Crystal came to CredEvolv after being connected by her loan officer at AnnieMac. She had a clear goal: to buy a home. She knew her credit score wasn’t where it needed to be. At 567, her chances of qualifying for a mortgage were slim – but not impossible.
She’d already taken the most important first step: asking for help. What she didn’t yet know was that most people are closer than they think – and with the right plan, they can close that gap faster than they imagined.
Her counselor reassured her of exactly that. Crystal didn’t need perfect credit. She needed progress. And that’s what they would build – together.
Understanding the score behind the story
Crystal’s counselor began with education. They walked through her credit report in detail, not just to spot what was wrong, but to understand the “why” behind it.
Her credit was weighed down by:
Several late payments
Multiple collections, including one over $700
High credit utilization – balances eating up over 50% of her available credit
Inquiries from previous credit pulls
But all of it was manageable. One by one, her counselor explained how to challenge errors, dispute negative items, and most importantly – shift the behaviors that build long-term credit health.
Crystal didn’t just listen. She locked in. And she got to work.
A counselor in her corner – and a plan that worked
Together, they worked on a Success Plan tailored to her situation. It wasn’t one-size-fits-all. It was based on Crystal’s unique mix of goals, credit factors, and readiness.
Over the months that followed, Crystal:
Deleted multiple 30- and 90-day late payments from all three bureaus
Removed collections, including a major one
Brought down her credit utilization steadily – from 56% to 34%, on her way toward the target under 30%
Cleaned up old inquiries, removed outdated comments, and added dispute language
Navigated new account activity, including a new auto loan that required some additional strategy
There were wins, setbacks, and adjustments. Through it all, Crystal stayed focused. Her counselor helped her all the way, even when the process got frustrating.
The score went up – but that wasn’t the only victory
With each passing month, Crystal’s hard work showed up in the numbers. Her credit scores steadily climbed from the 560s into the 600s. Late payments disappeared. Old debts were cleared. Her report looked better – and so did her options.
Eventually, her score hit 644. But here’s the thing: she didn’t even need to hit her “goal score” to reach her bigger goal.
Before she crossed that final credit threshold, Crystal was approved for a mortgage. And not long after, she closed on her new home.
Her counselor’s note at the end of the journey said it best:
“Client is very happy with the service, was able to purchase her home. She didn’t reach her original goal, but was still approved.”
Let Crystal’s journey be your sign
If you’re facing a score that feels too low, too damaged, or too complicated to fix — Crystal has been there. She didn’t do it alone. And you don’t have to either.
With CredEvolv, you get a partner, a plan, and a path forward. And if your loan officer referred you to us, it’s because they believe in your potential — just like we do.
Let’s start your credit success story today.
