High Credit Score Secrets: The Smart Raise and Repair Guide to Excellent Credit
Written by Thomas Herold
Narrated by Madison Niederhauser
5/5
()
About this audiobook
Poor Credit Score Could Cost You Hundreds of Thousands of Dollars
A recent financial statistic revealed that increasing your score from 'fair' to 'good' saves you an average of $86,200* over a lifetime. Imagine what you could do with that extra money?
Improve Your Credit Score in 45-60 Days or Even Less
This practical credit compendium starts off by demonstrating over 50 guaranteed methods of how you can almost immediately boost your credit score. Follow these simple, effective and proven strategies to improve your credit score from as low as 450 points to over 810. Understand the tactics to build excellent credit for yourself and how to guard that good score for a lifetime.
A good credit score is essential if you want to achieve financial freedom. This book shows exactly you how to get there and see results quickly.
The Only Credit Book You Ever Need
• The startling benefits of good credit you never realized
• Quick start guide with over 50 tested methods
• Understand how your credit score is calculated
• Straight-forward ways to build good credit fast
• Step by step advice on how to repair your credit yourself
• Best credit repair services and how to work with them
• How to keep your good credit and protect it for a lifetime
Understand the exact mathematical algorithm that all 3 major credit bureaus use to calculate your credit score. Learn what actions you can take to improve your credit score and what behavior will demote it.
Do It Yourself Smart Credit Repair
Reveals the exact methods that the credit bureaus don't want you to know. Apply the simple step-by-step process the experts use to delete all derogatory items from your credit reports. Bankruptcies, late payments, repossession, collections, judgments, liens, etc.
Thomas Herold
Thomas Herold, Jahrgang 1963, lebte bis 1997 in Freiburg im Breisgau. Er studierte Elektrotechnik mit Schwerpunkt EDV, und gründete mit 21 seine erste Firma im Bereich Softwareentwicklung. Seine Liebe galt allerdings schon in frühen Jahren der Metaphysik, und seine Reisen durch Indien prägten seinen weiteren Werdegang. Danach hat er sich für 20 Jahre in den USA (Hawaii & Kalifornien) angesiedelt, und veröffentlichte über 35 Bücher für den Finanzmarkt. Durch die Finanzkrise in 2008 hat er tiefe Einblicke in das Finanzgeschehen erhalten, und seinen ersten Besteller 'Money Deception' geschrieben. Seit 2016 ist er wieder in Freiburg in Breisgau und schreibt metaphysische Kurzgeschichten. „Einsteins wichtigste Erkenntnis“ ist seine erste Kurzgeschichte aus der Welt der Metaphysik.
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Reviews for High Credit Score Secrets
134 ratings75 reviews
What our readers think
Readers find this title to be a life-changing read, filled with hope and success stories. The credit repair companies mentioned have helped individuals overcome financial struggles and improve their credit scores significantly. The positive experiences shared showcase the effectiveness of these services in turning around credit history, offering a chance at financial stability and access to opportunities previously out of reach.
