Credit Successes

When it comes to debt payments, it’s pretty cut and dry:

Late payments are bad and can kill your credit score. On-time payments are good and can pave the way to your financial goals.

Stacey C. came to CredEvolv with some past issues and plenty of future potential. She quickly realized that the former weren’t insurmountable, and the latter could be realized with a little legwork and discipline.

With a 518 credit score, Stacey C. needed help to reach her lender’s minimum score of 620 to qualify for a home loan. We connected her with a HUD-approved, nonprofit credit counselor, who successfully removed 7 late payments from her credit report while helping her create a budget to ensure on-time payments on all her accounts. Ten months later, her score rose to 604, and she continues to work toward becoming mortgage-ready and reaching her personal goal of 640.

Why are on-time payments so important?

Your payment history is the single biggest factor in determining your credit score, accounting for about 35% of it. That’s why making on-time payments is non-negotiable if you want to improve your credit.

• Set reminders for yourself. Use calendar alerts, apps, or automatic payments to ensure you never miss a due date.
• Adopt the mindset that a little is better than nothing. If you’re unable to pay your full balance, at least make the minimum payment. This protects your credit score and helps you avoid late fees. Missing a payment should not be an option.
• Know your due dates. If multiple payments feel overwhelming, contact your lenders to align due dates closer together.

Consistency is key. Every on-time payment builds a positive credit history. Over time, your effort can significantly boost your score.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report.

This gives you the best chance of improving your credit by removing anything that doesn’t belong – and making progress toward a credit score goal like Stacey did!

Read more credit success stories here!

What seems simple to one person might be completely baffling to another. Sometimes, when it comes to credit, a little knowledge is all it takes to send a person’s credit score in the right direction.

Austin M. gained some through CredEvolv. Now he’s moving toward achieving his financial goals.

Austin had a 489 credit score and no idea how to use a credit card. The counselor he connected with on our platform helped him open a new credit card account, showed him how to budget for the card, and stressed the importance of making on-time payments. As several collections came off his credit report, Austin’s score rose to 577 in 7 months, closing in on his mortgage lender’s target score of 620 and his personal goal of 680!

Why are on-time payments so important?

Your payment history is the single biggest factor in determining your credit score, accounting for about 35% of it. That’s why making on-time payments is non-negotiable if you want to improve your credit.

• Set reminders for yourself. Use calendar alerts, apps, or automatic payments to ensure you never miss a due date.
• Adopt the mindset that a little is better than nothing. If you’re unable to pay your full balance, at least make the minimum payment. This protects your credit score and helps you avoid late fees. Missing a payment should not be an option.
• Know your due dates. If multiple payments feel overwhelming, contact your lenders to align due dates closer together.

Consistency is key. Every on-time payment builds a positive credit history. Over time, your effort can significantly boost your score.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report.

This gives you the best chance of improving your credit by removing anything that doesn’t belong – and making progress toward a credit score goal like Austin did!

Read more credit success stories here!

It seems counterintuitive, but if done correctly, adding more debt can actually improve your credit score. The same can happen when negative information comes off your credit report. That, of course, seems more obvious.

Combined with a slow, methodical approach, both of these tactics did the trick for CredEvolv client Laura H.!

Laura came to the CredEvolv platform with 609 credit score. She established two new tradelines while her credit counselor coached her on how to use them. Her counselor also had several negative accounts removed from her credit report. Laura stuck with her success plan for 13 months and voila! She achieved a 699 credit score and her lender submitted her home loan application to underwriting.

What is a tradeline on a credit report?

A tradeline is an industry term for a credit account that a lender reports to a credit bureau. Each credit account has its own tradeline, which includes information about the account, the creditor, and the type of credit, such as the account balance, payment history, and account status.

A person can have multiple tradelines on their credit report, one for each credit account in their name. Credit bureaus use tradelines to calculate a borrower’s credit score and assess their creditworthiness. Adding tradelines can have a positive effect on your credit score by way of improved credit history, payment history, credit utilization, and more.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report.

This gives you the best chance of improving your credit by removing anything that doesn’t belong – and making progress toward a mortgage like Laura did!

Read more credit success stories here!

It’s a simple fact of life: if you want to own a home and don’t have the cash to buy it outright, you need a mortgage. Here’s another fact of life: to be approved for a home loan, your credit score must be at or above your lender’s minimum level.

Fortunately, yet another fact of life is that most things are possible with a little help and effort. Just ask Keila S.!

Keila joined the CredEvolv platform with a 532 credit score. Her goal was to reach the minimum score of 620 required to qualify for a mortgage. The nonprofit credit counselor we connected her with had three collections accounts deleted from her report. Meanwhile, Keila paid down her credit cards and established new tradelines.

In five months, her score rose to 627, enough to make a home loan possible!

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 the impact on your 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 considered good and indicates you have a manageable level of debt.
• 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 that you’re at risk of becoming overwhelmed by debt.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report. This gives you the best chance of improving your credit by removing anything that doesn’t belong.

What is a tradeline on a credit report?

