Buying a home is one of the most, if not the most, significant purchases a person will ever make. Most people can’t afford to pay cash for real estate. Others prefer to invest that large sum of money elsewhere. So they decide to borrow the money.
To do that, they need healthy credit. A 552 credit score won’t cut it. That’s why Ryon R. came to us for help.

Ryon needed higher than a 552 credit score to secure a home loan. We connected him with a certified, nonprofit credit counselor, who was able to remove four collections accounts from his credit report. Only four months later, his score shot up to 661 and into his mortgage lender’s approval zone!
What can and can’t be removed from my credit report to improve my 552 credit score?
As we’ve pointed out in a past Credit Education blog, it’s important to know which items can legally come off your credit report and which must remain. Improving your credit isn’t about erasing past financial decisions. Actually, it’s about ensuring accuracy and taking the right steps to increase your 552 credit score.
There’s a lot of misinformation about credit repair. Some companies claim they can remove all negative marks from your credit history. Unfortunately, that’s not how the process works. In reality, it is illegal to erase valid negative information from your report.
The Fair Credit Reporting Act (FCRA) ensures that credit bureaus only report verified and accurate information. For example, if you’ve had a late payment or defaulted on a loan, that record may legally stay on your report for up to seven years. Bankruptcies, depending on the type, can remain on your report for up to 10 years.
At CredEvolv, we believe in providing clear and honest information. To be clear: no company or individual has the legal authority to remove legitimate negative items from your credit report. However, the certified, nonprofit credit counselors available through our platform can help you challenge inaccurate or outdated details that may be unfairly causing your 552 credit score.
These professionals are skilled in identifying errors and inconsistencies in credit reports. Their expertise helps ensure that your credit history reflects only accurate and up-to-date information, giving you the best chance to improve your 552 credit score over time.
In Ryon’s case, the legitimate removal of four collections accounts from his credit report meant the difference between a mortgage approval and a denial. That was huge for him, and it can be for you, too.
Read more credit success stories here.