A Clean Sweep for a Strong Comeback

Client Overview

  • Client:

    Robert G.

  • Services:

    Credit Repair

  • Date:

    Early 2023

  • Initial Credit Status:

    ● Scores were sitting in the high 500s to low 580s
    ● Dozens of hard inquiries are hurting approval chances
    ● A late payment reported only by Equifax Bureaus Involved: Equifax, TransUnion, Experian

Client's Goal

Robert came in frustrated. He’d been denied multiple times and felt stuck. His main focus was getting rid of the excessive inquiries and having the late payment corrected, especially since it wasn’t showing up on the other two bureaus. He wanted his reports to reflect the work he was already doing to turn things around.

Our Strategy

We kicked things off with a heavy focus on inquiry removal and correcting the inaccurate late payment reported only by Equifax. Since the other two bureaus weren’t reporting the same late mark, we used that to challenge its accuracy and pushed Equifax to either verify or remove it. They couldn’t verify, and it was updated to positive status.

The first round of disputes led to some stall responses, but instead of backing down, we addressed them head-on. By Round 2, we saw major movement: 45 hard inquiries were deleted, and the late payment was corrected. The scores jumped significantly, especially on Equifax, which gained 53 points on its own.

Even with this early success, we kept going. Robert still had a few charge-off accounts left to deal with, so we continued the dispute process. His overall increase was more than just these numbers, and he has already gained 70+ points since starting.

Progress Update (as of 04/27/2023)

Equifax: 632 (⬆️ +53 points)

TransUnion: 633 (⬆️ +15 points)

Experian: 609 (⬆️ +25 points)

Update Summary:

45 hard inquiries deleted

1 late payment updated to positive

🚫 No new negatives

Personal Note

Robert’s results didn’t come from luck. It took two solid rounds of factual disputes, staying firm through stall letters, and pushing when it counted. He stayed in communication, trusted the strategy, and now he’s seeing the payoff. We're still cleaning things up, but his progress so far already speaks volumes.

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