Credit Restoration

Improving your credit fast is not as impossible as it may seem; all it takes is a little dedication and some due diligence. Many people believe that to fix your own credit score is a task that can only be handled by a professional. This could not be further from the truth. The same techniques that are used by professional credit repair companies are available to the public, you just need to know where to look.

Restoring your credit is not as hard as many anticipate. It can be done following a series of tasks that can be completed without the assistance of a professional. If you are motivated and focus you can fix your own credit score or get your credit history off to a great start.

Just like with anything else that is worth doing this will not happen overnight; just as your credit was not damaged overnight, it will take some time and dedication to repair. I will be providing you with resources that will assist you with the credit restoration process as well as assist you with getting your financial situation in order. To maintain an excellent credit, score your financial affairs must be intact. Your credit in finances are irrevocably connected, one will always impact the other.

During your journey to becoming financially fit and improving your credit rating I will be more than happy to answer any questions you may have and provide you with the necessary resources to achieve whatever goals that you set. You can always submit comment or email me at


8 thoughts to “Credit Restoration”

  1. I accidently allowed a chcharge of $266.00 om mu envision Mastercard, When I looked at my score it had dropped from 840 to 560. Almost the amount of the bill paid. Transunion told me that it would stay there for six years, I have never had a late payment before, I guess this isnot taken into concideration. I there some way that this can be alteredI own my own and have a $145000. motrgage on a rental which is rented.and a $11,000 car loan which exists because o no interest rate.I do not see this as a reason for a 500 score for six years. Do you have some suggestions for my, Thakyou

    1. Hello Gail. Im sorry to hear that you are having issues with your credit. The good news is that there is a way to resolve the issue. I do need to clarify a couple of things though. You said you accidentally allowed a charge of $266. Do you mean you had a late payment or forgot to make the payment? If the issue is the late payment you can contact Envision Mastercard and request that they remove the late payment reporting as a courtesy. You can do this by phone, but the best way to make this request if by US mail. This is called a goodwill request. If this is the only late payment that you have ever had the chances are high that they will do so. Your credit score dropping from an 840 to a 560 sounds like a lot more than just one late payment has gone wrong. You need to pull all of your credit reports and verify that all of the accounts being reported are yours. You also need to verify that there are no other late payments or negative things being reported. Let me know what happens with the situation. If you have any more questions feel free to ask. I hope this helps, if you need me to clarify anything for you please let me know. Good luck Gail.


  2. Hi shawna,
    My credit score is poor it’s 534 with credit karma. Then I have another credit score with capital one it’s 566. I hAve been to different sites and gotten different scores which is confusing to me.
    I have a bankruptcy on my credit report with credit karma.
    I was discharged last year in October.
    How do I get bankruptcy off my credit report

    1. Hello Craig. I know that having multiple scores can seem confusing, but it is normal. There are 3 credit bureaus; Equifax, Experian and Transunion and they are rarely ever the same. The reason for this is that the data that is being reported to each bureau is slightly different. In addition, there are about 50 different scoring models of a credit or FICO score. When comparing credit scores, you want to make sure that the version of the scores you are comparing are the same. Most scores on the web are education scores. The only website that provides the actual FICO score is The FICO score is what lenders use to make their determinations for new accounts.

      Bankruptcies are supposed to stay on your credit report for up to 10 years. However, it is possible to get the bankruptcy removed early, but the process is not guaranteed, and it can be a long one. First, you need to check your credit reports for inaccuracies on the bankruptcy entry. Remember that you will need to pull your credit report from all 3 credit bureaus. If you find any errors, immediately file a dispute with all 3 credit bureaus. They have 30 days to respond. If there are any errors the entry must be removed.

      Next, if the credit bureaus response is that the bankruptcy entry has been verified you will need to send another request in writing asking them who they confirmed the bankruptcy with. There is a template for disputing items at You can also do this online. The credit bureaus will most likely respond that they verified through the courts. As far as I know, courts don’t confirm bankruptcies for credit bureaus so move on to the next step.
      On your credit reports, you will see the reporting court for the bankruptcy entry. You need to contact them to see how their information was verified. If their response is that it was not, request that in writing in the form of a statement and submit that to all 3 credit bureaus. They will have to remove the bankruptcy item immediately.

