Credit Successes

When it comes to unlocking financial opportunities, your credit score plays a powerful role. For Jose, getting approved for a Home Equity Line of Credit (HELOC) meant improving his credit score from 630 to 680 or higher. Thanks to strategic changes and the right guidance, he didn’t just meet that goal – he surpassed it, reaching an impressive 740 in just seven months.

Jose’s story is a great example of how realistic and effective credit rebuilding can be when you’re committed and supported by professionals. It also highlights how even a few targeted actions can make a huge difference.

What Held Him Back

Like many people, Jose had one recent late payment on his credit report. While it might not seem like a major issue, a single late payment can have a significant negative impact – especially if you’re already hovering in the low 600s. Late payments stay on your credit report for up to seven years and can hurt your chances of getting approved for loans, credit cards, or a HELOC.

In addition, Jose’s credit card utilization – the amount of available credit he was using – was sitting at 58%. Experts recommend keeping this number below 30% to show lenders that you can manage credit responsibly. High utilization signals risk, which can drag down your credit score.

What Changed

Working with a nonprofit credit counselor, Jose followed a customized action plan designed to rebuild his credit. His plan focused on two critical changes:

• Removing the late payment: Through the help of his counselor and documentation support, the recent late payment was successfully removed. This step alone helped raise his score and clear a major red flag from his credit history.
  
• Lowering credit card balances: Jose focused on paying down his credit card debt, reducing his utilization rate from 58% to 46%. While still above the ideal 30%, this improvement helped demonstrate progress – and credit scoring models rewarded him accordingly.

The Result

By July 2024, Jose’s mid-score had jumped from 630 to 740 – a 110-point increase in just seven months. This positioned him not only to qualify for the HELOC he needed, but to do so with much better terms. A higher credit score often means lower interest rates, higher approval amounts, and more financial flexibility.

Why It Matters

Jose’s story proves that credit rebuilding companies that offer personalized, nonprofit support can deliver real results – without gimmicks or empty promises. Unlike the worst credit repair companies that may try to “sweep” your report illegally or charge hidden fees, ethical credit solutions focus on long-term, sustainable changes.

If you’re wondering how credit repair companies remove negative items, the truth is: the good ones don’t “remove” anything illegally. They help you verify the accuracy of your report and dispute errors the right way. They also empower you to make smarter financial choices – like paying down debt and avoiding future late payments.

Ready to Start?

Whether you’ve been denied a loan, are trying to qualify for a HELOC, or just want to stop living with poor credit, our platform connects you with experienced nonprofit credit counselors who know how to help. Credit rebuilding doesn’t have to be scary or expensive – it just has to be smart.

When Joseph L. enrolled in CredEvolv’s nonprofit credit counseling program, he had one clear goal: to refinance his home and secure a better interest rate. But his credit report was standing in the way. With a mid credit score of 676 in December 2023, Joseph was just shy of the 720 score needed to access top-tier refinancing offers.

What made Joseph’s situation even more challenging were the two charge-offs and seven late payments showing on his credit report – significant derogatory marks that can drag down credit scores and limit loan options. These negative items, combined with inconsistent credit utilization patterns, made it difficult for him to move forward on his own.

The Power of Personalized Credit Counseling

That’s where CredEvolv stepped in. Unlike traditional credit repair companies that often rely on questionable tactics like illegal credit sweeps, CredEvolv connects consumers with HUD-certified nonprofit credit counselors who create personalized, ethical, and effective credit rebuilding plans.

Joseph’s counselor worked closely with him to review his credit report, understand his financial history, and develop a plan to clean up his credit the right way. Together, they tackled the charge-offs and addressed the late payments by working with creditors and submitting proper documentation. Joseph also committed to building stronger financial habits – automating payments, lowering his credit utilization, and tracking his progress through the CredEvolv platform.

