I am 27. Got my first. Credit cards at 18. was approved a car off of the Toyota lot 7 months later with no cosigner... Being young and dumb, I maxed out all of my cards and had to go through a rebuild process in 2018. At that time, I studied these forums, had late payments and collections removed and was given a 15k AMEX card at 22!! I was making a lot of money at the time and again, was spending stupidly. From then on, things only went downhill. Long story short my AMEX was charged off and still reports every month as a charge off. I needed help getting this off my credit because it has shot it down so much!!! Until last month when I came across a review on this forum about PINNACLE CREDIT SPECIALIST a credit reform company. I decided to give them a try. 6 days after we reached an agreement and I met the requirements which obviously wasn’t much. My profile was totally repaired. Now my score is 806. All thanks to PINNACLE CREDIT SPECIALIST. Reach them via: PINNACLECREDITSPECIALIST@GMAIL.COM