When Erin T. first joined the program, she had one goal in mind: to buy a home. Like many others, she believed that dream might be years away due to her credit standing. With a starting credit score of 576 and multiple collection accounts weighing down her report, Erin was facing barriers that felt insurmountable.
But instead of giving up, she chose to move forward – with support, strategy, and the right guidance.
Rather than feel overwhelmed, Erin leaned into the process. Over the course of just four sessions, she worked side-by-side with a credit counselor to identify the steps that would make the biggest impact. Together, they focused on accuracy, strategy, and forward motion. One by one, those four collection accounts were removed from her report – opening the door to meaningful change.
As those negative marks came off, Erin’s credit score began to climb – first from 576 to 590, then again to 593. A 17-point increase may not seem massive to some, but for someone working toward a specific goal like homeownership, it can be the difference between waiting and moving forward with confidence.
And that dream? It’s now becoming reality.
“I’m so excited about my progress. We actually were preapproved to buy a home and should be closing in the next week or two,” Erin said.
That moment – when someone no longer needs ongoing support because they’ve achieved their goal and gained lasting financial confidence – is what this work is all about.
Erin’s story isn’t just about the numbers. It’s about persistence, accountability, and being willing to take the next right step, even when the big picture feels far away. Her experience shows that meaningful change doesn’t always require years – just the right actions at the right time, backed by expert support.
Now, Erin is preparing to close on her home, a milestone that once felt out of reach.
Her journey is a powerful reminder of what can happen when someone takes that first step, stays committed, and partners with people who are invested in their success.
And for others who are facing similar challenges – we’re here for you, too.
If you’re struggling with credit, unsure where to start, or just need a roadmap to reach your goals, our team is ready to help. Whether your dream is to buy a home, secure a better loan, or simply feel confident about your financial future, our credit counselors are here to guide you with personalized support and encouragement every step of the way.
You don’t have to figure it out alone. Just like Erin, you can move forward – and we’ll be right here to help you do it.