First time posting here. I had to relocate back to my state after I took a job in another state that didn’t work out in 2017. My credit card profile was as follows; Opensky opened 2 years 3 months no late payments 209 out of 300 used. Credit one opened 1 year 11 months no late payments 560 out of 600 used. Destiny card opened 1 year 6 months no late payments 0 out of 300 used. Avant card opened 9 months no late payments 0 out of 300 used. Prosper opened 3 months with no late payments 350 out of 1000 used. Capital one platinum opened 1 month (new card) 400 out of 2000 used. I also had student loans for 6k together that are reaffirmed with the advantage. Not sure if reaffirmed is the right word. And my credit took a horrible hit. I’ve been rebuilding since 2022 which I didn’t come out with any positive result. My credit score was EQ 475, TU 503, EX 435 not until I came across PINNACLE CREDIT SPECIALIST on this forum who bypass into the 3 credit bureaus and clear off both student loan including negative report on time payment and more before he increased, my credit scores up to EQ 801, TU 803, EX 809 within 9 days.