When Arturo B. was connected to CredEvolv by his loan officer at Homestead Funding, he knew it was time to take a serious look at his credit. He was eager to qualify for a home loan – but his credit reports showed that he wasn’t going to qualify.
With several charge-offs, a number of inquiries, and frozen files on some credit bureaus, Arturo’s profile needed work. But what he had going for him was even more important: a willingness to start, and a team ready to guide him.
That’s where his credit counselor stepped in – offering one-on-one support, a custom credit improvement plan, and consistent encouragement.
A Challenging Start, But a Clear Plan
When Arturo began his credit journey, not all of his credit scores were available due to temporary freezes on his reports. But rather than waiting for everything to be perfect, he got to work.
With guidance from his counselor, Arturo focused on the steps he could take right away:
- Uploading credit bureau letters and verification codes
- Reviewing and disputing charge-offs and negative items
- Paying down credit card balances to lower utilization
- Staying in regular communication with his counselor
Progress wasn’t instant, but Arturo didn’t let that discourage him. He followed the plan, stayed consistent, and trusted the process. That dedication laid the foundation for everything that came next.
Real Progress Through Smart Steps
Over time, Arturo began to see the results of his hard work.
- Collections were deleted.
- Credit card limits were increased.
- He was added as an authorized user on positive accounts.
- And most importantly, his credit utilization dropped from 24% to just 1% – a powerful factor in any credit score.
- His counselor also helped him address multiple disputes and remove harmful inquiries, even when new ones were added along the way.
Despite the ups and downs, Arturo stayed focused.
Arturo’s Final Credit Scores
- Equifax: 666 (+99 points)
- TransUnion: 622 (+55 points)
- Experian: 660 (+77 points)
These weren’t just numbers – they were milestones. Arturo’s middle score rose by 77 points, moving him from limited loan options to a position of strength.
That increase helped him reach one of his biggest goals: getting pre-approved for a home loan.
A Credit Journey That Opened New Doors
Arturo’s story is one of quiet determination. He didn’t let a rough starting point stop him from pursuing his goal. With expert guidance and a steady plan, he turned credit challenges into a clean slate – and a pre-approval for the home he’s been working toward.
If you’re in a similar spot, let Arturo’s journey remind you: with the right help, the right habits, and the courage to start, a stronger credit future is absolutely possible.