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I was in the process of rebuilding! I had a 30-day late payment to Bank of America from May of 2019 due to being out of the state I live in due to a family emergency. My mother experienced a life changing injury and was in a trauma center for over a month. During this time, I inadvertently overlooked making my BOA payment. I explained this in a Goodwill letter I sent and was surprised that I immediately got a call stating they would investigate it. I was told to give them two to three days, as they would need time to review my account. One morning, I got a call from the same lady stating that they could not honor my request and remove it due to the Fair Credit Reporting Act. I told her that I was disappointed as I had read that they had removed other’s requests after similar events. She then apologized and stated how they changed the Goodwill/Humanitarian policy in December. I was also an authorized user on my ex’s USAA card that was charged off. It was at some point paid and settled but USAA refuses to remove the negative reporting from my credit report. I have disputed with all bureaus, and it’s never removed. This is both a recommendation and an appreciation of the good job that PINNACLE CREDIT SPECIALIST did for me. After reading various testimonies on QUORA and myFICO forum I decided to give them a trial. And believe me when I say they were up to the task as they cleared all the negative items on my credit report including charge offs, all late payment has been marked as paid on time. My report is squeaky clean. This morning, I got an email from Experian that said, " Congrats, your FICO Score went up. My score is now 803. This might sound sketchy, but PINNACLE CREDIT SPECIALIST is a life saver.