When Lakita began her credit journey in March 2024, her credit score was down at 598. Like many people, she had a big goal – to become a homeowner. But with a target 680 credit score, she knew she had work to do.
By October 2024, she didn’t just reach her goal – she exceeded it. Lakita raised her mid-score to 683. Her transformation proves what’s possible when you work with the right support system – and a real plan.
What Brings Down Credit Scores?
One of the most common questions people ask is: what brings down your credit score? For Lakita, like many others, the answer included charge-off accounts and collections.
In her case, six charge-offs and two collections were dragging her score down. These negative items are common causes of a credit score drop, especially if they remain unresolved.
Working With the Right Help Matters
Instead of turning to one of the worst credit repair companies that promise a “quick fix,” Lakita worked with a nonprofit credit counselor through our platform. These certified professionals don’t rely on questionable tactics like credit sweeps or practices that raise the question: is credit repair illegal?
She worked with a counselor who created a step-by-step, compliant action plan – something that illegal credit repair operations simply don’t provide. And it paid off.
Real Credit Solutions With Real Results
As her counselor guided her through dispute processes and smart rebuilding steps, Lakita successfully removed the six charge-off accounts and two collections from her credit report. These changes made a significant impact, helping her cross the crucial 680 credit score threshold.
If you’ve ever asked why is my available credit lower, or wondered how to fix your credit, you’re not alone. Whether it’s a sudden score drop or a lifetime of low credit, the truth is that working with credit rebuilding companies – the right ones – can make all the difference.
We only connect consumers to nonprofit credit repair companies that focus on long-term success, not shortcuts.
Ready for Homeownership
With a credit score above 680, Lakita is now eligible for most mortgage programs. That number opens doors – not just to home loans, but to better terms, lower interest rates, and more financial freedom.
This is what a credit solution company should help you do: create lasting change, not just chase a temporary boost.
Want to Start Your Journey?
If your credit is down, or you’re asking yourself what brings down a credit score – it’s time to get real help. Skip the scams. Avoid the hype. And get started with a counselor who has your back.