A tradeline is an industry term for a credit account that a lender reports to a credit bureau. Each credit account has its own tradeline, which includes information about the account, the creditor, and the type of credit, such as the account balance, payment history, and account status.

A person can have multiple tradelines on their credit report, one for each credit account in their name. Credit bureaus use tradelines to calculate a borrower’s credit score and assess their creditworthiness.

As Keila’s story shows, good credit begins with having credit. Partnering with a reputable credit counselor on the CredEvolv platform – someone who can counsel you about opening tradelines that benefit you – is how you can surpass your own credit score goals.

Read more credit success stories here!

Not everyone comes to CredEvolv with multiple late payments, collections, and other derogatory information on their credit report. In some cases, a high debt-to-income ratio (DTI) and no plan to reduce it causes their low credit score.

That was Lynne S.’s situation – but not for long!

When she enrolled with us, Lynne had a 532 credit score and a desire to get to 700. The counselor she connected with on our platform created a budget for her to pay down her credit card balances.

In only three months, her score shot up 116 points to 648, putting her beyond the minimum score to qualify for a mortgage and within reach of her ultimate goal!

Why does DTI matter when you’re trying to get a loan?

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 indicates you have a manageable level of debt.
• 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 that you’re at risk of becoming overwhelmed by debt.

Should you try to fix your credit yourself?

As we’ve pointed out in previous CredEvolv success stories, and as Lynne’s story illustrates, the collaboration between our clients and the counselors we connect them with on our platform is the key to success. That’s why we never recommend attempting your own credit fixes. There are many ways you can mess things up when you try to clear your own credit record.

Improving your credit isn’t rocket science. It’s also one of those things that is best left to the experts. Specifically, the HUD-certified credit counselors on our platform. That’s because:

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

They’re here to coach you to success and show you the responsible credit practices that can improve your life. These improvements occur while you’re enrolled in the program, and they can remain for years to come after you’ve achieved the credit score you want and deserve.

Lynne is living proof of that!

Read more credit success stories here!

Sometimes you get so close to a goal that you’re not even disappointed. In fact, you’re inspired to keep going because of all the progress you’ve made.

That would describe CredEvolv client John S.

John came to us with a credit score of 554. He needed to improve it to 620 to qualify for a mortgage, but set a personal goal of 650. He paid down his credit card balances and his counselor had some collections accounts removed from his credit report.

Eight months later, he ended up with a 94-point credit score increase. That put him on the verge of achieving his goal with a 648 score!

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 the impact on your 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 considered good and indicates you have a manageable level of debt.
• 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 that you’re at risk of becoming overwhelmed by debt.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report. This gives you the best chance of improving your credit by removing anything that doesn’t belong.

In John’s case, collection removals and a lower DTI put him two points away from his personal goal when he started on the CredEvolv platform. That’s what we call a winning combination!

Read more credit success stories here.

Your credit report should have less of what doesn’t belong and more of what does. That’s how to achieve a better credit score.

This time-tested winning formula worked for Javonte H.

Javonte started on the CredEvolv platform with a 542 credit score. He had an insufficient credit history and some collections accounts on his report. His credit counselor had three of those accounts removed and he established a new line of credit. In 3 months, this boosted his score to 638, exceeding his mortgage lender’s target score of 620 and putting him well on his way to his personal goal of 700!

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score. They are trained to spot errors and unfair practices on your report. This gives you the best chance of improving your credit by removing anything that doesn’t belong.

How quickly can I see results on the CredEvolv platform?

Now is the best time to start the process of improving your credit. No matter what Google or the for-profit credit repair guys tell you, it takes a little time for your credit score to go up. It doesn’t always happen overnight.

Some of our clients see significant improvement after one month. Others like Javonte reach their credit goals and loan readiness in an average of 3 to 5 months, which is a more typical timeframe.

Depending on your individual situation, you may need services like dispute resolution, budget analysis, debt-to-income ratio analysis, payment negotiations, credit card or loan payoffs (or not), and more. These are things that only a HUD-certified nonprofit credit counselor on our platform will know how to deal with effectively.

Once a counselor handles these things for you, results similar to Javonte’s could happen for you!

Read more credit success stories here!

Like any other type of loan, there’s a minimum credit score you need for a mortgage approval. If you can exceed that number, even better.

Brandon A. went for the “even better” result.

Like many others who enroll in the CredEvolv program, Brandon wanted to reach the minimum 620 credit score to qualify for a mortgage. His counselor had several late payments and collection accounts removed from his credit report. This helped Brandon achieve his goal and then some, turning his original 521 score into a 646!

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally come off your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score. They are trained to spot errors and unfair practices on your report. This gives you the best chance of improving your credit by removing anything that doesn’t belong.

In Brandon’s case, the legitimate removal of several collections accounts from his credit report meant the difference between simply achieving the minimum credit score required for a mortgage and increasing his chances of approval by surpassing it. Outstanding job, Brandon!

Read more credit success stories here.

