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.