184 Contributions 388 People Helped Top Contributor
Member Since: January 2015
About Me: I was a mortgage loan officer for 5 years, specializing in credit repair for sub-prime clients. I worked with some over a period of years to help them get qualified for mortgages. In some cases my clients only needed a few points here and there, so we would devise a plan that worked best for their scores. Most of the time, their credit reports were able to gain slightly higher points in short amounts of time by doing small credit clean ups that anyone can do if you simply learn how credit works and don’t fear it. In that time I feel I have learned a few things about credit repair that people with access to just one credit report don’t have the vantage to see. But like a mechanic who works on cars all day long, I never worked on my own credit and I let it slip into really sad shape....... until now.
So I hooked up with Credit Karma on Jan 29, 2015 with a 540 TU and 538 EQ score (VantageScore 3.0 scoring model) -- And I guess all I needed was the ability to review my credit more regularly, because after monitoring it closely, I am now 100+ points above my starting point on each report in just 4 short months. Once a year isn't very helpful at all... I love watching it go up each month (sometimes every week) with simple tasks that people should be doing anyways.
I'm finally on track to good credit, regardless of the scoring model used, because I'm finally able to see the information being used in all of those scoring models AS IT HAPPENS. Credit Karma, and its community has given me the tools to maneuver my credit to 'my' advantage instead of the other way around.
So as my thanks to the Credit Karma Community, I hope to be able to help you back a little with community responses to questions you may have about credit repair.