      Now, if you don’t feel like doing all of this on your own you can hire a professional to do this. However, I believe that you can do this. I hope this helps. If you need me to please let me know.

  3. Hi my name is Mandy I am currently in to chapter 13 bankruptcy recently I took out two online loan. One for $300 and the other for $400. I want to resolve my debt but dont feel like I should have to pay $758 on a $300 dollar loan and likewise with the $400. My credit score was 520 now its 200… What should I do?

    1. Hello Mandy I am sorry to hear about your credit score. What kind of loans are these that you took out? For your credit score to drop so low there must be something else going on. Have you pulled all 3 of your credit reports? That would be from Experian, Transunion and Equifax. You need to see exactly what is making your score drop so low. I would need a little more information to give you any advice.
      I can tell you that late payments past 30 days being reported to the credit bureaus will hurt your credit score. Are these loans being reported to the credit bureaus? You can get 1 free credit report for all 3 credit bureaus from to see what is going on. Let me know after you have your credit reports.

  4. I filed bankruptcy and it discharged in 2005. However, there are still items to date still on my report.
    I linked up with Lifelock on a promo and discovered I was being hacked. I am a victim of Identity theft but since my lifelock payment failed due to a banking issue(whole other story) my acct closed. And yes, banking nightmare. My bank lost 10k of my money after an internet security breach. I was alerted on via Lifelock. So I panicked and being my credit union was closed I took the 10k and transferred it to an acct where I had borrowed my own money and with interest was to pay it back. Went to bank to explain and showed her my phone and after it left my hands the account went from 10,005 to 20,005, then back to 10,005. Who knows where my original 10k went. I have everything in black and white, took it into a sister credit union financial advisor, and the look of disbelief as she told me what to request and ask for receipts signed. Well after 2 years and constant corporation blow-offs I don’t know what else to do. Found out the hard way that credit unions dance to the beat of their own drum. They sent me literature to bide time because after 60 days anything in question can be frozen, as it was. No-one has addressed me after numerous calls and letters. Fraud can’t tell me what happened and basically I have nothing but overdrafts from them. They continues to pay secured credit cards I had(2 of them) with closed accounts from the original fraud. I believe this was an inside job but can’t prove anything. I can’t even get them to call me back. So my credit reports are horrible.
    Sad thing, I was hurt on a job and lost a gov’t career w fed benefits and took a crappy settlement, 35k and within 2 months I had nothing but headaches and overdrafts.
    Hollywood should call me because you can’t write this. It is so ridiculous and just sounds made up but it is the sad truth I live in everyday. Unemployed, negative on my accounts, losing everything and so depressed.

    1. Oh my goodness Caren, I am so sorry to hear this. It sounds like you have been through so much since 2005. Dealing with banks, credit unions when it comes to your missing money is more than frustrating. I am also so sorry to hear all that you lost in addition to the 10k. I know in this situation you have depression is hard to avoid, try for your sake to come out of it by doing something to help your current situation, it might help.

      To get your credit back in order you need to take multiple steps but it can be done. You need to pull all your credit reports from all three credit bureaus; Experian, Transunion, and Equifax. You can get all three credit reports for free at

      Every item in your reports that is an error or does not belong to you needs to be disputed. You have to do this in writing and send to each creditor via US mail with a return receipt so you have proof that your request for validation of the debt has been received. You can get a copy of the validation letter at

      If the creditors have not responded in 30 days be either removing the debt or validating that it is yours you can submit a removal request with each of the credit bureaus. I recommend that you monitor your credit year round, especially because of the prior identity theft. I monitor mine at I do have a review, click here now for my review.

      Those are just a few steps to get you started. It will be time-consuming but it is well worth it. It won’t get your $10K back though. I would also recommend going to the Federal Trade Commission website and reporting your identity theft if you haven’t done so already; you can do this at

      While you are completing these steps if you have any questions let me know. If you have any further questions let me know as well. I am so sorry all of this happened to you. Good luck!

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