Real Credit Score Gains, Real Results

By November 2024 – just 11 months later – Joseph’s mid score had climbed from 676 to 702, marking a 26-point improvement. While the number itself may seem small, this increase reflects a significant cleanup of his credit profile. Removing two charge-offs and seven late payments not only helped Joseph’s score, but also boosted his overall creditworthiness in the eyes of lenders.

This wasn’t the result of a quick fix or a credit “hack.” Joseph made meaningful changes, followed a plan, and partnered with a nonprofit credit repair company focused on real solutions – not gimmicks.

Ethical Credit Repair That Works

Joseph’s story is proof that credit rebuilding is possible, even when the odds seem stacked against you. Whether you’re dealing with derogatory marks like charge-offs and late payments, or you’re simply unsure how to qualify for a refinance or mortgage, CredEvolv offers a trusted, legal, and supportive path forward.

We’re not like the worst credit repair companies that promise results without substance. We’re a mission-driven platform committed to helping people build a better financial future – one step at a time.If you’ve ever wondered how to remove negative items from your credit report, Joseph’s journey shows that with the right support, it’s absolutely possible.

Ready to write your own credit success story?

Connect with a nonprofit credit counselor today and get started on the path toward lower rates, more approvals, and long-term financial peace.

When Kelley joined CredEvolv in October 2023, she didn’t have a credit score at all. Like millions of Americans who are considered “credit invisible,” Kelley had no open lines of credit and no active accounts reporting to the bureaus.

That meant she couldn’t qualify for a mortgage, or even begin the conversation. But Kelley had a goal: to buy a home. And with the help of her nonprofit credit counselor and the right strategy, she made it happen. By April 2024 – just six months later – she had gone from having no credit score to achieving a mid score of 647, officially becoming mortgage-ready.

Why No Credit Can Be Just as Limiting as Bad Credit

One of the biggest myths about credit is that having no credit is better than having bad credit. Unfortunately, that’s not true in the eyes of lenders. Without a score, lenders can’t evaluate your creditworthiness at all. For Kelley, this meant being shut out of traditional financial products and the mortgage market.

Fortunately, Kelley’s counselor understood exactly what steps to take. As part of a certified nonprofit credit repair program, her counselor didn’t rely on shortcuts or gimmicks. Instead, they focused on building Kelley’s credit the right way – from the ground up.

How a Nonprofit Credit Counselor Helped Kelley Build Credit

The first step was helping Kelley open and responsibly use a line of credit. Many credit rebuilding companies push expensive credit builder loans or charge upfront fees, but Kelley’s counselor helped her choose an option that was low-cost and effective. She learned how to manage the new account, keep utilization low, and make on-time payments that would positively impact her score.

In addition, her counselor identified two inaccurate collection accounts on her credit report. Through a dispute process grounded in consumer rights and documentation, both accounts were deleted successfully.

This wasn’t a “credit sweep” or a fast-talking scheme. It was a legitimate, ethical process – one of the ways credit repair companies remove negative items when they follow the law and focus on accuracy.

The Power of Personalized Credit Coaching

Unlike traditional credit solution companies that take a one-size-fits-all approach, Kelley worked one-on-one with a dedicated counselor who guided her every step of the way. This kind of personalized support is why nonprofit credit repair companies are so effective. They’re not trying to sell quick fixes – they’re helping people create long-term change.

Today, Kelley is mortgage-ready with a score of 647 and a clear path forward. What started as a blank slate became a powerful credit foundation – one that could support not just homeownership, but long-term financial health.

Need help rebuilding your credit the right way?
Connect with a certified credit counselor and discover what you may qualify for.
No gimmicks. Just real solutions, backed by the power of expert support.

When Steve Chadwick came to CredEvolv in October 2023, he was determined to purchase a home. But like millions of people, his credit stood in the way. With a mid score of 633 and a goal to reach at least 680, Steve’s dream of homeownership seemed just out of reach.

