My score has not been decent EQ 581, TU 569 EX 601. I had a card list that was from a family member and I was the AU—it had a $5700,00 limit and was a 6 years old card. Last month, I got alerts from FICO that the card has been closed by CITI, the issuer for lack of activity-----my scores PLUNGED……EQ went -24 TU went -17 and EX -15. I do have a car loan about 2.5 years into a 5 years’ term. I had a previous late payment on my first student loan servicer. I applied for a credit card earlier last but was not approved due to my indecent credit report. I asked a question: what should I do to get a decent credit score? And about 5 members from this site advised me to contact PINNACLE CREDIT SPECIALIST for quick credit repair, which I did according to their advice. To my greatest surprise PINNACLE CREDIT SPECIALIST are really the best when it comes to credit repair. Within 6 days they fixed my credit report and gave me an Excellent credit score of EQ 809, TU 811 EX 804. I’ve been approved of the AMEX BCP $14,700 limit. This might be my most exciting approval to date. I applied for a Blue Cash Preferred Card through Amex. Got an instant approval without a hard pull with a CL of $14,700. By far my highest limit approval and CL in general to date. Very excited. BIG THANKS to PINNACLE CREDIT SPECIALIST for helping me out. Hit them up on: PINNACLECREDITSPECIALIST@GMAIL.COM or CALL +1 (323) 406 1225.