From One Late Payment to a Full Turnaround
Client Overview
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Client:
Sarah R.
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Services:
Credit Repair
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Date:
September 15, 2024
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Initial Credit Status:
● Credit scores were just above 600 with all three bureaus
● One recent late payment on an open account
● Some collections and many hard inquiries
● Bureaus Involved: Equifax, TransUnion, Experian
Client's Goal
Sarah wanted to finally get rid of the negative marks that were keeping her stuck in the low 600s. She had been working hard to manage her credit, and her goal was simple: correct the wrong information, rebuild her score, and prepare for long-term goals like better loan approval and eventually a home.
My Strategy
We began by focusing on the most harmful item — the late payment showing on all three credit bureaus. By November, we successfully got Equifax and Experian to update that account to positive standing. We then used those two results to challenge TransUnion, which also removed the late mark in December.
Once the late payment was cleared across all three bureaus, Sarah’s scores jumped into the high 600s. That shift gave us momentum to move forward. We continued working on older collection accounts and inquiries over the next two months.
By March, we reached another milestone: 8 more negative items deleted, helping her break into the mid-700s on all three bureaus.
Progress Update (as of 07/25/2024)
Equifax: 750 (⬆️ +117 points since start)
Experian: 767 (⬆️ +136 points since start)
TransUnion: 748 (⬆️ +115 points since start)
Update Summary:
✅ 8 items deleted in this round
🚫 0 new negative items
➕ 1 new account added
Personal Note
Sarah’s case shows how powerful even one correction can be. Once that late payment was updated, everything started to move in the right direction. She stayed patient, trusted the process, and let each round of results build on the last. Now she’s sitting strong in the mid-700s, and we’re proud of the consistent progress she’s made.
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