What many people don’t realize is that it’s not just about having a credit score – it’s about having the right support, strategy, and structure to improve it. That’s exactly what Steve found when he joined CredEvolv’s credit counseling platform. Through a connection with a certified, nonprofit credit counselor, Steve was able to begin the real work of turning things around.

Over the course of just nine months, Steve raised his mid score by 44 points – ending at an impressive 677. But the score is only part of the story.

When his counselor pulled his initial credit report, Steve had 17 late payments showing across his accounts. Those marks were dragging his score down and making lenders wary. But with expert guidance and a tailored dispute strategy, his counselor helped him remove all 17 late payments – opening the door to a much cleaner credit profile.

Just as critical was Steve’s credit utilization. When he started, his balances were maxed out. His utilization rate was a shocking 327%, a number that virtually guarantees a low credit score. With help creating a realistic and sustainable monthly budget, Steve was able to steadily pay down his balances. By July 2024, he had brought his utilization all the way down to just 6% – a massive shift that played a key role in his score jump.

Steve’s journey is proof that credit transformation is possible – not just for the lucky few, but for anyone who’s willing to do the work and get the right support. Through our platform, clients like Steve get matched with nonprofit credit counselors who offer affordable, ethical, and proven strategies – not gimmicks, not scams, and not empty promises.

Whether you’re working toward homeownership, refinancing, or financial stability, CredEvolv gives you the tools and the team to help you move forward.

Want to see how you could improve your credit like Steve?

Schedule your free credit consultation today and take the first step.

When you’re working toward your goals – like buying a home – credit challenges can feel like a mountain standing in your way.

For Ana, a recent CredEvolv client, that mountain looked steep: a 585 credit score, a new collection account, and three suspicious inquiries weighing her down.

She wasn’t sure where to start. She just knew she couldn’t afford to stay stuck.

At CredEvolv, we believe that with the right guidance, no credit challenge is too big to overcome.
That’s why we quickly connected Ana with a certified, nonprofit credit counselor through our consumer credit solutions program — a trusted expert who could help her create a clear, personalized plan for rebuilding her credit.

Identifying the Root of the Problem

During her initial consultation, her credit counselor conducted a detailed review of her credit report. It was clear that the new collection account and three suspicious inquiries were doing serious damage to her score. These negative items weren’t just obstacles – they were preventing her from reaching the 620 minimum score required by her mortgage lender, and even her personal target of 660.

Together, they mapped out a path to recovery – one that would not only address the immediate problems, but also lay the foundation for strong, sustainable credit habits going forward.

Taking Action: Removing the Barriers

Through strategic work and careful documentation, her counselor helped her dispute the inaccuracies and remove the collection account and unauthorized inquiries from her credit report.

Each successful removal was a victory –  not just for her credit score, but for her confidence and financial future.

This proactive approach shows just how powerful having a skilled, nonprofit counselor by your side can be. Rather than guessing what steps to take, she had a proven roadmap and an expert partner guiding her every step of the way.

The Results: A Remarkable Transformation in Just 3 Months

The progress was fast –  and incredible.
Within just three months, her credit score soared from 585 to 711.

✅ She exceeded her mortgage lender’s goal of 620
✅ She surpassed her own personal goal of 660
✅ She opened the door to homeownership and financial stability

With a 126-point increase, she didn’t just bounce back –  she came back stronger than ever.

Why Personalized Credit Counseling Makes All the Difference

Her story is a powerful reminder that credit setbacks are not permanent.

With the right tools, the right plan, and the right support, financial goals that once felt out of reach become entirely possible.

At CredEvolv, we believe everyone deserves access to expert help – not just quick fixes, but real, lasting solutions.

Our nonprofit credit counselors don’t just address the symptoms of credit issues – they work alongside you to solve the root causes, empowering you to build stronger financial habits for life.

If you’re ready to start your own credit comeback, connect with a certified counselor today – or refer a client who needs help – and take the first step toward the future you deserve.

See more real credit success stories here.