- Rating: 5 out of 5 stars5/5
Apr 3, 2024
Hello! I’m Grace, my experience working with DOVLY CREDIT SOLUTION has been outstanding. I was at 561 Equifax, 563 TransUnion. I had 1 collection a year 2 months with a balance of 585, 2 charge offs one at BOA CC at $1,228 closed June 22 was still being reported as of 01/24, SYNCB/PP at $1534 closed on 07/22 last reported Dec 23. I was depressed, my mom had cancer, but I recently graduated college and just found a decent paying job. Didn’t know what step to take to get my credit back on track. I was introduced by my realtor agent Daniel. I must confess I had a bad experience in the past with different agencies trying to clear my credit. I have gained good credit ever since I started working with DOVLY CREDIT SOLUTION. My credit score has been raised to 808 Experian, 801 Equifax and 806 TransUnion within 8 days. Thanks to my realtor Daniel for recommending DOVLY CREDIT SOLUTION to me.8 people found this helpful
- Rating: 5 out of 5 stars5/5
Nov 17, 2025
I really enjoy doing business with FIVE STAR CREDIT SPECIALIST. I have been speaking to Kevin and he is always overly helpful when I call. Whenever I call in, I request to speak to him. I would definitely recommend FIVE STAR CREDIT SPECIALIST as their results are really effective on my 3 credit reports. I was skeptical at first but Five Star Credit Specialist does what they say. They really are thorough with cleaning up credit reports! Kevin reinforces that whenever I need to call in about something. - Rating: 5 out of 5 stars5/5
Oct 18, 2025
Right from the start, I get in touch with JERRYLINK CREDIT GROUP, the representative answered all my questions, and explained everything to me. I decided to go with the 14-days program, and it hasn't been up to 7 days yet, and already two collections have been removed. The entire staff has been very helpful, kind, and efficient. I was very skeptical, asked lots of questions, and they were very quick to respond no matter what time or day, I have questions or concerns. I am very happy with the progress they are making with repairing my credit. I highly recommend JERRYLINK CREDIT GROUP, they are no nonsense, quality driven, and they get results really quick. This is a legit company, they do not make empty promises, and they back up what they say they are going to do. Thank you, I really appreciate it. Notify them by email:jerrylinkcreditgroup@gmail.com - Rating: 5 out of 5 stars5/5
Oct 13, 2025
Hello everyone, I’m new here. I’m 23, in the navy now. It actually feels good to have a worthy credit profile. I want to use this time to appreciate PINNACLE CREDIT SPECIALIST for helping me out of a bad credit report that made my life miserable. I kind of ruined it when I was 18. My Experian score was 562, I had a loan of $4,848.12, yes, I know I suck at money but I’ve been doing a little better than how I was before so save the shit talking pls I’m trying lol. Anyways I also do have a collection of $621 and a closed loan from affirm for $886. I also had my first hard inquiry on August 21, 2025. I needed some honest advice and feedback about how I could fix my credit. Pinnacle Credit Specialist came through for me, my credit report cleaned up with all negative entries removed: hard inquiry and collections wiped out including $4,848.12 loan paid off. And my score is now 809. I’m happy to have them in my life. - Rating: 5 out of 5 stars5/5
Sep 26, 2025
So far, pinnacle credit specialist has been helpful & knowledgeable. As soon as I hired them right away, they helped get Comcast negative marks that were incorrect off my FICO score & they also removed one of the collections I got from an eviction due to my ex lying to me about actually paying the rent before we moved. It's not that expensive, only $1k and one-time payment, the most amazing thing is you can pay after they fix your credit and you get a credit card. Go for PINNACLE CREDIT SPECIALIST and save thousands on future loan rates. So far, I find it worth it because I’ve applied for a few cards which are in my wallet right now. Chase Sapphire- CLI $13,000, Chase Unlimited Freedom- CLIN $12,000, Marriott Bonvoy- CLI $9,000, AMEX BCP- CLI $35,900, Bank of America Unlimited Cash CLI $3,000. Experian score 794, Equifax score 800: FICO 8 792. Email: PINNACLECREDITSPECIALIST@GMAIL.COM / +1 (409) 331-2269. - Rating: 5 out of 5 stars5/5
Sep 23, 2025
So far, my score has gone up well over 800+. PINNACLE CREDIT SPECIALIST has changed my life and has gotten me one step closer to buying a home for myself and my family. Here is the evidence. I highly recommend you call them today! They restored credit and changed my life. Thanks! - Rating: 5 out of 5 stars5/5
Sep 19, 2025
Right from the start, I contacted PINNACLE CREDIT SPECIALIST, the representative answered all my questions, and explained everything to me. I decided to go with the 14-days program, and it hasn't been up to 7 days yet, and already two collections have been removed. The entire staff has been very helpful, kind, and efficient. I was very skeptical, asked lots of questions, and they were very quick to respond no matter what time or day, I have questions or concerns. I am very happy with the progress they are making with repairing my credit. I highly recommend Pinnacle Credit Specialist, they are no nonsense, quality driven, and they get results really quick. This is a legit company, they do not make empty promises, and they back up what they say they are going to do. Thank you, I really appreciate it. - Rating: 5 out of 5 stars5/5
