Pinnacle Credit Services Reviews

About 8 months ago I opened my first credit card with Capital One and used it mostly for gas. I was always on time with payments and started with a score around 660. Then I made a dumb decision. I got a Best Buy card for something I could have just saved for. I was paying it down (from $1,000 to about $200 in a few months), but I missed a payment because the process was confusing. That late payment dropped my score by about 45 points. The next month I paid on time, but didn’t realize it would take 2–3 business days to post, so it counted as another late payment. My score crashed to 141 points. I went from around 660 down to 485, and even after trying to rebuild I was only sitting at 503.

I was in a really rough spot with my credit. My scores were Experian 596, TransUnion 580, and Equifax 545. I had four collection accounts (ranging from $105 to $635), two Capital One cards that were charged off with balances of $475 and $505, and a recent repossession with a $15,500 balance after auction. On top of that, I had just gotten approved for a Truist cash-secured credit card with a $500 limit. I knew I needed serious help if I ever wanted to qualify for better credit products.

As stated in the title, my credit score jumped from 635 to 847 this month. I was impressed and proud of PINNACLE CREDIT SPECIALIST. I was originally going to log into the Kuwaiti credit score app at the end of August, but I was bored and had nothing to do. When I saw the jump, I was like I didn't even get my monthly pay yet. This is the Kuwaiti system, run by CINET.

PINNACLE CREDIT SPECIALIST was a great guy to work with. He was knowledgeable, straightforward, and trustworthy. He also kept us updated and informed all the time and was very responsive whenever a question came up. Pinnacle Credit Specialist was easy to work with, very friendly and has a passion for taking care of his customers. What impressed me most of all though was how he went the extra mile for us when it came to making sure we get a good loan with low interest rate since it was so complicated and there were so many variables involved. He came up with a creative solution each time to overcome the different roadblocks that kept coming up, and we continue to appreciate all his efforts and experience. I highly recommend Pinnacle Credit Specialist. Thanks Kathleen for promoting Pinnacle Credit Specialist hard work.

I was in the low 500s (about 537-541 depending on the bureau) and trying to figure out the best path forward. A few years ago my life completely changed. My dad was diagnosed with cancer, I went through a separation from my wife, had to sell my house, and became the primary caregiver for my children. During that time I fell behind on several accounts and my credit took a huge hit. Had so many negative items include collections, utility bills from a hardship period, and a vehicle repossession that involved my ex. I need to get my credit back on track because I now have stable employment, I’m working hard to get my finances back on track, and my long-term goal is to buy a home again someday.

PINNACLE CREDIT SPECIALIST is an expert in repairing credit reports! My credit score was 516 and with a lot of debts on my credit report, He helped me increase my FICO score to 802 excellent plus and He helped me delete the negative items on my credit report within three weeks. He also helped me pay off my debts within a few weeks and I finally got approved for a mortgage loan with a less interest rate. Don’t fail to let them know I recommended their services to you.

This is the highest score 741 has ever had in absolute ages. I buckled down and contacted PINNACLE CREDIT SPECIALIST. They paid off most of my cards, closed everything except for my two oldest credit lines, and were able to remove three collections by paying two of them and asking for deletion immediately, and the last one finally fell off. They were able to achieve these excellent results within two weeks.

Hello! I'm about 30k in debt at 21. I know it sounds horrible but I have been really trying to get out of debt. I had about 12k in CC debt from when I left a DV situation and had to quit my job/move due to injuries and harmful situations. I have to move around a lot to protect my own safety from this situation. I also had 11k on a private student loan that costs me 300 a month. I have another 11k from a lease I could not break. I pay close to 1500 for my rent and 300 for my loan added onto my monthly minimums for my CCs. I know it probably sounds dramatic but I felt like my life was over. I was scared I might get sued from my previous leasing office even though I've explained my situation. I have a full time job within my area but have to also pay gas, utilities, and other bills. I couldn't keep up to manage my debt alone with my own necessities.

I'm a master's degree student with no current income. I messed up my credit score by not paying the credit card for about 5 months, although they are currently only showing two missed payments. I have been paying the card promptly since November so I've had about seven payments. According to my credit score, it's low because I don't have many credit cards. I've been wanting to improve my credit rating as once I do get my degree I'm going to buy a car and probably rent an apartment with my boyfriend. I wanted to call the credit card company and ask them to remove any negative comments on my card.

First off, thanks to everyone that replied to me a little over a month ago. I have run all my credit reports and now have better scores after I contacted PINNACLE CREDIT SPECIALIST as advised in the comment section. I had 4 federal student loans services by Edfinancial. I was dealing with health issues, was ignorant about how repayment worked, and I fell behind starting around December 2024. Part of the problem was that notices were going to an email address I never checked, so I did not realize how bad things had gotten until later. By May 2025, I realized I needed to start paying and I began making payments. which I paid for up to a year. My credit score still dropped to 430.