Credit cards can be a useful tool for establishing credit and managing your finances. But if you rely on them too much, that’s how you can end up with a 480 credit score.

Corey B. learned this lesson. Then he learned how to turn things around with our help.

A 480 credit score caused Corey’s mortgage lender to connect him with a HUD-approved, nonprofit credit counselor on the CredEvolv platform. His counselor successfully removed 4 collections and 3 late payments from his credit report. Meanwhile, the budget they created together enabled Corey to reduce his credit utilization from 77% to 4%. The result: a 647 credit score in 8 months, beating his personal goal of 600 and his mortgage lender’s goal of 620!

Why are high credit card balances so bad?

Having a high utilization ratio can hurt your credit scores – even when you make the minimum required payments on time every month. It also makes it increasingly difficult to qualify for more credit. In addition to potentially causing a 480 credit score, high credit card balances can increase your debt-to-income ratio (DTI).

Lenders look at your DTI ratio to gauge how much of your income is already tied up in debt payments. A lower DTI signals to lenders that you have room in your budget to take on more debt without overextending yourself. On the other hand, a higher DTI might raise red flags, suggesting you could struggle to manage additional monthly payments.

In general:

• A DTI below 36% is good and shows you have a manageable debt level.
• A DTI between 36-49% is acceptable but may make it harder to qualify for some loans or the best interest rates.
• A DTI above 50% could limit your borrowing options and indicate a possibility of becoming overwhelmed by debt.

“Should I try to fix my 480 credit score myself?”

The collaboration between our clients and the counselors we connect them with on our platform is incredibly valuable. That’s why we try to steer you away from DIYing your own credit fixes. There are many mistakes you can make when you try to fix your credit yourself.

Flying solo while trying to improve your credit isn’t impossible. But it’s a lot easier when you have experts in your corner. Specifically, the credit counselors on our platform. That’s because:

• They know what they’re doing.
• They have your best interest at heart.
• They’re not trying to keep you in a program for longer than you need to be.
• They’re not looking to make a profit off your hard times.

They’re here to coach you to success and teach you the responsible credit practices that can improve your life. You’ll notice the benefits while you’re enrolled in the program, More importantly, you can enjoy them for years after you’ve achieved the credit score you want and deserve.

Read more credit success stories here.

Credit scores are comprised of three digits. If you can achieve a three-digit increase in a 435 credit score, you’re making amazing progress.

Joseph R. can confirm that firsthand!

Joseph had a 435 credit score and some collection accounts on his credit report when he enrolled in the CredEvolv platform. His personal credit counselor taught him how to create a budget so he could pay down his credit card balances. Meanwhile, the counselor challenged and successfully removed three collections. In 5 months, Joseph’s 435 credit score jumped to 613, exceeding his goal of 600 and closing in on his mortgage lender’s minimum of 620!

“What is credit utilization and how does it impact my 435 credit score?”

Credit utilization means the percentage of your available revolving credit that you’re currently using (this blog shows you how to calculate your utilization ratio). Because it makes up roughly 30% of your credit score, credit utilization is significant to a lender’s decision when you apply for a loan or credit card.

This ratio is how lenders gauge your ability to manage credit responsibly without relying on it excessively. A high credit utilization ratio may result in a rejection of your credit application. A low utilization ratio indicates that you’re less dependent on credit and can make it easier to receive loan approvals.

Try to keep your credit utilization ratio below 30%. Even better, keep it under 10%.

Even if you’re paying your bills on time, your credit score can still take a hit if your utilization is too high. But when you adhere to the aforementioned recommendations, your 435 credit score can jump like Joseph’s did!

“What can and can’t be removed from my credit report?”

One of our Credit Education blogs clarifies this common question. Here’s the answer again: improving your 435 credit score isn’t about deleting your financial past. It’s a matter of legitimately correcting inaccuracies and gaining better borrowing habits.

