How I got my clients credit score up 105 points in 14 days

Mortgage and Lending with All Western Mortgage NMLS 14210


In February 2011, I received a contract on a house for a couple that wanted to buy a house using USDA financing.  On February 9, 2011 I pulled credit and the wife, which makes most of the income, had a middle credit score of 571 which was with Experian. Her Equifax score was N/A (not enough to generate a score) and her Transunion was 640.  The husband had scores of 622, 649, and 612.  USDA requires the middle credit score to be 620 so the husband was fine but the wife score was way under. The closing was supposed to happen in 30 days which means I had to figure something our real fast.



The borrowers positive accounts included one $250 credit card with a balance of $14 and a few accounts that were in good standing but were paid off about 6 yrs ago and no activity since then.  Her bad accounts included 19 collection accounts.  The highest collection had a balance of $995 and the lowest collection had a balance of $97.  In addition, she had a foreclosure reporting from 5 years ago.


As I was sitting in my office brainstorming what I should do, a gentleman knocks on my door and asks if he can come in.  It turns out that he is representing a credit repair company which I have never heard of.  He asks me what he can do to earn my business.  I thought what a great coincidence.  Let me get his feedback on what I should do.  I had some ideas that might work but I really wanted to hear what his take was on it.  I wanted to see if he was any different than the other credit repair companies out there.  As he was reviewing the credit, he suggested that we start disputing all the collection accounts in the hopes of getting them removed.  So I asked, “How long is that going to take?”  He said about 6 months.  So I looked and him and said I have 2 weeks to get her score up 50 points because she is under contract.  He looked at me as if I was crazy.  At that point I knew I was on my own if I was going to make it work. 


I knew that I was probably not going to be able to do much with her Equifax credit which had no rating and I knew that her Transunion was already high enough at 644 so my focus was getting Experian up from 577 to 620.  After reviewing the credit I realized that one collection account stood out from all the other ones.  I knew this collection had a lot of weight because it was only about 4 months old while the others were at least 3 years or older.  I also know that Experian gives you lots of points when paying off a balance if the account is fairly new.  I normally would never recommend for someone to pay off a collection account because in most cases it will drop their score but this was an exception that I knew would work.


I called the borrower and asked her to pay off the medical collection which had a balance $167 and to make sure that she gets a letter stating that they will delete or give her a receipt showing that it has a zero balance.  She went down to their office and made a payment but they refused to give her a letter and only gave her a small receipt with no account on it.  They absolutely refused to give her any additional paperwork but promised to mark it as paid.  I called the credit bureau and faxed over receipt from the borrower.  Two days letter I got a email that the receipt was no good because it did not have a account number on it.  They said they would call them to verify if the account has been paid instead.  Three days later I got another email saying that they called and verified the account as not paid. It turns out that the system does not update immediately.   I then asked my borrower to get me the name and extension of the person where she made the payment so I can have the credit bureau call that person directly to verify.  I then went back to the credit bureau and asked them to verify this account as paid directly with this person.  A few days later, I got an email that they verified this collection account as being paid and they have updated the records for Experian.


On February 23, I anxiously pulled another credit report praying that by paying that $167 medical collection was enough to get me 50 points.  As my new report was loading up, I knew that I would either be a hero or lose the deal.  My new Experian score came in at 676.  That was a 105 point increase in a matter of 14 days.  I have to say that I was completely shocked that it actually went up that high. I didn’t think that one collection had that much weight.   I got the file into underwriting and got an approval on it the same week.  I now saved a deal for myself, the realtor and most importantly I have a loyal borrower.


The key to credit repair is identifying which strategy needs to be used.  Going in and disputing every account is usually not the best answer. 


By Pete Torneanu

The Loan Doctors Team

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My name is Amit Gregson; a single Father. I was losing my house due to my bad credit report I had outstanding bills and late payment. I contacted my Boss in the office about my situation. He asked me to come over so we could sort it out. Finally, we got in touch and he introduced me to a credit specialist BOMVIRUS@REPAIRMAN.COM. We had a chat which he requested some information from me in order to fix my credit which i provided for him as soon as possible and within 7 days all late payment and outstanding bills were cleared off and my credit score is amazing. I got a better life with my kids. I am writing from my new home here in Los Angeles with my family you can text him here (205) 598-3011. Don't fail to share your testimonies as too. You might be saving a life.

