When Lacey L. began her credit improvement journey with CredEvolv, she set her sights on a clear goal: reaching a credit score of 660. At the time, her score was 614 – and her credit card utilization had climbed to a challenging 91%. Like many people, she wasn’t sure what to tackle first or how long it would take to see results. Fortunately, she was referred to CredEvolv by her loan officer at WesBanco, who saw her potential and wanted to help her reach her goals.
But she didn’t let that uncertainty stop her. She took action.
Working one-on-one with a dedicated credit counselor, Lacey started with the foundation: understanding where her money was going and how to manage it more strategically. Together, they created a realistic, sustainable budget that allowed her to start paying down her credit cards. Over time, she lowered her utilization from 91% to just 20% – a powerful change that signaled to credit bureaus she was regaining control of her finances.
But they didn’t stop there.
Her counselor also guided her through addressing late payments on her credit report. With the right information and support, Lacey was able to have those negative items removed – giving her credit history a much-needed refresh and reflecting the financial habits she had worked hard to build.
All of this progress happened over just six counseling sessions.
By the time she completed the program, her credit score had increased by 62 points – from 614 to 676. She not only reached her goal – she surpassed it.
“You have been amazing to work with. Thank you so much!!”
– Lacey L, CredEvolv Graduate
Lacey’s results didn’t come from a quick fix or automated tool. They came from hard work, consistency, and the power of having a knowledgeable coach by her side. She took the advice seriously, stayed committed to the process, and didn’t let early obstacles knock her off track.
Why Lacey’s Story Matters
Everyone’s credit journey looks a little different – but Lacey’s story is proof that with the right plan and the right support, big progress is possible. She didn’t need perfect credit to make progress. She just needed to understand the steps, stay consistent, and trust the process.
That’s what CredEvolv is here for. We combine powerful technology with expert, human guidance to help people navigate credit challenges, take back control, and build a stronger financial future. Whether you’re dealing with high utilization, late payments, or you just feel stuck – you’re not alone. And your current score is not your final destination.
Lacey started with a number. She ended with confidence.
If you’re ready to take the first step toward your own credit comeback, we’re ready to help.