There are many myths about credit repair. Some companies advertise their ability to get rid of everything negative on your credit report. Unfortunately, that’s not a truthful claim. The fact is, removing valid negative information is against the law.

As outlined in the Fair Credit Reporting Act (FCRA), credit bureaus must maintain only verified, accurate information. If you’ve missed a payment or defaulted on a loan, those details can legally remain on your report for up to seven years. Bankruptcies, depending on what type they are, can stay for up to 10 years.

At CredEvolv, we want to make sure you’re aware that no company or individual can legally erase truthful negative items from your credit report. You should also know that the HUD-approved, nonprofit credit counselors on our platform have the expertise to effectively challenge inaccuracies or outdated details that may be unfairly damaging your 435 credit score.

Our counselor partners are well-versed in identifying erroneous and unfair credit reporting. When they look into these issues, they make sure your credit report contains only the information that should be there. This approach, not DIYing your own credit fixes, gives you the best chance of strengthening your credit profile.

Read more credit success stories here!

A 694 credit score isn’t the worst thing in the world. Far from it, in fact. But if something on your credit report was keeping you from a score in the 700s, would you try to fix it?

Bill S. did – and the result exceeded his expectations!

Bill had a 694 credit score when his real estate agent connected him to the CredEvolv platform. A pesky medical collection was preventing him from reaching his goal of a 740 score. His counselor worked to remove it while Bill continued his responsible credit usage. Six months later, Bill blew past his goal and achieved an 807 credit score, which set him up to receive the best possible interest rate on a mortgage and a smooth underwriting process!

What are collections on a credit report?

We answered this question in a previous success story, but here’s a refresher. A collections account can occur if you fall behind on loan or credit card payments. The lender or creditor may decide to transfer your account to a collection agency or sell it to a debt buyer.

This can happen anytime from the date you begin missing payments or stop paying the full minimum payment to a few months after you become delinquent. Lenders and creditors will typically attempt to reach you about the debt by phone and by mail before sending it to a collection agency. When that happens, it can jeopardize your attempts to achieve a 694 credit score.

What are some ways you can have a 694 credit score or higher?

No matter where you are in your credit journey, doing the right things with your credit can help you overcome poor credit habits and go from a 694 credit score to an 807 credit score like Bill did.

Here are a few of those things:

• Make payments on time, every time. Late payments can significantly damage your credit score and lead to costly fees.
• Pay more than the minimum whenever possible. This helps reduce interest costs and gets you out of debt faster. But if you can’t, see the previous bullet point. Don’t just avoid making the payment. Pay the minimum so you don’t sink your 694 credit score.
• Use credit strategically. Aim to keep your credit utilization below 30% of your total available credit.
• Avoid new debt unless absolutely necessary. Only take on new credit if it serves a purpose and aligns with your financial goals.

Read more credit success stories here, and enroll or connect a client today!

Having lofty goals for yourself is a good thing. Like wanting to add more than 150 points to your 587 credit score.

That’s where CredEvolv client Elizabeth O. set her sights, and she achieved another big win in the process.

Starting with a 587 credit score, Elizabeth came to CredEvolv with a personal goal of reaching 740. She connected with a HUD-approved, nonprofit counselor, who was able to remove 2 collections from her credit report. Together, they also created a budget that helped Elizabeth reduce her 87% credit card utilization to 38%. In 7 months, her 587 credit score climbed to 674, well on the way to her goal and high enough for her home loan application to be ready for underwriting!

What are collections on a credit report?

As we discussed in a previous success story, a collections account can occur if you fall behind on loan or credit card payments. The lender or creditor may decide to transfer your account to a collection agency or sell it to a debt buyer.

This can happen anytime from the date you begin missing payments (or stop paying the full minimum payment) to a period of time after you become delinquent (usually a few months). Typically, lenders and creditors will attempt to reach you by phone and by mail regarding the debt before sending it to a collection agency. 

“What is credit utilization and how does it impact my 587 credit score?”

