My Credit Story - Nicole P.
When I graduated college, I had over $75,000 in student loans and credit card debt. I was working part time and just couldn’t keep up with the minimum payments. The more I tried to get ahead, the more the credit card companies raised my interest rates. It’s as if they did it purposely because they knew I couldn’t afford to pay. They made it so easy to get the credit but weren’t willing to work with me at all to help pay it back at a reasonable rate.
I tried to work out payment arrangements with my creditors to no avail. After missing a few of my payments, the Credit card companies charged off the accounts and sent them to collection agencies. Before I knew it, my credit was ruined. The late payments, judgments and charge offs that were reported to the credit' bureaus destroyed my credit' report.
My credit' score plunged to 553. The bad credit made it impossible for me to get approved for any new credit. Bankers called me a deadbeat and my friends thought I was irresponsible.
I assumed that my bad credit would disappear eventually and I could move on from this. However, federal laws say that bad credit stays for seven years.
I knew I would need a new car soon so I was feeling really desperate about my situation. I was one step away from having a total meltdown.
During this same period, I applied for a new job that although I was qualified for I didn’t get. I inquired with the hiring manager as to why I wasn’t selected and she cited my poor credit' report as a contributing factor.
I was devastated! Something had to be done. I didn’t know where to turn.
I talked with a friend of mine and when she told me she had gone through the same situation, I pleaded with her to help me. She said The Credit Score Lawyers were able to fix her credit score. I discovered that these credit experts are able to fix almost any bad credit - including charge offs, collections, late payments, and even bankruptcy.
I enrolled in the program and saw progress almost overnight. In fact, they deleted three credit card charge offs in just 11 days! I was ecstatic!
It gave me hope to see my credit' score improve. The first month it went up 62 points, and then another 24 points, and then another 77 points. I couldn’t believe the results. Today, I have a 745 credit' score!