Case Study:
Fast Credit Improvement Ahead
of a Major Purchase
Understand Your Credit. Unlock Your Future.
Client Background:
Our client, Alyssa, reached out to Credit Sister with a sense of urgency. She was preparing to purchase her first car — a major milestone — but her credit score was standing in the way of getting approved for a decent auto loan. With just 45 days before her planned purchase, she needed a fast and effective credit improvement strategy.
The Challenge
Alyssa’s credit report showed:
A low-to-mid 600s score due to high credit utilization
One medical collection that had already been paid but not updated
A few late payments from two years ago still impacting her profile
Limited positive credit activity in the last six months
Without a significant score increase, she would face high interest rates or a denial from lenders.
Our Strategy
Given the tight timeline, our approach was highly focused and time-sensitive. We:
Disputed the outdated collection, and successfully had it marked “Paid in Full” and later removed from two bureaus
Submitted goodwill adjustment requests to creditors for the late payments, leveraging Alyssa’s recent on-time streak
Guided Alyssa in making two strategic payments to lower her credit utilization below 30%
Added a rent-reporting service to quickly introduce positive history
Paused new inquiries, and provided coaching on how to maintain momentum post-purchase
The Results
Within just 45 days:
Alyssa’s credit score jumped by 72 points
Her credit profile reflected stronger payment behavior
She was pre-approved for an auto loan with favorable interest rates
She successfully purchased her car on time and within budget
Client Testimonial
” I thought improving credit took years. I never imagined I’d be able to buy my car with confidence in just over a month. Credit Sister made the process so easy and kept me calm the whole way through. “
What This Case Proves
With the right expertise and a focused plan, credit improvement doesn’t have to take years. Alyssa’s journey shows that, even on a tight deadline, strategic dispute filing and credit optimization can deliver fast, meaningful results — just in time for life’s big moments.