Sep 16, 2025
When I first met PINNACLE CREDIT SPECIALIST, I was in the process of buying a Used Car, but after talking to him about my Credit we agreed to repair my credit. I am so glad I did, not only did I get a better credit score and bad credit removed, I was able to buy myself a brand-new Truck, not a Used one. I have never owned a New Vehicle in my Life. Thank you, Jesus, for putting Pinnacle Credit Specialist in my Life. I am referring everybody that I think needs help! - Rating: 5 out of 5 stars5/5
Sep 7, 2025
What an excellent team work from CREDITFIRM NET SOLUTION. It was a great experience and a pleasure dealing with them. Who’s best and only focus were their clients. I’m finally back on track with my financials and credit score raised to 804 TransUnion, 807 Equifax and 811 Experian. I’m going to sustain it for as long as I can. I honestly recommend them to the world via: creditfirmnetsolution@gmail.com you should write them now. - Rating: 5 out of 5 stars5/5
Sep 4, 2025
After years of trying to fix my credit score on my own, I was at a complete standstill. I luckily bumped into a friend from high school MILES, he is now working with an IT FIRM, who hinted me about this best credit Repair Company CREDITFIRM NET SOLUTION, and it was the best decision I could have made. They were incredibly responsive and got to work immediately. Within a very short time, they had identified and begun to successfully challenge the errors that were holding me back. The results have been amazing, and I've seen a real positive change in my credit report. I highly recommend CREDITFIRM NET SOLUTION to anyone who needs expert help to get their financial life back on track! You should write them on creditfirmnetsolution@gmail.com and don’t forget to mention Miles to them, for his star. - Rating: 5 out of 5 stars5/5
Aug 14, 2025
It feels good when you know you have a great credit profile. I was dying slowly inside until I opened up my situation to a colleague who then recommended Jerry Link Credit Group, and narrated how they increased his score. I immediately contacted via: jerrylinkgroup@gmail.com, I made some financial commitment upfront. Days after,all the negative on report cleared,bankruptcy was removed completely, including foreclosure, and my score was raised to 789. I promised to let others know about their services. Do reach out to them via email. Thanks - Rating: 5 out of 5 stars5/5
Jun 14, 2025
I needed help I was involved in an accident on December 1st and I had to pay the medical bill by Jan 1st and my lawyer was handling all of the process and my medical bills and all that, my lawyer ensured that she will file the medical bills form by herself, and now when I check my credit score I have a collection on it for that hospital bill and it has dropped my scores to 569. I was so fucking pissed out, that motherfucking bill fucked me over. I read about PINNACLE CREDIT SPECIALIST on this platform, and I took the risk because I was scared of trusting a huge amount of money and my personal information to a total stranger, but I decided to give him a try. I’m marveled by the results I got afterwards. They deleted the medical bills from my report including other negative items and late payments. I now have an excellent score of EQ 801, EX 809 and TU 811. All this happened within 6 days. - Rating: 5 out of 5 stars5/5
Jun 13, 2025
Hi, I want to thank the Members of this Forum, you guys have been a great help to my credit journey. A few years ago, I messed up my credit. I had a few charge offs from Discover bank, Capital one bank, and Chase bank. After a month with PINNACLE CREDIT SPECIALIST, I was able to get all 3 charge offs removed. Now I have started to build my credit with a clean slate. Back in April 2025 I was approved for a US bank secured credit card with a $5,000 limit. I recently got a pre-approval from capital one for savor, this morning I took the offer and was instantly approved for the $5,000 limit. My current score is Experian 782 TransUnion 746 EQUIFAX 764 these are fico scores. I currently have no late payments, no charge offs and no collections or public records. My current utilization is at 6.4%. Also, I can’t seem to understand why my EQUIFAX score is so low compared to other credit agencies. Pinnacle Credit Specialist has done it for me, and I want the world to know about him. Contact him via: PINNACLECREDITSPECIALIST@GMAIL.COM or call +1 (409) 331-2269 - Rating: 5 out of 5 stars5/5
Jun 4, 2025
