“Chase not only removed all my late payments but also refunded over $350 in fees!” ~~ Sarah S., Florida
Sarah had moved several times and in the process, she’d unintentionally forgotten about the Chase account. Easy to do when no billing statement comes! By the time she checked her credit report, late payments had already posted and her score had been docked.
Time to spring into action! Sarah picked up a copy of Repair Your Credit Like the Pros: How credit attorneys and certified consultants legally delete bad credit and restore your good name. See here.
After reading Chapter 15, she called Chase and asked to speak with a supervisor in charge. She opened the line of communication in a professional manner. She explained that her credit is very important to her, and she would not have missed a payment had she received a bill. She told the truth. By the end of the conversation, the supervisor said:
“I have determined that you were not receiving your statements”; and therefore, you “couldn’t have known you had a bill.”
As a result, both the late payment record and the late fees were removed.
In a follow-up email, Sarah wrote (and gave me permission to use on my blog):
I wanted to write to you with a heart of gratitude! Thank you so much for writing your credit repair book. Within two
months of starting the credit repair process and sending out first letters, my husband and I have raised our score over 100 points! We are pre-approved to buy our first home. God is good.
Thank you again,
Does credit repair work? YES
Is credit repair a scam? NO, not when you do it legally like the certified, licensed, credit repair specialists.
One of my book readers recently sent me this, showing her success.
Previously, her credit report had a charge-off from Verizon that she did not agree with. She challenged it and won! This letter from Experian shows the results and outcome: “Deleted – This item was removed from your credit report. Please review your report for the details.”
She was so happy, because having this negative item removed from her credit will boost her score. I cannot predict how many points her score will go up, because it varies depending on the person’s overall credit report. That said, having a charge-off removed is a major success!
Congratulations, dear book reader, and thank you for giving me permission to post this as an encouragement to others that DIY credit repair works.
All the steps on how she did this are in Repair Your Credit Like the Pros: How credit attorneys and certified consultants legally delete bad credit and restore your good name. You can check it out here.
Please share this encouragement with others who either need to restore their credit and/or who want to know how the credit system works. I appreciate it so much, and they will too!