Credit Law Center Testimony: My Mind Is Changed About Credit Repair Companies
I am 48-years old and I can say I never knew much about credit and how the credit world worked. As far as I knew, I had always had okay credit scores. I quickly learned that was not the case and found myself in some tough situations. I married my first husband very young and he did not have great credit. While I was married to him, my debt climbed to well over $50,000 and I was feeling like I had a brick weighing me down. It was stressful to say the least. Shortly after we were married, we divorced. At the time I was unaware there were any companies out there like Credit Law Center. I was unsure what to do with the debt so I sought counsel with an attorney that encouraged me to file bankruptcy. I felt I needed to get a fresh start in life and it would be a one time deal. I was extremely determined to get my credit back in good standing and thought a bankruptcy was the only way I could improve it.
Fast forward a few years to my second marriage and again, we were having issues with our credit scores. My credit was decent but my second husband also had less than perfect scores. I had many health issues and a lot of medical debt. I also had medical debt from my previous marriage following me around. Again, I filed bankruptcy. This time we filed jointly and my current husband and I tried again to get in a better position. I felt ashamed, betrayed, frustrated among many other emotions.
Years later we decided to start looking into purchasing a home. After speaking with a Loan Officer, we were told we still didn’t have the credit scores we needed to buy. So, I started looking into credit repair. I needed to repair my credit fast! I signed up with a “credit repair company” that told me I could get my credit cleaned up in 3-6 months. That turned out to not be the case at all. I checked in with them regularly to see how things were going with little contact or explanation of what was happening on their end. While paying my monthly fees, and no removal of items I was becoming very concerned! Nine months went by without any results. Again, I felt frustrated and a little hopeless about improving our credit. We were running out of options and my family was starting to lose hope on finding a home.
Luckily, I started a new job with a mortgage company that referred clients over to Credit Law Center. It took me a while to get the courage to call them because I didn’t want to be scammed out of money again. I was very hesitant.We were told we needed a 40-60 point boost in order to get approved for the loan so I called Credit Law Center and talked with an advisor and signed up immediately. I could not believe how much success I had in my first 40 days and we have now completed the whole process. My family and I moved at the end of October 2017 into a home we love that is brand new. It was a huge relief!
Although I was hesitant about the process, Credit Law Center continued to assure me I would only pay for the results on my report and that was true! I felt that they were honest and straightforward the entire time and for that, I am grateful. There are many companies out there trying to take money from innocent people with no intention of getting the scores where they need to be. I ran into that myself and it can be very disheartening. My credit advisor took the time to educate me on how to use the credit I do have, so that I don’t get into a bad spot again. I just want to thank them for making it possible to buy a home and for the honest work they do.
A Note From The Author: This is an actual client testimony submitted. The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.
Article by Breana Washington