I will forever keep thanking this amazing company called PINNACLE CREDIT SPECIALIST for the help. After I had a fatal accident 6 months ago, I went to apply for a loan to enable me to pay up my medical bills which didn’t come through because my credit score is in the 499 range coupled with student’s loan. Thanks to Grandma who mentioned how they helped Grandpa, and she encouraged me to hire Pinnacle Credit Specialist, to my great surprise, 14 days after I made an initial deposit, my scores were raised to 811, medical bills, student loans cleared, and they added good trade lines. I would love to recommend them to anyone in need of a credit repair service. - Rating: 5 out of 5 stars5/5
May 25, 2025
My name is Ronald Frederick and I was desperately in need of raising up my FICO score, I have had a lot of issues with my credit and no one has been able to help me. I used to be an 800+ I’m now at 476 and not to my own fault. I have had someone who use my credit to the point that it almost has caused me a divorce. I implore you to get in touch with SAFEPORT CREDIT SPECIALIST. He promises to fixed my report within 4 days. He got my score up to 791 in less than 4 days and also deleted all collections including my public records was deleted. His fee is very affordable and he always keep to his words. Hit him up by email:SAFEPORTCREDITSPECIALIST@GMAIL.COM
Contact:+1 302-201-8667 - Rating: 5 out of 5 stars5/5
May 22, 2025
So, I had some charge offs and collections from a few years ago because I went to jail for a while and had to stop paying for them. The rebuilding started around 8 months ago with chime and a capital one quicksilver secured card. I had $8k in student loan and $7k car loan. My scores were around 587-650 depending on the bureaus. Charge offs: Apple Card-$2k Capital one Platinum-$4k Discover-$1.5k. Collections: $2k. Even though bad credit reports prevented me from getting a loan on time and losing jobs, my happiness remains that the problem was given complete solution by this great hacker called PINNACLE CREDIT SPECIALIST; after explaining the problem I was facing to my best friend Charlotte, she decided to introduce me to Pinnacle Credit Specialist. Immediately I contacted them via: PINNACLECREDITSPECIALIST@GMAIL.COM and as well texted +1 (409) 331 2269. Through his great efforts my credit was fixed and all the negative marks on my report including the charge offs and collections were deleted, my scores were boosted from 587 to 800+ across the three credit bureaus. We had little problem at the process which they told me 6 days but it took 14 days. But they are very happy and comfortable with their services. I think the best steps to take is to contact them and Happy. Don’t forget to mention to them that I referred you. - Rating: 5 out of 5 stars5/5
May 17, 2025
I had a damaged credit report that included the following: bankruptcy, an eviction filing, an outstanding rental balance, delinquent state and federal tax debts, and a very low credit score that negatively affected my credit report. PINNACLE CREDIT SPECIALIST came to my rescue and began the repair process, which he completed within 14 days. He raised my score to over 800 across the three credit bureaus, paid off my debts, and applied for new credit cards with good limits. Contact him now at PINNACLECREDITSPECIALIST@GMAIL.COM or call +1 (409) 331 2269. Cheers. - Rating: 5 out of 5 stars5/5
Apr 25, 2025
I had old medical bills on my credit report, but they have no account numbers and other information that I don’t know of. How do I dispute them off my credit? My fiancée has stuff on his credit report from 2022, but we can’t get them removed until we came across Pinnacle Credit Specialist the anonymous hacker from this blog who bypasses into the 3 credit bureaus and clears off both student loans including other negative marks on my report on two times payment as agreed. He also went ahead to add some positive trade lines which helped screw up my credit scores to 800+ within 14 days. - Rating: 5 out of 5 stars5/5
Apr 23, 2025
I recently worked with Pinnacle Credit Specialist to address some issues on my credit report, and I’m genuinely impressed with the results. After a family member recommended their services, I reached out for assistance with improving my credit score, which had been negatively impacted by several inaccuracies. Pinnacle Credit Specialist was professional, efficient, and reliable throughout the process. They thoroughly reviewed my credit report, identified errors, and guided me on the steps to dispute them. Within a few weeks, I saw a significant improvement in my credit score, and I was able to move forward with my financial goals. Their expertise in credit repair was evident, and they communicated clearly at every stage. For anyone seeking a trustworthy credit repair service, I highly recommend Pinnacle Credit Specialist. I’m confident they can help others achieve similar results. - Rating: 5 out of 5 stars5/5
Apr 19, 2025
I'm still in shock! I was struggling with a credit score of 317, and derogatory marks were holding me back from getting approved for loans and credit cards. A friend recommended me to Mr Jerry, a hacker who specialized in credit repair, and I'm so glad I took the chance. He worked his magic and removed all the negative items from my report. My score shot up to 801, and I'm now eligible for the best interest rates and terms. The process was smooth and efficient, and the results are life-changing. If you're struggling with credit issues, I highly recommend reaching out to this expert. Five stars isn't enough - I'd give them ten stars if I could, you can contact him via Jerrylinkcreditgroup At Gmail Dot Com. - Rating: 5 out of 5 stars5/5
