Slow and Steady Progress That’s Starting to Pay Off
Client Overview
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Client:
Donnita J.
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Services:
Credit Repair
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Date:
March 6, 2022
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Initial Credit Status:
● Scores were deep in the 400s to low 500s
● Several late payments on federal student loans are being reported by all three bureaus Bureaus Involved: Equifax, TransUnion, Experian
Client's Goal
When Donnita reached out, she was feeling discouraged. Her credit scores had been weighed down by late payments that didn’t reflect her efforts to get back on track. She wasn’t looking for magic, she just wanted fairness and to finally see some movement in the right direction.
Our Strategy
From day one, we zeroed in on the biggest issue: student loan late payments. These were showing up across all three credit bureaus and holding her scores back. We launched a series of factual disputes and made sure everything was backed with evidence, timing, and logic.
It didn’t happen right away. It actually took four rounds of disputes before we saw a breakthrough — but when it came, it was worth it. Experian finally updated multiple late payments to positive status, giving us a solid result to leverage with the other bureaus.
With these updates in place, we’re now in a stronger position to go back to Equifax and TransUnion to argue that their reporting is now clearly inconsistent — and that they, too, must correct it.
Progress Update (as of 06/10/2022)
Equifax: 530 (⬆️ +37 points)
TransUnion: 603 (⬆️ +113 points)
Experian: 499 (⬆️ +19 points)
Update Summary:
✅ 11 late payments updated to positive
🚫 0 new negative items
➕ 2 accounts added
Personal Note
Donnita’s progress shows that sometimes the process takes time — but time isn’t wasted if you’re moving with a plan. She stayed patient, didn’t give up after the early rounds, and now has a real result to build on. This win with Experian opens the door for even more success with the other bureaus, and we’re just getting started.
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