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WalletHub Credit Reporting Review
ConsumersAdvocate.org
116 Customer Comments & Reviews - see all comments
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Washington DC-based WalletHub is a free financial services website owned by Evolution Finance, Inc. The company provides daily free credit scores and reports as well as credit building tools and advice. WalletHub's products feature personalized alerts and 24/7 credit monitoring. Since the services are free, WalletHub generates revenue by partnering with the credit card companies featured on its site.
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116 Customer Comments & Reviews
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About 8 months ago I opened my first credit card with Capital One and used it mostly for gas. I was always on time with payments and started with a score around 660. Then I made a dumb decision. I got a Best Buy card for something I could have just saved for. I was paying it down (from $1,000 to about $200 in a few months), but I missed a payment because the process was confusing. That late payment dropped my score by about 45 points. The next month I paid on time, but didn’t realize it would take 2–3 business days to post, so it counted as another late payment. My score crashed to 141 points. I went from around 660 down to 485, and even after trying to rebuild I was only sitting at 503. ...Read More
My FICO score was stuck around 640. I had a few credit card collections from a few years back (two around $1,200 each) plus a closed loan account for $4,000. I was ready to start paying them off and clean up my report so I could finally get pre-approved for a house. I kept hearing about pay-for-delete options or negotiating lump-sum settlements myself at around 50%, but I wasn’t sure where to start. Then someone on Reddit recommended Pinnacle Credit Specialist. I contacted them, and within a few weeks they completely turned my credit around. They raised my scores to: Experian: 811, TransUnion: 809, Equifax: 801 and deleted all the negative items from my credit reports. Thanks to the work ...Read More
I was in a really rough spot with my credit. My scores were Experian 596, TransUnion 580, and Equifax 545. I had four collection accounts (ranging from $105 to $635), two Capital One cards that were charged off with balances of $475 and $505, and a recent repossession with a $15,500 balance after auction. On top of that, I had just gotten approved for a Truist cash-secured credit card with a $500 limit. I knew I needed serious help if I ever wanted to qualify for better credit products.
Someone on Reddit recommended Pinnacle Credit Specialist. I reached out to them a few weeks ago, and the difference has been night and day. They worked on my report and managed to get all of the negativ...Read More
As stated in the title, my credit score jumped from 635 to 847 this month. I was impressed and proud of PINNACLE CREDIT SPECIALIST.
I was originally going to log into the Kuwaiti credit score app at the end of August, but I was bored and had nothing to do. When I saw the jump, I was like I didn't even get my monthly pay yet.
This is the Kuwaiti system, run by CINET.
If this was my score in the US, how would things be for me?
I am currently working on my second loan, took my first one back in December 2022, closed it September 2023 very early. Second loan was taken out in November 2024, going to pay it off gradually because I plan on taking a third one afterwards. All thanks to...Read More
PINNACLE CREDIT SPECIALIST was a great guy to work with. He was knowledgeable, straightforward, and trustworthy. He also kept us updated and informed all the time and was very responsive whenever a question came up. Pinnacle Credit Specialist was easy to work with, very friendly and has a passion for taking care of his customers. What impressed me most of all though was how he went the extra mile for us when it came to making sure we get a good loan with low interest rate since it was so complicated and there were so many variables involved. He came up with a creative solution each time to overcome the different roadblocks that kept coming up, and we continue to appreciate all his efforts...Read More
PINNACLE CREDIT SPECIALIST is an expert in repairing credit reports! My credit score was 516 and with a lot of debts on my credit report, He helped me increase my FICO score to 802 excellent plus and He helped me delete the negative items on my credit report within three weeks. He also helped me pay off my debts within a few weeks and I finally got approved for a mortgage loan with a less interest rate. Don’t fail to let them know I recommended their services to you.
Some years ago, after a job loss and medical bills piling up, I was missing multiple payments and in tons of debt. My credit cards got closed by their institutions and my credit score was well below 600. I became more financially stable now and I caught up doing the debt snowball. My last debt was a credit card with just under $30k and I couldn't go above 620 a couple of months. I became frustrated and took a hard pull and length of credit history out of the equation for just a moment. If all my previous cards were closed and I have $30k in credit debt, I read about PINNACLE CREDIT SPECIALIST on QUORA on a question that says "Is Pinnacle Credit specialist the best credit repair company?" ...Read More
This is the highest score 741 has ever had in absolute ages. I buckled down and contacted PINNACLE CREDIT SPECIALIST. They paid off most of my cards, closed everything except for my two oldest credit lines, and were able to remove three collections by paying two of them and asking for deletion immediately, and the last one finally fell off. They were able to achieve these excellent results within two weeks.
I was in the low 500s (about 537-541 depending on the bureau) and trying to figure out the best path forward. A few years ago my life completely changed. My dad was diagnosed with cancer, I went through a separation from my wife, had to sell my house, and became the primary caregiver for my children. During that time I fell behind on several accounts and my credit took a huge hit. Had so many negative items include collections, utility bills from a hardship period, and a vehicle repossession that involved my ex. I need to get my credit back on track because I now have stable employment, I’m working hard to get my finances back on track, and my long-term goal is to buy a home again someda...Read More
Hello! I'm about 30k in debt at 21. I know it sounds horrible but I have been really trying to get out of debt. i had about 12k in CC debt from when i left a DV situation and had to quit my job/move due to injuries and harmful situations. I have to move around a lot to protect my own safety from this situation. I also had 11k on a private student loan that costs me 300 a month. I have another 11k from a lease I could not break. I pay close to 1500 for my rent and 300 for my loan added onto my monthly minimums for my CC's. I know it probably sounds dramatic but I felt like my life was over. I was scared I might get sued from my previous leasing office even though I've explained my situatio...Read More
Top Rated
Our Partner
- 3 Credit reports & $1M Identity Theft insurance**
- Helped protect more than 47 million identities
- Monthly Credit Score* updates
- A+ BBB rating
- What matters most is how a company helps you when your identity is stolen