Great Credit in 25 Days

The housing boom of the mid-2000s was a double-edged sword. As a mortgage broker, I witnessed firsthand the desperation of people trying to achieve the dream of homeownership, often battling credit scores that seemed insurmountable. We were a small brokerage, and to survive against giants like Rocket Mortgage, we had to take on the cases the big players wouldn't touch: clients with average to terrible credit.

This meant becoming a credit repair specialist out of necessity. Time was never on our side. In the red-hot market, homes vanished in a flash. We had, at most, 45 days to work miracles, or our clients would walk. The pressure was immense.

But one case stands out, a case that truly tested the limits of what I thought was possible, and ultimately shaped the philosophy behind Ten Dollar Credit Repair.

A client came to us with a near-impossible scenario. A new home builder was offering a once-in-a-lifetime deal: closing costs paid, $5,000 in upgrades, and a year of waived HOA fees. The catch? She had just 25 days to close.

The reason? A messy divorce was forcing the builder to sever ties with his soon-to-be ex-wife, who was also his business partner.

Our client's credit file was a battlefield:

• Chapter 7 bankruptcy, discharged just 8 months prior

• Over a dozen collection accounts from her deceased mother's medical bills

• A barrage of hard inquiries from desperate mortgage shopping

• A laundry list of old, delinquent accounts

• A credit score that scraped the bottom at 410

Honestly, when I first looked at it, I wanted to run. It felt like trying to climb Everest in flip-flops. Yet, a former customer had raved about my credit repair skills, sending her my way.

Then she walked into my office. And with her came her five-year-old daughter. The prettiest little girl, with these huge, innocent brown eyes, looked up at me and said, "Mommy, I can't wait till we get the house, because I'll finally have my own room."

That was it. I was in.

The next 25 days were a blur of frantic activity. I pulled every trick I knew, everything I'd learned in the trenches of the mortgage world. I sent dispute letters that cited FCRA codes with the precision of a lawyer. I called executive offices at the credit bureaus, refusing to take "no" for an answer. I leveraged every connection I had, pushing the system to its limits.

It was a crazy, stressful, but ultimately transformative experience. We got her approved. And in those 25 days, I learned more about the human side of credit repair than in all my previous years.

Ten Dollar Credit Repair is born from that experience. It's not just about algorithms and legal jargon. It's about the real people whose lives are impacted by their credit. It's about the dreams that hang in the balance. It's about the desperation that drives people to seek help, and the responsibility that comes with providing it.

That's why I created an eBook that is affordable, accessible, and powerful. Because everyone deserves a chance, not just the wealthy. Everyone deserves the same level of expertise, dedication, and care.

Ten Dollar Credit Repair is my way of paying it forward, of sharing the knowledge I gained in the fire, and of empowering others to take control of their financial destinies.

We recommend you know what your FICO score is before you start! We recommend MyScoreIQ: Click the link to find out what your TRUE FICO Score is: https://www.myscoreiq.com/get-fico-max.aspx?offercode=43214048