He showed them a ‘shortcut' to improving their credit.Ī shortcut that he told them, is 100% legal, and works no matter how bad your credit is. They had no idea at the time, that the " inside information" he revealed to them, would soon become the answer to their credit woes… and would transform their financial lives, forever. Until a conversation with a family friend named Jay, who had worked inside the credit industry for years… changed everything… In her words: "The credit repair company would withdraw $99 from my bank account every month, but my credit score actually got worse!"įeeling frustrated, and defeated, the newly married couple were about to give up. She felt helpless, as she and her husband Scott were forced to put their dreams of buying a new home on hold.possibly for good…įeeling like she had nowhere to turn, Alison did what many people do, and signed up for a "credit repair" service.īut as she and her husband soon found out, the service's claims of being able to "fix her credit", wound up being nothing more than empty promises. These negative items, even when paid, would stay on her credit report for 7 years. What's worse is, she quickly found out that even after paying off debt collectors for small collections of just $136 and $76, the payments did not help her score. This put her well into what is considered the "poor" credit category. "I had this great paying job, and life was good… then almost overnight everything changed", Alison explains.īefore long, her credit score had tanked to 588. Before long, debt collectors were calling her at all hours.
She receives many pre-approved letters in the mail for credit cards, and she typically jumps at the opportunity to increase her buying power.īut when her employer began downsizing, things took a turn for the worse, and she was forced to miss a few payments on some of her credit cards. Alison Hilton's financial history isn't all that different from most people.
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