Hi Blake,

I want to express my gratitude for your willingness to assist in restoring my credit report despite the fact that you couldn't do the loan for the Hawaii home we bought because your company only does loans in California. I was pleasantly surprised by, and very appreciative of, your help with this issue.

To make this purchase, I needed to get a HELOC for the down payment. At the beginning of this year when I bought a new car, my mid-FICO score was 797. When we decided to buy the Hawaii home, you ran my credit and this score was 637. Needless to say, I was both shocked and dismayed because I had no idea how my score declined 170 points this year, and I couldn't get the HELOC with a score less than 680.

When you analyzed my credit report, you found I had 2 charge-offs-Verizon for $5,858 and a collection agency for $173, which was from Xfinity, another cell phone company. I had never done business with either of these companies, so you said you would find out how these charges occurred.

Upon your investigation, you discovered that I had been the victim of identity theft. In a matter of weeks, you were successful in getting both charge-offs removed from my credit report and rescoring it in just 1 day, increasing my mid-FICO score from 627 to 761, which easily qualified me for the HELOC. In addition, because of this higher score, I saved cover $16,000 on my loans!

Had your efforts not ended in success, I wouldn't have been able to purchase the Hawaii home. This, not only, would have been disappointing to me and my wife, but also to the realtors who would have lost their commissions, which I imagine were considerable for the $785,000 purchase.

Furthermore, if the charge-offs hadn't been removed, they would have stayed on my credit report until 2029, adversely affecting my FICO scores, hampering my ability to purchase anything on credit, and resulting in higher interest rates and costs for anything I would want to buy, that is, if the 627 mid-FICO didn't completely prevent me from buying any high ticket items. The removal of the charge-offs will definitely make a difference in my financial future.

Thank you again, Blake, for using your FICO restoring expertise to eliminate the charge-offs from my credit report even though you didn't benefit financially from my Hawaii purchase. Your generosity in this regard is greatly appreciated.

I'll be happy to communicate with those who have credit issues needing FICO rescoring, and share with them my experience with you. Just have them contact me at 714-507-0690. Enjoy your holiday season!