I had a 740 credit score and was ecstatic. All the cards I used to dream about having, but recently my score dropped 150 points. I made a very poor decision. I took a cash advance on my DCU platinum card for 10K because they said there was no fee for doing so. I had no idea about a free 10K loan. Take the cash advance on the DCU plat then get a visa with a 0% promo. Two mistakes, not one actually. Took 10K on the DCU, balance was transferred to my new Wells Fargo 0% card. The limits on the cards were 10K, so utilization skyrocketed when one of the cards was at 100%. I thought it was total utilization for which I am at like 15%. My score went from 740 to 590. American Express $8000 ($45,000 limit) Wells Fargo $5400 ($11,000 limit) DCU $4557 ($10,000 limit). I was unsure on how to get back into the good graces of the bureaus until my friend Laura recommended PINNACLE CREDIT SPECIALIST to me. Immediately I reached out to PINNACLE CREDIT SPECIALIST and asked if he could help me fix my credit score too. He responded positively and I had to subscribe to his services. On checking my credit report after 6 days, my score has skyrocketed to Equifax: 801, TransUnion: 804, Experian: 811. I also noticed that the Wells Fargo and DCU has been paid off completely. I highly recommend him as a great credit specialist! Here is his contact info if you need his services. Email: PINNACLECREDITSPECIALIST@GMAIL.COM / Text Or Call +1 (402) 885 9847.