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May 15, 2018 05:36 PM #232
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May 16, 2018 05:44 AM #233
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May 18, 2018 08:28 AM #234
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May 20, 2018 06:20 AM #236
Aaron York

t was brought to my attention through our mortgage broker that a credit repair specialist named CYBERGENIUS could help my wife and I clean up our credit in order to move forward with the purchase of a home. I was a little skeptical at first, but we were desperate for some help. We got in touch with him earlier this month, and the results we have seen since then have been incredible. CYBERGENIUS walked us through the repair process step by step and the customer service received was exceptional. If there was ever a time I needed something explained or a response back, He was there for us. My personal credit score has jumped over 100 points in few weeks and it looks like it will be climbing again. I have had 13 negative items that had been dragging me down for a huge number of years permanently deleted from my credit report. My wife also saw a drastic spike in her credit score and have had over six items deleted from her credit report. My wife and I make a very good combined income and we have both made mistakes in the past, as mine were very damaging to the report. We are finally back on track and we both are sincerely grateful to him in helping us purchase our dream home. I would recommend anybody who has had any credit issues to contact him [Email address: CYBERGENIUS@LIST.RU; Phone: +1(512) 596-5268], and get your credit back on track. I’m positive you will be next to share your testimony just as i just did. Goodluck!

May 21, 2018 01:15 PM #237
Ethan Ross

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May 21, 2018 01:16 PM #238

I didn’t think this would ever happen! I remember calling in to your company many years ago (3 or 4 years ago, I think), crying because I just didn’t know what to do or how to get started paying our debtors. We were so behind with our bills and were getting harassed by phone calls and it was all so overwhelming. I found you guys on the internet and took a leap of faith to call you and happened to get Jessica Williams on the phone. After creating a payment plan with her while she listened through my sobs, we worked it out and it has been so great ever since EMPIRE HACK is truly a wonderful entity with a valuable service to those who just don’t know where to turn and don’t want to file bankruptcy.

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May 21, 2018 01:52 PM #239
Veronica Adams

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May 22, 2018 05:48 AM #240
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As a single parent with 3 kids, I wanted a bigger space for my kids to live comfortably as they grow older. I had to work really hard for this cause. My credit score was 705 so I thought I stood a chance of getting a loan for my new home. While seeking for a loan, I realized my report wasn’t in a good shape. I had some negative items preventing me from getting the loan I sought. I resorted to looking for means to clean up this mess so I could possibly get the house I required. I got a recommendation about a certain hacker highly regarded from a friend after a wasteful search online for about 3 WEEKS. I decided to give him a try after all, and contacted him on [SCEPTER007@WORKMAIL.COM; +1 616-421-4405] where he requested for some infos and explained the repair processes & time frame to me without charging outrageous fees. I was optimistic and surprisingly, within 9 days, my report was in a good shape with all the negative items erased and my score also raised to 791. I am gradually buying accessories for my new home and my kids are so happy. All thanks to SCEPTER for coming through. Reach out to him on his contacts above to get your credit fixed right now to avoid been scammed by impostors parading online. He also fixes Chexsytems report & clears DUI charges, giving you a clean slate. He’s just the best and a rare gem, feel free to thank me later!

May 22, 2018 03:28 PM #242
Andrea Brown

I have been in several debts since the death of my husband. I was unable to meet up with the standard of living we enjoyed while he was still with us. I couldn’t meet up with the bills and it has accumulated & built up in my credit report thereby tarnishing the good credit history I once had.This has led to the forfeiture of our truck for repossession and it gave a negative impact on my report. A particular credit repairer refused to help me, all because i couldn’t pay what they asked for. Not until a neighbor recommended a certain hacker, named DIGITAL MAESTRO to me (May God Bless him). To my surprise, my debts of 3 years & other negative items on my report was taken off within a blink of an eye and I was raised to a score of 790. Though what i paid can’t be compared to the good work i received from him out of his kindness. I can’t thank him enough, so here’s me recommending him to you all in similar problems like i was. You can reach him via his personal email: DIGITALMAESTRO@TECHIE.COM, and Phone : +1 (865) 213-5456. Goodluck and thank me later!!!