Apr 10, 2025
Are you tired of struggling with credit report issues? I was too—until I found Pinnacle Credit Specialist. I had an eviction on my credit report and a low FICO score of 550, which held me back for years. Then I came across a Google forum filled with testimonials about Pinnacle Credit Specialist. Skeptical at first, I decided to reach out—and it turned out to be a game-changer. They raised my FICO score to an excellent 816 and successfully removed the eviction from my report. Affordable, reliable, and always ready to assist, Pinnacle Credit Specialist truly delivered. Their office is located at 12400 La Guardia Ln, Del Valle, Texas. Book an appointment today, and don’t forget to mention I referred you! - Rating: 5 out of 5 stars5/5
Apr 8, 2025
I wanted to purchase a car months ago, but I wasn’t approved for a loan, I needed a score of at least 700 to be approved for the loan, but my score was 519. I had many hard inquiries, collections, late payments, unpaid debts and an eviction. I contacted this life saver PINNACLE CREDIT SPECIALIST. They helped me wipe all the negative items and raised my score to 793. It’s been 2 weeks now and nothing is coming back. - Rating: 5 out of 5 stars5/5
Apr 4, 2025
A few days after I contacted PINNACLE CREDIT SPECIALIST, they increased my score to 779 and improved my credit profile by removing the evictions, charge off, late payments and DMV, I sincerely acknowledge their relentless efforts and urge you to contact Pinnacle Credit Specialist for any credit related issue. Contact info: (PINNACLECREDITSPECIALIST@GMAIL.COM /+1 409 331 2269) Honestly, I do not enjoy writing much, but I must let the world know about this genius that helped me. Seriously I needed an apartment for myself, but I couldn’t get one because of the two evictions on my report from 2021. He deleted them. Last week I just got approved for a new apartment. Thanks to Pinnacle Credit Specialist I sincerely recommend them to anyone who needs credit issues. - Rating: 5 out of 5 stars5/5
Apr 2, 2025
Despite I’m free, it still feels like a dream. Upon discovering this site and the group admin's recommendation, along with other forum evaluations confirming its legality, I felt compelled to give Mr.Jerry a try, trusting that whatever outcome I would have to accept, I was pessimistic about it . but they surprised me. I still can’t believe they helped me raise my credit score from 583 to 801, which surprised me the most. Hard inquiries focusing on TU, EQ, and EX were deleted. In fact, they enhanced my report with a few tradelines. Much appreciation to jerrylinkcreditgroup(at)GMAIL(dot) COM. - Rating: 5 out of 5 stars5/5
Mar 31, 2025
I’d like to share my experience rebuilding my credit over the past four years. After a challenging divorce drained my finances, I fell behind on auto loans and credit cards, fortunately without a mortgage to worry about. My credit score plummeted to the low 400s, though my debt-to-income ratio remained manageable at 20%. My goal was to return to my pre-divorce score of 745 and secure a low-rate auto loan. In early 2025, I applied for a Capital One Venture card but was denied due to missed payments, the most recent being in January 2024. Determined to improve, I researched online and found consistent praise for Pinnacle Credit Specialist. I reached out, and within days of working together, they cleared the debts from my credit profile and boosted my score to an impressive 795. I’ve since relocated to Nevada, and my credit remains strong. For anyone seeking credit repair, I recommend contacting Pinnacle Credit Specialist. Their results speak for themselves, and I’m grateful for the fresh start they helped me achieve. - Rating: 5 out of 5 stars5/5
Mar 27, 2025
I’m a 21-year-old part-time after-school teacher earning $600 biweekly. I had an $8,000 auto loan (17.9% interest, 6-year term, $200/month) and three maxed-out credit cards: Bank of America ($1,300), Best Buy ($2,000), and Amazon ($2,000). My credit score was 550, and I needed to qualify for an apartment. After reading a recommendation about Pinnacle Credit Specialist on a Reddit credit repair forum, I decided to contact them. They responded promptly and, within 15 days, cleared all negative items from my report, including my credit card debts, while adding a positive tradeline. My score increased to 779—an excellent result. I found Pinnacle to be efficient and effective, and I’d recommend them to anyone needing credit repair assistance. - Rating: 5 out of 5 stars5/5
Mar 20, 2025
I was in a tough spot. My credit score was a mess, and I felt like I was stuck in a cycle of debt. I had collection accounts, late payments, and even some closed accounts that were still negatively impacting my score. I knew I needed help, and that's when I found SAFEPORT CREDIT SPECIALIST.
