Ask Lisa | One real answer from a real lender
20+ Years of Lending Experience | No BS, No Templates, No Fluff.
Get a personalized answer to your ONE burning credit question from a former lender who's seen it all approvals, denials, and everything in between.
Former lender | 20+ years experience | Trusted by real people rebuilding real credit
Wondering if that old collection is costing you approvals?
👉 Here's What You'll Get When You Ask Your Question:
1) Submit Your Credit Question:
Ask me ONE detailed question about your credit situation. You can include up to 2 screenshots (credit report snippets, letters, denial notices, etc.).
2) Get a Personalized Answer:
I'll review your question and respond with a text-based answer or voice message (depending on the detail needed) within 48-72 hours.
3) Real Lender Insight:
No generic advice. No copy/paste templates. Just real answers based on 20+ years as a loan officer, underwriter, and lending supervisor.
4 ) One Question. Real Clarity.
This isn't a coaching session it's a focused answer to help you understand what lenders actually see and what you should do next.
20 Years Underwriting | Collection | Board Certified Credit Consultant |
NOW Credit Coach
👉 This Question Service Is for You If...
💡 You're confused about your credit and need clarity, not more myths.
💡 You've been denied and don't understand why or you want to know what to fix before you apply.
💡 You're tired of generic advice and want insight from someone who actually made lending decisions.
💡 You have a specific question about collections, charge-offs, credit usage, or your credit report and you want a REAL answer.
💡 You're ready to stop guessing and start understanding how lenders actually think.
💡 You prefer clear, written answers you can refer back to, not a phone call or Zoom session.
If you're nodding YES to any of these, this was built for you.
👉 From Credit Desks to RealTalk Credit: Meet Lisa ~ A Lender Who's Lived It
👋Hi I'm Lisa your lender that had to get creative so I can share my wealth of lending with you 🫵
For over 20 years, I sat on the inside of the lending world approving loans, handling collections, and guiding borrowers toward approvals. I wasn't trained to deny people; I was trained to build a plan that helped them say yes.
But after 15 surgeries and a medical layoff, everything changed. I lost my job, but not my purpose.
Now, I use my insider knowledge to help real people rebuild their credit and income with strategies that actually work no gimmicks, no shame, no confusing advice.
I created Scars to Stars | RealTalk Credit because I've seen what broken systems do to good people. Forget the myths you need a real plan, and someone who's been on both sides of the desk.
👉 Real Questions | Real Answers
This isn't a coaching program. It's not a credit audit. It's a single question you need answered fast, clear, and based on real lending experience.
Examples of questions I answer:
"I have a charge-off from 3 years ago. Should I pay it before applying for a mortgage?"
"My credit score is 640. Why did I get denied for an auto loan?"
"I settled a collection. Why is it still hurting my score?"
"Should I dispute this late payment, or will that make things worse?"
"What's the fastest way to improve my credit usage without closing accounts?"
No generic templates. No copy/paste advice. Just real answers based on 20+ years inside the lending world.
You ask. I answer. Simple.
👉 Ready to Get a Real Answer?
Here's what happens next:
→ Enter your email and pay $27
→ You'll get instant access to the intake form
→ Ask your question (and upload up to 2 screenshots if needed)
→ I'll review and respond within 48-72 hours with a personalized text-based or voice message answer.
Former lender | 20+ years experience 🔒 Trusted by real people rebuilding real credit without the fluff.
Join others who've walked away with real answers from a former lender no BS, just clarity