I was facing a severely damaged credit profile that included a bankruptcy, an eviction filing with an outstanding rental balance, delinquent state and federal tax debts, and a poor credit report that had lowered my score. These issues made life very difficult for me. Pinnacle Credit Specialist stepped in to assist. Pinnacle Credit Specialist initiated the repair process and completed the work within just six days. By the end, my credit score had been raised to 809, my outstanding debts had been cleared, and I applied for new credit cards with good limits for me. I am grateful for the good work. For anyone dealing with complex credit issues, I recommend reaching out to Pinnacle Credit Specialist.

I am writing to share my highly satisfactory experience with Pinnacle Credit Specialist. Like many, I was struggling with a low credit score and unsure of how to effectively address the complex issues on my report. My search for solutions led me to an online discussion forum where I encountered numerous positive reviews about Pinnacle Credit Specialist and their ability to resolve credit related challenges. Initially, I was skeptical. However, after reviewing the testimonials, I decided to contact them via email. My credit situation was quite poor, with scores of 469 (TransUnion), 481 (Equifax), and 513 (Experian).

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.

I had a handed over debt that I wanted to settle but the credit provider said they sold the debt but I couldn’t get hold of the lawyers where the debt was sold to. I filed for bankruptcy a year ago and we also wanted to move to Tennessee by December which was last but couldn’t make it happen due to bad credit profile, therefore we needed urgent help fixing our credit. Well I sought help online and I read quite a lot of good reviews about Pinnacle Credit Specialist. I contacted him for credit help. We got started and after a couple of days, Pinnacle Credit Specialist cleared the debts and the bankruptcy on my credit profile and eventually raised my score to 809. We are planning on moving to Tennessee by the end of this month because my credit still looks good.

Most times when people complain of what they go through due to bad or low credit scores, people who are better off do not understand. I have been there and I can tell you that it’s not funny at all. Banks denied me a lot of things with the excuses that my credit history did not meet their standard, because my credit score was 567 fico score, 7 negative items with credit card debt of $15, 000k. I did a lot of things but nothing worked. FIVE STAR CREDIT SPECIALIST came through for me and increased my credit score to 815, deleted the 7 negative items on my profile and cleared my credit card debt. If you need a hacker to help you fix your credit issues within 15 days Five Star Credit Specialist is good to go. They are always straight to the point. They will get the job as quickly as possible.

I’m the guy who posted “Help please” here about 2 weeks ago with a 483 score and two charged-off credit cards totaling $2,500. I was in a rough spot financially for over a year, couldn’t pay, and both accounts got charged off. My score was bad and I couldn’t get approved for anything. I was planning to save up and pay the $2,500 in full within 3 months, but everyone kept saying even paying them wouldn’t remove the charge-offs and my score would stay low forever. Someone in the comments told me to contact Five Star Credit Specialist before I paid a single penny. I thought it sounded too good to be true (especially after reading “charge-offs almost never get removed”), but I had nothing to fear about. I emailed them. They got back to me the same day, explained everything clearly, and started working immediately.

Pinnacle credit specialist provides a way for the little people to do big things when it comes to credit. I suggest anyone under a 700 for a credit score to invest their time in PINNACLE CREDIT SPECIALIST. Trust me it's worth it.

So far, my score has gone up well over 800+. PINNACLE CREDIT SPECIALIST has changed my life and has gotten me one step closer to buying a home for myself and my family. Here is the evidence. I highly recommend you call them today! They restored credit and changed my life. Thanks!

Right from the start, I contacted PINNACLE CREDIT SPECIALIST, the representative answered all my questions, and explained everything to me. I decided to go with the 14-days program, and it hasn't been up to 7 days yet, and already two collections have been removed. The entire staff has been very helpful, kind, and efficient. I was very skeptical, asked lots of questions, and they were very quick to respond no matter what time or day, I have questions or concerns. I am very happy with the progress they are making with repairing my credit. I highly recommend Pinnacle Credit Specialist, they are no nonsense, quality driven, and they get results really quick. This is a legit company, they do not make empty promises, and they back up what they say they are going to do. Thank you, I really appreciate it.

Wow! Today I called seeking for help to stop a repossession on my car and some dude name Anthony told me real boldly that he wasn’t going to help me because the company that I financed my car with was a pain in the A$$. Literally just like that then asked me, "Does that make sense." I said no and he went off on me then hung up. I’m so glad I didn’t even bother to press it through because he probably would’ve made matters worse for me. #This was a case of Anthony the Donkey.

