When Marshall B was first referred to CredEvolv by his loan officer at WesBanco, he was hopeful – but realistic. His credit score was sitting at 633, and while he knew he wanted to buy a home, he assumed it would take years to get there.
He wasn’t wrong to feel that way. Many would-be homeowners get stuck in the same spot: stuck in a cycle of “maybe one day,” overwhelmed by past mistakes, and unsure how to move forward. The difference? Marshall didn’t stay stuck – he got connected to the right help at the right time.
The Power of a Referral
WesBanco, one of CredEvolv’s trusted partners, knew Marshall had potential. He had the motivation and wanted to change. What he didn’t have was the credit profile to qualify – yet.
That’s where the power of our platform comes in. Through a seamless referral from lender to counselor, Marshall enrolled in CredEvolv and was matched with a HUD-approved credit counselor who immediately began mapping out a plan tailored to his needs.
And here’s the key: it wasn’t just about boosting a score. It was about building a foundation.
Over the course of 15 coaching sessions, Marshall and his counselor tackled the big three:
Building New Credit: With guidance, he strategically opened credit cards designed to establish positive history and improve his credit utilization – without taking on unnecessary risk.
Removing Damaging Items: Together, they reviewed his credit reports and worked to remove several collection accounts, which had been dragging his score down for years.
Creating a Budget: Just as importantly, Marshall learned how to budget for his future goals – a crucial piece of staying mortgage-ready, not just getting there.
And the results? They speak for themselves.
His credit score jumped from 633 to 693 – a 60-point improvement that moved him well beyond his original goal of 640.
“I am really happy with the outcome. I thought it would take a few more years to purchase a home… but as of 20 minutes ago, I received my final documents on the new mortgage.”
It’s hard to top that feeling – when a client who thought homeownership was a distant dream ends up holding the keys.
Behind Every Success Is a System That Works
Marshall’s story is a testament to what happens when the right systems – and people – come together. His success wasn’t accidental.
WesBanco made a timely referral, recognizing Marshall’s potential even before he believed it himself.
CredEvolv provided a tech-powered platform to connect and support him along the way.
His credit counselor built a personal connection and actionable plan, session by session.
And Marshall put in the work – proving that transformation is possible with the right team behind you.
Why This Matters – For Every Lender and Referral Partner
Marshall’s success story is a win for him and his family – but it’s also a clear example of how referral partnerships create meaningful outcomes.
Every lender has clients like Marshall. They’re motivated. They’re reachable. They just need someone to believe in them long enough to give them the tools and time to improve.
That’s what CredEvolv delivers: a scalable solution that keeps you informed, keeps your clients on track, and helps turn turndowns into closings.
One Referral Changed Marshall’s Life. Who’s Next?
Marshall’s story started with a single decision: someone at WesBanco taking a moment to say, “Let’s get you some help.”
Now he’s a homeowner. And his credit score is better than ever. If you’ve got a client like Marshall in your pipeline – don’t wait. Refer them today. We’ll help them face their credit, build a plan, and come back strong.
