When Ruben B. first connected with CredEvolv through, his loan officer with AnnieMac Home Mortgage in June 2024, he was feeling stuck, he was feeling stuck. Like many consumers hoping to buy a home, he knew his credit score was standing in the way – but he wasn’t quite sure how to fix it on his own.
At the time, Ruben’s credit scores were far from ideal:
- Equifax: 607
- TransUnion: 663
- Experian: 636
He had two collection accounts on his credit report and one late payment that continued to drag his score down. But instead of turning to a traditional credit repair company with big promises and little transparency, Ruben took a different route – one backed by nonprofit credit counselors and a clear plan of action.
He enrolled in the CredEvolv platform the very next day.
A Personalized Credit Solution
Ruben was paired with a credit counselor who didn’t just offer generic advice – she got to work on his specific situation. Together, they created a customized plan based on his financial goals, timelines, and credit profile. Within just a few sessions, they had already disputed and successfully removed two collection accounts and one inaccurate late payment.
With those negative items gone, Ruben had room to breathe – and to build. His counselor helped him understand how to optimize his credit utilization, stay on top of on-time payments, and establish strong credit habits that would last far beyond his time in the program.
The Results
Over the course of seven counseling sessions, Ruben made steady progress. By January 2025 – just 32 weeks after he enrolled – Ruben had officially reached his credit goal and achieved a 90-point credit score increase from where he started.
Even better, he didn’t just hit an arbitrary number. Ruben had set a personal goal of reaching the 720–739 credit score range – a milestone that could help him unlock lower interest rates, better mortgage offers, and a stronger financial future.
Now, he’s actively working with his loan officer to get preapproved for a mortgage – and he’s in a great position to do so. Thanks to his hard work and the personalized support he received, Ruben turned a frustrating credit situation into a powerful financial comeback – in less than a year.
Why Ruben’s Story Matters
Ruben’s journey is proof that you don’t have to be perfect – you just have to start. Improving your credit doesn’t require expensive shortcuts or risky credit repair schemes. It requires knowledge, support, and a plan.
At CredEvolv, we believe that when consumers like Ruben are empowered with the right tools and guidance, incredible things can happen.