When Jorge G. was connected to CredEvolv by his loan officer at Barrett Financial, he knew his credit needed work before he could move forward with a home loan. His reports showed collections, charge-offs, and a few late payments – and while his scores weren’t the lowest, they weren’t yet strong enough to qualify for the kind of mortgage terms he was aiming for.
What Jorge had, though, was commitment – and a credit counselor ready to guide him.
Together, they built a strategy that focused on improving the biggest factors in his credit: lowering utilization, cleaning up negative items, and staying consistent.
The Starting Point: A Mixed Picture
Jorge’s credit scores when he began:
- Equifax: 577
- TransUnion: 616
- Experian: 640
From the start, Jorge showed up ready to do the work. He stayed in communication with his credit counselor, uploaded letters from the bureaus, and followed through with every step – even when progress was slow or complicated.
Step by Step, Jorge Rebuilt His Credit the Right Way
Jorge saw significant score gains. With expert help, he focused on the actions that truly move credit:
- A collection deleted from all three bureaus
- A charge-off was removed from Experian and TransUnion
- Several other accounts corrected, and late payments removed
- Utilization dropped from 16% to 0% over time
- Inquiries monitored and deleted when appropriate
Even when new inquiries or balance changes caused small dips, Jorge stayed focused on the bigger picture – and never missed a chance to take another step forward.
Jorge’s Final Credit Scores
- Equifax: 649 (+72 points)
- TransUnion: 660 (+44 points)
- Experian: 643 (+3 points)
When you step back and look at the full picture, Jorge’s transformation is clear. His middle credit score – the one lenders use to approve a mortgage – rose from 616 to 649, a 33-point increase that put him in range to qualify for a competitive rate.
These numbers reflect far more than credit activity. They reflect months of focus, follow-through, and hard conversations turned into progress. Jorge took control of his credit and changed what was possible for his future.
Jorge didn’t just raise his credit scores – he reached the goal that motivated him from the very beginning: homeownership.
Thanks to the connection from his loan officer at Barrett Financial and his own commitment to stay engaged, Jorge is now preparing to close on his home with an interest rate that reflects all the effort he put into rebuilding.
His story isn’t just a win for him- it’s proof that when we work together, real outcomes happen.
Jorge’s Story Is a Blueprint for What’s Possible
Jorge didn’t just fix his credit – he changed his future.
By staying consistent, trusting the process, and leaning into the support his credit counselor offered, he turned a challenging credit history into a powerful opportunity. What began as a simple connection from his loan officer turned into a full-circle moment: credit improvement, pre-approval, and now the keys to a new home within reach.
If you’re working toward your own financial goals – whether it’s buying a home, paying down debt, or simply gaining peace of mind- let Jorge’s story be your reminder that progress is possible.
Credit change doesn’t happen overnight. But with the right tools, the right team, and the willingness to stick with it, your story can change too.