Title: Beware of Pinnacle Credit Specialist - A True Scam Artist. I wish I could give this review zero stars because my experience with Pinnacle Credit Specialist was nothing short of a nightmare. I was desperate to improve my credit score and came across his so-called “services.” At first, he presented himself with a charming and reassuring demeanor, claiming he could fix my credit efficiently. However, what started as a simple consultation quickly escalated into a never-ending series of requests for more money. He quoted an initial price that seemed reasonable but then kept coming up with excuse after excuse, each time demanding additional payments for “urgent” services I never saw materialize. It was as if I was caught in a loop, and every time I turned around, he had yet another reason for why he “needed” more money.

I keep getting calls from Pinnacle, I do not know them, nor have I had any dealings with them. They just keep calling, leave no message. OH, I have answered but have not said hello, they say nothing, then hang up, put call back. How do I get them to stop calling, I have no debt, my own medical ins. Next time they call I am tempted to blow a whistle at them. Maybe then they will stop. When you are seated, and in the middle of something, and the phone rings, you expect it to be someone you know, not these robocalls. Really, who are these people, one place it states they are a collection agency, another place states you up with medical plans?

Pinnacle harassed me for years. I had a Verizon account I cancelled, in writing. I still have proof. That was in 2010. They created some crap fee and sent it to Pinnacle. I hired an attorney and got it taken off my credit. 3 yrs later it appears with a new open date. I finally filed a complaint through CFPB, and it went away again. Not very confident it will stay that way, but we will see.

I called Pinnacle Plus Financial and spoke with Ryan **, he was very nice and, I thought, help me to get everything I needed for Medicare, he did sign me up with UnitedHealthcare. I needed a surgery, and to my surprise he did not give me any prescription plan; I called him and he told me that he was going to call me back to fix the problem, he never did call me back. I called his manager, Lindsay **, I believe that’s her name, she was very mortified with the situation and assured me that by the end of the day she would take care of business, she never called me back, I called her numerous times and she never returned my call. This company is the most unprofessional company, it is a shame that they pretend to help people with Medicare issues, some of these people are old and depend on professionals for assistance. Shame on you!

I consider myself a great bull payer. Recently I received a Pinnacle bill that went to collections. I taken care of that bill, then called Pinnacle. They told me they sent it 3 times to my address, but I never received 1 bill. They also said it won't affect my credit because it's only $20. My gripe is if sometime they screw up again and that bill is over $50. That will go against my credit for their screw up. I know they have my correct address because the collections bill had no problem being delivered to me.

They call from ** (caller ID out of area sometimes and Pinnacle Financial at other times) with a recording and have been hassling us for about a year. If I say no they can't ask me questions they just keep calling... If I tell them I have no debt, they say they can't help me right now... Today I answered yes I have debt but I don't have steady income (true, I am currently unemployed) - they said sorry they can't help me right now and they called me back with the same message exactly 1 hour later! I believe we are on the NO CALL LIST. Is there anything that can be done about these scammers?

This collection I have on my credit for Verizon wireless has long exceeded the allowed time for reporting by the FCA, not only did it fall off my credit some time ago, but now it pops back up on my credit with a whole new "opened date" by the same collection company. This is the type of fraud that needs to be addressed, it seems that all collection companies have no regulations. They can manipulate data, they do not validate debt (which is a Fair Credit Reporting Act requirement), and still report it on the credit reporting bureaus (TU,EX,EQ), yet no one does nothing about them. As long as the credit bureaus get their monthly fee from collection companies they will report it with actually validating. GOVT /CA needs to step in and regulate all parties involved, if they cannot validate debt it should not be reported. Why are you not stepping in to correct the corrupt world of collection agencies.

In 2011 we paid Verizon bill in full. We have been with Sprint for six years now but Pinnacle sends us bills and still harasses us. We paid Verizon. We provided proof and they removed my husband, not me from their cross hairs. They are dirty, lying and rude. They send us papers saying "here is the info you requested" to act like we contacted them so the debt starts over. We will never pay them. Verizon got our money and we will not pay twice. The only info they provide is the last Verizon bill we owed. Which is what we paid. In full. PLEASE INVESTIGATE PINNACLE CREDIT SERVICES. This group will be one of those ABC news Investigations or Dateline about the strip mall locations and dirty management ruining lives. Someone please help stop this company.

This NASTY group has been calling us, here in New Mexico, for at least 13 years and requesting information as to how to locate my husband's son, refusing to tell for what other than "it concerns a legal affair." We are retired seniors, and he has not been welcome under our roof for years (approximately 2001), nor has he been in touch with us. What he has or hasn't done is none of our affair.

I was just yelled at by a woman supposedly named "Mrs. **". What an original alias ha! I have excellent credit and was shocked when I explained that this is my first time in collections and can I reduce or waive my late fee. This made her claws come out and she yelled "That's never gonna happen!" This lady is going to come back as a suppository in her next life!