Credit utilization refers to the percentage of your available revolving credit that you’re currently using. See how to calculate your utilization ratio in this blog.

Credit utilization makes up roughly 30% of your credit score. That’s why it’s so significant to a lender’s decision when you apply for a loan or credit card.

This ratio is how lenders determine whether you can manage credit responsibly without borrowing excessively. High credit utilization may prompt them to pass on granting you more credit. A low utilization ratio shows that you’re less reliant on credit and can improve your chances of receiving loan approvals.

Keeping your credit utilization ratio below 30% is a good idea. Keeping it under 10% is ideal for improving your 587 credit score.

Even if you’re paying your bills on time, your credit score can still take a hit if your utilization is too high. But when you stick to the recommendations above, your 587 credit score can jump like Elizabeth’s did!

Read more credit success stories here!

When you’re trying to boost your 553 credit score, it helps if you have a positive attitude. It also helps to have someone in your corner who knows how to deal with negative accounts on your credit report.

Jennifer M. benefitted from both in her quest to improve her credit and apply for a mortgage.

Jennifer came to CredEvolv determined to increase her 553 credit score. She connected with a HUD-approved, nonprofit counselor, who was able to remove 83% of the negative accounts on her credit report, including 7 collections. Meanwhile, she focused on reducing her credit card utilization to 13% from 24%. The result: a 697 credit score after 4 months and a home loan application ready for underwriting!

“What can and can’t be removed from my credit report?”

One of our Credit Education blogs answers this common question in depth. Here’s a summary: Improving your 553 credit score isn’t about making your financial past go away. It’s about correcting inaccuracies now and having better borrowing habits going forward.

Half-truths about credit repair are pervasive. Some companies claim they can delete every negative entry on your credit report. Unfortunately, that’s not how the system works. In reality, removing valid negative information is against the law.

Per the Fair Credit Reporting Act (FCRA), credit bureaus must maintain only verified, accurate information. If you’ve missed a payment or defaulted on a loan, those blemishes can legally remain on your report for up to seven years. Bankruptcies can stay for up to 10 years, depending on the type.

At CredEvolv, we want to make consumers aware that no company or individual has the legal ability to erase truthful negative items from your credit report. We also want to reiterate that the HUD-approved, nonprofit credit counselors on our platform can step in to challenge inaccuracies or outdated details that may be unfairly damaging your 553 credit score.

Our counselor partners know how to identify reporting errors and unfair practices. When they address these mistakes, they see to it that your credit report contains only the information that belongs there. This gives you the best chance of strengthening your credit profile.

“What is credit utilization and how does it impact my 553 credit score?”

Credit utilization is a term for the percentage of your available revolving credit that you’re currently using (you can learn how to calculate your utilization ratio in this blog). Credit utilization comprises roughly 30% of your credit score, so it’s significant to a lender’s decision to approve you for a loan.

This ratio is how lenders assess whether you can handle credit responsibly without relying too heavily on borrowing. If your credit utilization is too high, they may pass on approving you for more credit. A lower utilization ratio signals that you’re in control of your finances and can make loan approvals more likely.

Generally, you should try to keep your credit utilization ratio below 30%. Even better, strive to keep it under 10%.

Even if you’re making all of your payments on time, your credit score can suffer if your utilization is too high. But when your credit usage is in the sweet spot, your score can improve dramatically like Jennifer’s did!

Read more credit success stories here!

Pushing your credit cards to the limit is a recipe for a 519 credit score. Winston C. found himself in that situation and decided it was time for a change.

Winston enrolled in the CredEvolv platform with a goal to reach 640 from a 519 credit score. He connected with a certified, nonprofit counselor and got started.

Winston’s counselor was able to remove some late payments and collections from his credit report while he paid down his maxed out credit cards to 42% utilization. As a result, he’s currently at 604 and continuing to move forward.

“Should I try to improve my 519 credit score myself?”

