When Emili L. first connected with a counselor through CredEvolv, she wasn’t just facing a low credit score – she was credit invisible. That means she didn’t have enough credit history to generate a score at all. In the eyes of most lenders, she didn’t exist.
Unfortunately, Emili’s situation is more common than many realize. Millions of Americans are credit invisible – often through no fault of their own – and it can be a major barrier to financial stability and opportunity. Without a score, Emili couldn’t qualify for basic financial products. Renting an apartment, getting approved for a car loan, or pursuing homeownership were all out of reach.
But Emili was determined to change her path. She wanted to build a strong foundation for her financial future, and she set a clear goal: raise her credit score to at least 640.
That’s when her loan officer at WesBanco referred her to CredEvolv, where she was paired with a nonprofit, HUD-certified credit counselor. From day one, her counselor treated her with empathy and respect – not judgment. They worked together to build a customized plan tailored to her specific challenges and goals.
Starting from Zero
Emili’s first hurdle was simple but significant: she had no credit history. To get her on the map, her counselor helped her open her first line of credit – a small but critical step toward building her score.
From there, they tackled her past. Although she didn’t have a long credit file, she did have a few collection accounts that were holding her back. With guidance from her counselor, Emili disputed and successfully removed multiple negative accounts that were dragging her score down.
Each session focused on education, strategy, and real, actionable steps. And Emili showed up for every single one. Over the course of 8 sessions, she put in the work – tracking her progress, sticking to her plan, and building better habits along the way.
A 246-Point Increase – and a Brighter Future
When Emili started, her first official credit score came in at just 400. For many people, seeing a number that low can feel defeating. But for Emili, it was motivation.
She kept her eye on the goal. And with her counselor’s support, she steadily climbed. After months of focused effort, her score didn’t just meet her goal – it surpassed it.
Today, Emili’s credit score is 646 – a 246-point increase. She’s no longer invisible. She’s empowered. And she’s taken control of her financial future in a way that once felt impossible.
Why Her Story Matters
Emili’s journey is more than just a credit improvement story – it’s a reminder that with the right support system, anything is possible. For many consumers like her, traditional systems don’t offer a clear way forward. That’s where CredEvolv make all the difference.
We don’t just improve credit scores. We change lives.
Emili’s success proves what can happen when people are given the tools, guidance, and belief they need to succeed. And she’s just getting started.