Some significant credit score improvements happen quickly. Others occur more slowly over time. The important thing is that they eventually happen.

They usually do when CredEvolv gets involved. They certainly did for Sean B. – and fast!

Sean needed a minimum 620 credit score to qualify for a mortgage. He enrolled in our platform with a 501 score. His counselor had a collection account removed from his credit report, and only a month later, his score shot up 98 points to 599! He’s well on his way to crushing the minimum mortgage score and reaching his personal goal of 760!

What are collections on a credit report?

We answered this question in a previous success story, but here’s a refresher:

A collections account happens if you fall behind on payments. The lender or creditor can decide to transfer your account to a collection agency. They can also sell it to a debt buyer.

This can occur anytime from the date you begin missing payments or not paying the full minimum payment to a few months after you become delinquent. Lenders and creditors will usually send you letters or call you regarding the debt before sending to a collection agency. 

“How quickly can I see results on the CredEvolv platform?”

Now is the best time to start the process of improving your credit. Forget what Google or the for-profit credit repair guys tell you. It takes a little time for your credit score to go up, and it doesn’t always happen overnight.

Some people see significant improvement after one month on the CredEvolv platform like Sean did. Typically, our clients reach their credit goals and loan readiness in an average of 3 to 5 months.

Depending on your individual situation, you may need services like dispute resolution, budget analysis, debt-to-income ratio analysis, payment negotiations, credit card or loan payoffs (or not), and more. These are things that only a HUD-certified nonprofit credit counselor on our platform will know how to deal with ethically and effectively.

Once they handle all of that for you, who knows? You might see results similar to Sean’s. So give CredEvolv a shot. You might be amazed by what happens next!

Read more credit success stories here.

Goals are good. Achieving them is better. Exceeding them is the best!

Just ask Cesar F.

Cesar came to us with a 557 credit score. He needed to improve it to 620 to qualify for a mortgage but set a personal goal of 650. He paid down his credit card balances, his counselor had two collections removed from his credit report, and he ended up exceeding his goal with a 655 score!

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 the impact on your 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 considered good and indicates you have a manageable level of debt.
• 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 that you’re at risk of becoming overwhelmed by debt.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally be removed from your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. Let’s say you missed a payment or defaulted on a loan in the past. That information can legally stay on your report for up to seven years. Bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report, giving you the best chance of improving your credit by removing anything that doesn’t belong.

In Cesar’s case, the legitimate removal of two collections accounts from his credit report meant the difference between simply achieving his initial credit score goal and surpassing it. Go Cesar!

Read more credit success stories here.

Buying a home is one of the most, if not the most, significant purchases a person will ever make. Most people can’t afford to pay cash for real estate. Others prefer to invest that large sum of money elsewhere. So they decide to borrow the money.

To do that, they need healthy credit. That’s why Ryon R. came to us for help.

Ryon needed a credit score higher than 552 to secure a home loan. We connected him with a certified, nonprofit credit counselor, who was able to remove four collections accounts from his credit report. Only four months later, his score shot up to 661 and into his mortgage lender’s approval zone!

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

As we discussed in one of our Credit Education blogs, it’s important to know what you can legally remove from your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

Unfortunately, there’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. This simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years. Other negative events like bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report. What the certified, nonprofit counselors on our platform can do, however, is help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report. This gives you the best chance of improving your credit by removing anything that doesn’t belong.

In Ryon’s case, the legitimate removal of four collections accounts from his credit report meant the difference between being approved or denied for a mortgage. That was huge for him, and it can be for you, too.

Read more credit success stories here.

To have good credit, you have to pay back the money you borrowed. You also have to make those payments on time, every time, and not go overboard with your balances.

When Jose came to us, his credit score was 630. As he paid down his credit card balances, his credit counselor was able to remove a few late payments from his credit report. This combined effort catapulted his score to 740 in 7 months, leaving his personal goal of 680 in the dust!

Jose V. learned these things on the CredEvolv platform. Lo and behold, his credit score improved considerably.

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

As we discussed in one of our Credit Education blogs, it’s important to know what can legally be removed from your credit report and what must remain. Here’s the truth: Better credit is not about erasing your financial past. It’s about correcting inaccuracies and improving your credit going forward.

There’s a lot of misinformation out there. Some so-called credit repair companies claim they can remove all derogatory information from your credit report. But this simply isn’t true. In fact, it’s illegal to remove accurate information, even if it’s negative.

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report accurate, verifiable information. If you missed a payment or defaulted on a loan, for instance, that information can legally stay on your report for up to seven years, and bankruptcies can remain for up to 10 years.

At CredEvolv, we want to set the record straight: no one can legally remove accurate, negative information from your credit report.

Here’s what the certified, nonprofit counselors on our platform can do. They can help you dispute any inaccuracies or outdated information that may be hurting your score unfairly. They are trained to spot errors and unfair practices on your report. This gives you the best chance of improving your credit by removing anything that doesn’t belong.

This approach worked for Jose and countless others who came to CredEvolv for help. It can work for you too!

Read more credit success stories here.