The partnership between our clients and the credit counselors we connect them with is truly invaluable. That’s why we strongly advise against taking a do-it-yourself approach to credit repair. Countless pitfalls can derail your efforts to clean up your credit history.

Fixing a 519 credit score isn’t an impossible task, but it’s one that benefits from professional guidance. Specifically, the reputable, expert credit counselors on our platform. Here’s why:

• They have the knowledge and experience to navigate the complexities of credit improvement.
• Their goal is to help you, not keep you stuck in a program longer than necessary.
• They’re dedicated to your success, not making a profit off your challenges.

CredEvolv’s counselor partners are here to equip you with the skills and strategies needed to improve your 519 credit score. This knowledge will help you during the program and, most importantly, long after you’ve reached the credit score you deserve.

What is credit utilization?

Credit utilization refers to the percentage of your available credit that you’re currently using across your revolving credit accounts (check out this blog to learn how to calculate your utilization ratio). Since credit utilization accounts for roughly 30% of your credit score, it’s a key factor in the decision to approve you for a loan.

Lenders want to see that you can handle credit responsibly without relying too heavily on borrowing. A lower utilization ratio signals that you’re in control of your finances. On the other hand, if your credit utilization is too high, lenders may be reluctant to extend more credit. That can also contribute to a 519 credit score or lower.

As a general rule, aim to keep your credit utilization below 30%. For the best results, keep it under 10%.

If your utilization is too high, your credit score can take a hit, even if you’re making on-time payments. But when you bring it down into the optimal range, your 519 credit score can soar like Winston’s did!

Read more credit success stories here!

It’s super encouraging when you can bump up the first number in your 609 credit score a notch or two. CredEvolv client Eric S. can certainly attest to that!

Eric came to the CredEvolv platform with a 609 credit score, just shy of his mortgage lender’s minimum of 620 to qualify for a mortgage. The HUD-approved, nonprofit counselor he connected with went to work and removed a charge-off plus some late auto loan payments from Eric’s credit report. Eric quickly surpassed 620 and left his personal goal of 680 in the dust as well. That inspired him to keep going and cross over into the 700s with a 707 score after 13 months!

What can and can’t be removed from my credit report?

This is a question we’ve answered in one of our Credit Education blogs. It helps to understand which items can legally be removed from your credit report and which must stay. The truth is, improving a 609 credit score isn’t about erasing your financial past. It’s about fixing inaccuracies and making better financial choices moving forward.

Misinformation about credit repair is everywhere. Some companies claim they can remove all negative marks from your credit history. The system doesn’t work that way. In fact, removing valid negative information is against the law.

The Fair Credit Reporting Act (FCRA) mandates that credit bureaus maintain only verified, accurate information. If you’ve missed a payment or defaulted on a loan, that record can legally remain on your report for up to seven years. Bankruptcies, depending on the type, may stay on your file for up to 10 years.

At CredEvolv, we want to be clear: no company or individual has the legal ability to erase truthful negative items from your credit report. However, the certified, nonprofit credit counselors available through our platform can help you challenge inaccuracies or outdated details that may be unfairly causing your 609 credit score.

Our counselor partners are trained to identify reporting errors and unfair practices. By addressing mistakes, they help ensure your credit report reflects only what truly belongs there. That’s how you can have the best chance to strengthen your credit profile.

How long does it take to raise your 609 credit score 100 points?

The average CredEvolv customer sees a 53-point increase in 3 to 5 months. But a 98-point credit score increase in a little over a year shows what’s possible when a consumer and a counselor keep their eyes on the prize over the long haul.

In this case, Eric followed the counselor’s advice on how to manage his credit wisely. Meanwhile, the counselor worked to delete the charge-offs and late payments that were causing Eric’s 609 credit score.

As the saying goes, teamwork makes the dream work! And by “dream,” we mean putting Eric on the verge of a 100-point increase in his 609 credit score.

Read more credit success stories here!