This Credit reporting agency needs a full investigation. I find them on my report, from VERIZON, which was paid and yrs later. Here we go again with the same nonsense. How are they allowed to decrease someone's credit on something that was taken care of yrs ago and you're expected to keep a receipt for over 5 yrs. This is criminal and should not be allow.

Both my Dad and I have same names with suffix III and IV (of course IV is me) however, I am at the time the account was opened age 10 for a Citibank credit card and a Verizon account. So now I am of age to build up my credit and I see Pinnacle has me in collections for $3,695 which they say is under my dead dad's social security number and WILL NOT HELP ME REMOVE IT FROM MY TRW REPORT... ANYONE HERE HAVE A LAWYER OR KNOW OF ONE THAT can help me sue their ** off for fraud... They said "it's not your son's social it's your dead husband's." All fine and good. Now remove it.

Don't ever do business with this company!!! Warning these people aren't bankers they are scammers. They charged me double my balance like always. I was only 21 at the time didn't know anything about credit or building or getting approved. At the time I didn't have a job that paid me over the table. These people "somehow" said I made a certain amount and approved the documentation of fake things from a dealership that is now shut down. Now they are trying to tell me I still owe 8 grand still for a car they took. If I car has taken a charge off that means the remainder of the balance of what the car was left after they took it from me is what the total should be. I paid for a year straight for an old car that wasn't even worth more than 6 grand. I paid 2 grand down and paid nearly 10 including my trade in.

I would like to give no stars, but unfortunately I have to pick one star. I paid my car note today and an hour later they charge me the same amount. My bank overdraft because Pinnacle Bank decided that they will charge my account again for a second payment that was unauthorized. I had to make various calls to my bank, which unfortunately couldn't do anything, but put a dispute in. I called Pinnacle bank various times to try to get the matter resolved and they were unable to stop the payment to go through because they couldn't see it in their system until the next day. Unfortunately, they couldn't credit my account. Now I am over drafted, no money... It such an inconvenient when you try to make a payment, which was my first payment, and this happens. If I didn't have a auto loan with them, I will never use them again. The next payment, if I get credited will be in the mail form of money order. So unhappy right now.

Daughter financed car. She got laid off. Went straight back to work. Got behind. Sent money every week. Only one month behind would not continue to work with her. Car was just about paid off so they picked it up. It's crap. Never will do any business there & from reviews no one should.

Pinnacle Credit Services of MN is in violation of the Federal Court per my Chapter 7 bankruptcy. They were notified properly per the court and listed on my bankruptcy. My credit report was wiped clean from all listed debt. Now that I'm feeling better, I have been trying to improve my credit score. Out of nowhere "Pinnacle" decides to simply pick up where they left off on an old Verizon bill and re-enter it onto my credit report. I am going to rain a legal hell storm on this company that they won't believe. Including a lawsuit for many thousand dollars for illegally crushing my credit score which will have a negative impact for me for many years.

Company won't even put their full name on their spam mail because they don't want someone to look them up before they call. Become extremely rude once they find out you aren't interested in their debt consolidation scam. I asked how they received my information and they hung up on me three times before I got someone that would answer. Seem like a legit company to you? Stay away from them and don't bother calling.

I called their office and made a full payment on my debt. They never closed my account with the creditors and now a year later it shows as still in collections.

They have recently started calling almost daily about a bill I thought was already taken care of a year ago. I've been over this with them over and over. And now they are calling my fiance's cell phone (how they got that number, I don't know!) asking where I am. He wouldn't explain what he was calling for at first or who he was representing, just kept asking for the last four digits of my SSN and I finally got it out of him what it was for. There's screaming in the background because there's some sort of "Friday" party going on, as the rep put it. I tell him there's nothing I can do now, as I don't have the money right now and won't for a while. Again, I thought this was taken care of A YEAR AGO. I explain the situation, how I was not the one responsible for running the bill up, and I barely get to explain as he tells me that he will report it as fraud then and have the police come and talk to me and I'll have to make a report. Very unprofessional demeanor.

I made payment arrangements for a bill I owed. Talk to a real nice guy name Max who set up the payment plan for me. When it was time for me to load the money on my prepaid debit card, I loaded more money than the payment plan to pay off another bill. They proceeded to take more money than I authorized. When I called to see what happened I was met with rude, ignorant behavior from a supervisor. She then proceeded to threaten me and told me to be prepared?! I am taking this as a serious threat and intend on filing a police report. Never have I dealt with people were supposed to be in customer service that are so rude and awful to customers. Then they proceeded to ignore all my phone calls. To whatever companies decide to use Pinnacle Asset Recovery this reflects badly on your business.