"Hello all! I am new here. I am 21 years old just got out of college and am making 61K a year. I do not start paying on student loans until March of next year I wanted to try and get ahead of my credit before then. I had mortgage that is $500 a month. I kept up with that no problem. However, I had over $17000 in debt on multiple credit cards (15-20). I know it was a very bad idea. I missed a few payments as of then due to an emergency and it really hit my credit. I was sitting in the high 400s. I have always looked for a way to fix up my credit. I got my credit issues resolved through PINNACLE"