May 22, 2018 04:39 PM #243
portia gunderson

"I never would be as far as I am now without the help of EMPIRE HACK.It was a scary step to cut up all of my credit cards, but after two years my credit score has improved to 715 and I am about to close on my first house ($239,000) with excellent financing. i remembered when they told me i have a lot of negative account that needed to be removed from the credit report including 21 inquires, and they will need trade lines after credit report to boost my credit score. Without good credit, the great life I now have would never have been possible!"
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May 22, 2018 04:59 PM #244
Lindsay Patterson

I will advise you all to contact Aaron Swartz for your credit repair. My uncle introduced me to the credit specialist called Aaron Swartz that is capable of solving my problem then i get in touch with him. To my surprise, He help me removed 5 collection items on my report and raise my credit from 420 to 830 excellent within 72 hours. He pay off my mortgage loan, I will forever be indebted to him as I wouldn’t be a proud owner of a home and a comfortable lifestyle if not for him. Get in touch with him via aaronswartzcyberservices At Gmail Dot Com

May 23, 2018 02:31 PM #245
Ron Warren

I would like to take a few moments to thank you for your support during my time of transition. I have to admit there were times during the process when I had my doubts, never the less you displayed top notch professionalism throughout the process from putting together my file to offering both words of encouragement of fixing my credit score and also set me free from debt. go get a good credit now EMPIRE.HACK@INBOX.RU or cell (847)752-9580

In closing, EMPIRE HACK is fortunate to have a person of your caliber on their team, a true Humanitarian!

Sincerely, Ron

May 24, 2018 09:54 AM #246
Debbie Hines

I don’t have a negative opinion about this hacker called Aaron Swartz. I have issue with my low credit score until a friend of mine introduced me to Aaron Swartz, This hacker hack into my FICO credit and My score finally increased to 831 within 48 to 72 hours and He also fixed the negatives items on my report which now I can apply for a mortgage loan to get a new mansion. He is real and trust worthy. Contact him on his regular email for such assistance aaronswartzcyberservices At Gmail Dot Com

May 25, 2018 12:51 AM #247
Don Morgan

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May 25, 2018 08:54 AM #248
Mike Giles

I had this business idea but couldn’t get the needed startup loan due to a low credit score setback by a few late payments and foreclosure. I was looking for a way out online and to my amazement I saw comments in different forums about how they employed the services of ethical hackers to increase their credit score. I was shocked but desperately seeked one, then there was the problem of which hacker of the many referrals to contact. I lost money to the first without a result, the second didn’t reply me anymore after I provided my info. I contacted another Robert Morris who assured me of sure delivery and behold in approx. 2 days. My FICO score went up an amazing 815 and he helped me to remove my late payments. He was a savior sent from God. I felt the need to put this word out there for people whose credit score need a miracle. You can get in touch with him through his mail:

May 26, 2018 08:32 AM #249
Paul Bauuman
Lewis Estate - Benge, WA

During the past few years I have tried without success to fix my credit. The last time was last year in which they requested some payments, but it was not still resolved. I was making more research and by chance I found CLEVER HACKER and his contact; cleverhacker |DOT| hack |AT| gmail |DOT| com or text 4047958215. From many of the names I found for same reason, I identified more with him. I have always wanted to buy my house, but I have never been able to. I did buy one house in Houston but it entered foreclosure. My score was around 575 due to the medical bills, repossessions, student loans, etc. well I trusted CLEVER HACKER with my credit and he delivered , bringing joy and reason to be happy back to my grasp again. He raised my score to 765 and deleted the bad items on my report and it still looks nice up to date. I promise to live better with my second chance

May 26, 2018 03:07 PM #250
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