Turning the Corner with Consistency and Smart Moves
Client Overview
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Client:
Daniella S.
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Services:
Credit Repair
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Date:
Early 2024
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Initial Credit Status:
● Mid-500s across all three bureaus
● Multiple charge-off accounts and collections
● High credit card utilization Bureaus Involved: Equifax, TransUnion, Experian
Client's Goal
Daniella wanted a way out of the cycle of being denied for financing, not because of overspending, but because of derogatory accounts. She wanted to take back control, rebuild trust with lenders, and finally see a score that matched her effort.
Our Strategy
I took a two-part approach. First, we performed a full audit of Daniella’s reports and immediately began working to challenge outdated and incorrect charge-off and collection accounts through factual disputes. With the right documentation and proper use of FCRA guidelines, 12 derogatory items were removed from her reports during the dispute process.
At the same time, Daniella was fully on board with our credit utilization strategy. She is committed to paying down her revolving balances (especially some of her credit cards that were nearly maxed out). We guided her on which cards to target first and how to time their payments to align with reporting cycles. Small actions that can make a big difference when done right.
Progress Update (as of 06/10/2022)
In just about 4 months, Daniella’s credit report saw major progress. Here's where they stood as of the latest update:
Equifax: 701 (⬆️ +128 points)
TransUnion: 710 (⬆️ +134 points)
Experian: 701 (⬆️ +128 points)
Update Summary:
✅ 12 negative accounts removed
🚫 0 added, 0 new negatives
📉 Credit card utilization has been reduced to under 10% and some have been paid down in full.
I'm incredibly proud of how far Daniella has come, and even more excited about what’s still ahead.
Personal Note
Daniella’s journey reminds us that credit repair isn't magic, but it’s a mix of smart strategy and showing up consistently. This wasn’t overnight. It took patience, clear guidance, and Daniella being open to learning and following the steps we laid out. These results were hard-earned and fully deserved.
Ready to Fix Your Credit? Take the First Step Today
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