Client Win: From Red Flags to Green Lights — Arvy’s Credit Rebuild

When Arvy walked into our program this fall, their credit file told a tough story: legacy derogatories, several active collections, and student loan tradelines that weren’t reflecting on-time payments. Sixty days later, that story looks very different.

The Snapshot

• Audit date: November 17, 2025
• Net bureau actions this cycle: 10 deletions, 13 updated to positive, 1 new negative, 15 new items added/visible after reimport (these “adds” are normal when bureaus refresh reporting)

The Big Wins

1) A full Bankruptcy Chapter 7 deletion

The prior BK public record (Chapter 7) was removed after our verification challenge and documentation packet. That single change lifted a major barrier to approvals.

2) Collections knocked off the report

Our disputes and pay-for-delete/validation work resulted in multiple third-party collections coming off the file, including items from SecurityCred, Metro Collection Services, Conn’s Serv, and a Credit One Bank placement that had been reporting as a collection/charge-off. Each deletion reduced utilization pressure and eliminated a negative scorecard trigger.

3) Late child-support reporting corrected and deleted

Arvy provided proof of incarceration during the period those lates allegedly occurred. We submitted that evidence with FCRA/FCRA-611 language and supporting timelines; the bureaus deleted several child-support lates tied to that timeframe.

4) Federal student loans flipped to positive

Multiple Dept. of Ed/Aidvantage tradelines that were previously coded negative were updated to reflect on-time payments—exactly what Arvy has been doing all year. Accurate coding here matters: it shifts the account from a derogatory bucket to a positive installment anchor, improving depth and payment history.

5) Clean-up of mixed/duplicate data

We pushed through a set of reimports to align statuses (e.g., Chime/Stride, Buildium, Kikoff, and current CRB entries showing as positive) so lenders see a consistent, accurate picture.

Why This Matters

• Scorecards: Deleting a BK and several collections can move a consumer onto more favorable FICO/Vantage scorecards.
• Underwriting: Mortgage, auto, and major bankcards often auto-deny for unresolved public records and active collections—removing those obstacles changes the conversation.
• DTI & capacity optics: Flipping student loans to positive reduces perceived risk even when balances remain.

What We Did (and you can, too)

1. Forensic file review to map each derogatory to a statute, furnishers’ obligations, and documentary evidence.
2. Targeted reinvestigations (FCRA §611) and debt validations where applicable, not scatter-shot disputes.
3. Evidence-led challenges (e.g., incarceration proof) to correct reporting that never should have been coded late.
4. Data hygiene & reimport to reconcile duplicates and status drift across bureaus.

Arvy’s Next Steps

• Keep building on-time payment streaks—the single strongest scoring input.
• Hold utilization below 10–15% on revolving limits.
• Add one low-risk builder line only if it fills a real gap (no shotgun applications).
• Set quarterly credit check-ins so small reporting errors don’t snowball.