for tuition expenses, and I didn't know anyone who would co-sign for me -- and my parents weren't in the position to do so either. Having a decent job at the time, I had the 'bright idea' to obtain a personal loan through my credit union (Founders FCU in SC) to pay for my tuition expenses. Each year I borrowed a little more to pay for each semester -- the loan ended up reaching a whopping $10,000. My credit union also talked me into applying for a credit card -- which I did and had a limit of $5,000. My fall semester of college I lost the job I had throughout college, and having no income until my internship started the next summer, I wasn't able to make the payments and they eventually went into charge off status. Also, during my Junior year in college, my grandmother needed a loan for medical expenses, and her credit was not good enough to qualify on her own, I agreed to co-sign for her, which was dumb, I know. It was a smaller open line of credit ($2,500) at State Employees Credit Union in NC. Around 6 months in, she couldn't make the payments, so I paid it off for her. Unknown to me, she took out an advance on the line right before she passed, and I found out shortly after and was stuck with the bill, and that did not help with the fact that I had lost my job and was already drowning in debt that I could not pay. That account went into charged off status as well shortly after. I have been in a relationship for a couple years, we recently moved in together, and the struggle of being approved as a co-applicant due to my credit made me realize that I needed to get my credit back in shape. It's easy to give up and forget about it, but I know that in the next 3-5 years we will want to buy a house, and I don't want to be the one who makes it difficult because I haven't addressed my credit situation. I have attempted a settlement and payment arrangement with Founders FCU and they have surprisingly been very difficult to work with -- they will not settle and will not make a payment arrangement with me. They also told me that they have filed a judgement. The loan through Founders is still accruing interest as well, but the credit card is not. I got a secured loan through NFCU in March for $300 at a 6-month term, after that a friend of mine who is an attorney recommended PINNACLE CREDIT SPECIALIST to me, which I quickly contacted and explained my predicament to them. They gave me 100% assurance that they’ll bring my credit back to shape. Within 6 days they made my State Employees line of credit reporting as paid and some of my debts marked as paid which boosted my score to an excellent score. Mohela student loan no longer appears on my credit report. All thanks to PINNACLE CREDIT SPECIALIST for helping me gain my happiness back, I sincerely recommend them.
CREDIT HELP
- Thread starter Stephanie Fueger
- Start date
PINNACLE CREDIT SPECIALIST posts FAKE reviews.
There's another thread recently where the poster was also promoting PINNACLE CREDIT. Poster said this institution fixed their credit rating from high 500s to 800s in just six days! (what a MIRACLE!!!).
definitly a"story". Was there a frog that turned into a prince in The story as well?
Not MIRACLE, I believe they are able to do that because they are professional hackers.
So, what they are doing is illegal? Is that it? Their way of boosting someone's credit rating was through hacking credit bureaus and you are proud of that?
I pity the gullible people who would fall victim to this... Sorry not sorry!
What does any of this have to do with Canadian immigration?
You richly deserve every bit of criticism you have drawn since starting this thread. You are about as scummy as the shyster outfit you are touting. "Professional hackers". What a joke. I suppose, as "professionals", they have a governing body. Maybe the College of Hackers of America"? They no doubt adhere to a Code of Conduct have have rigorous training and standards to meet.
If there is a scintilla of truth to your post and if anything you say about you and your experience is real, are you proud to come here and tell the world how you have hopelessly mismanaged your credit and found a fraudulent way to skip out on the consequences? You sound like a real celebrity. I pity your boyfriend.