Credit Repair Bankruptcy Collections

Challenge:
Marcus came to us after a Chapter 7 bankruptcy, multiple collections, and maxed-out credit cards. His score was sitting at 512, and he had been denied twice for a vehicle loan.

Solution:
We conducted a full credit audit and launched a multi-layer dispute strategy, including:

• Bankruptcy reporting inaccuracies review
• Collection account validation disputes
• Credit utilization restructuring plan
• Personal credit education coaching

Result:
Within 90 days:

• TransUnion: +62 points
• Experian: +71 points
• Equifax: +58 points

Marcus was approved for a vehicle with a lower interest rate than expected and is now rebuilding with confidence.