Emili’s credit was keeping her from achieving her financial goals. Similarly to many people who come through our platform, she was what we call credit invisible. Due to her insufficient credit history, she couldn’t generate credit scores with the bureaus, initially.
Through the Success Plan created for her by her nonprofit credit counselor, Emili received the tools and education she needed to achieve positive results. While Emili had tasks to complete on her own, her credit counselor also helped her challenge the negative information on her credit report while educating her on how to use credit responsibly.

The days of Emili having an insufficient credit history are over! She now knows her goals are within reach and she has the knowledge to help her achieve them.
“How quickly can I fix an insufficient credit history on the CredEvolv platform?”
Now is the best time to start the process of improving your credit. Try to ignore 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 happen instantly. Typically, our clients reach their credit goals and loan readiness in an average of 3 to 5 months. This was Emili’s 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 handle ethically and effectively.
Once this has all happened, you might see results similar to Emili’s. So why not give CredEvolv a try? You might be pleasantly surprised by the outcome!
Read more credit success stories here.