They were a lifesaver. They took the time to understand my situation and explained everything clearly. They helped me dispute inaccurate information on my report, negotiate with creditors, and even add positive tradelines to boost my score. It was a long process, but they were patient and supportive throughout.
Thanks to SAFEPORT CREDIT SPECIALIST, my credit score is now in the 800s! I was able to get a mortgage with a great interest rate and finally achieve my dream of homeownership. I can't thank them enough for their expertise and dedication. If you're struggling with your credit, I highly recommend reaching out to SAFEPORT CREDIT SPECIALIST. They can make a real difference in your life.
Contact: +1 302-201-8667
Email: SAFEPORTCREDITSPECIALIST@GMAIL.COM - Rating: 5 out of 5 stars5/5
Mar 17, 2025
This is an incredible relief, I can’t believe this, all the anxiety is gone, I’m credit card dept free with an excellent 804 credit score, all thanks to Mr. Jerry. Looking back, I was very stubborn and didn’t realize how much I needed help but I’m very grateful I took a leap of faith with jerrylinkcreditgroup At G mail dot com, they fixed everything, now I feel more financially competent as well as the weight of dept and high interest rates have been lifted off my shoulders, Cheers to them for a good job. - Rating: 5 out of 5 stars5/5
Mar 13, 2025
Hello, everyone, I’m Samantha from Florida. I’m so grateful to PINNACLE CREDIT SPECIALIST for such wonderful work. I had three credit cards to which I pay my bills closely in most cases on due dates through pre-authorized debits. I also have a good mix of credit which is student loan but still have been deprived of a car loan. Although most of the negative items will be removed in a few months (about a year) time. I have a credit score of 482 with so many derogatory items that are from 3 years ago. I couldn't condole it anymore as most of my colleagues at work have their personal cars. I felt in despair most times considering my predicament. After quick research of a hacker called: PINNACLECREDITSPECIALIST@GMAIL.COM / +1 (409) 331 2269 with numerous recommendations and which my girlfriend Lily explained about with positive reviews and referrals. I contacted him explaining my problem. Duly he came up with a resounding proposal and guaranteed my derogatory items wiped, reports and scores enhanced within 6 working days. With so much anxiety I waited and to my greatest surprise after 8 days my report was sound with positive trade lines posted on it including a revolving credit card, a 790-credit score and all negative reports were deleted. I got approved for a loan, got my car and most especially got myself together. I strongly recommend him for your credit fix. - Rating: 5 out of 5 stars5/5
Mar 9, 2025
Hi, my name is Edward Hadley. My credit was deeply a mess. I saw a few people praising PINNACLE CREDIT SPECIALIST. So, I got in touch with him immediately and he hinted me up with some few details, and increased my credit score to (TransUnion 794, Equifax 790, Experian 791) within 15 days. I had some Charge off, medical bills, credit card debt of $8k and inquiries which have been wiped off by Pinnacle Credit Specialist. I genuinely recommend him as the best credit specialist.
