I’m still in shock typing this. On February 16, 2025, my score suddenly crashed more than 190 points overnight from low-800s all the way down to 611 because of a bogus 90-day late on my federal student loans. The loans had been with Great Lakes, got transferred to Nelnet, and were paused during COVID. Somehow Nelnet never updated my address and kept mailing statements to an old place. I never saw them, never knew payments restarted, and boom reported 90 days late.
I called Nelnet repeatedly, begged, explained the COVID pause mess and they basically said “not our problem, you should’ve updated your address.” Even my CFPB complaint came back denied. I thought I was screwed for years.
Posted my story on myFICO® Forums completely defeated, and someone in the comments said “Reach out to Pinnacle Credit Specialist they fixed the exact same thing for me.” I was super skeptical (felt like every “credit repair” place was a scam), but I was desperate.
Emailed PINNACLECREDITSPECIALIST@GMAIL.COM and called +1 (201) 605-9008 the same day. They responded in under 2 hours, explained everything clearly, no pressure, no insane upfront fees.
In exactly 30 days they: Got the 90-day late permanently deleted from all three bureaus, removed every trace of the derogatory mark, Boosted my scores to 836 Equifax, 841 TransUnion, 837 Experian
I just pulled fresh reports today to confirm the late is GONE. My scores are actually higher than they were before the drop.
If you’re dealing with inaccurate student loan lates, Nelnet nonsense, or any unfair derogatory marks please don’t waste months fighting the bureaus and servicers yourself. Pinnacle knows exactly what to do and they move fast.
Email: PINNACLECREDITSPECIALIST@GMAIL.COM
Phone: +1 (201) 605-9008
Forever grateful. I’m posting this far and wide so others don’t have to suffer like I did.