Credit Audit | Full Review of Your Credit Report by a Former Lender
20+ Years of Lending Experience | No BS, No Templates, No Fluff.
Get a complete analysis of your credit report from a former lending supervisor who's reviewed thousands of reports. I'll identify what's actually hurting your approval odds, explain the impact of each issue, and show you what lenders see when they review your file💡
Former lender | 20+ years experience | Trusted by real people rebuilding real credit
Your credit report is holding you back, but you don't know what to fix first
👉 Here's What You'll Get With Your Credit Audit:
Point 1: Complete Credit Report Analysis
I'll review your entire credit report line-by-line and identify exactly which items are costing you approvals. No fluff. Just the real issues that matter to lenders.
Point 2: Real Lender Perspective on Your Credit Issues
I'll walk you through each issue on your report; what's hurting you most, what's not as bad as you think, and how lenders actually weigh each item. You'll understand the IMPACT of each problem based on 20+ years of lending decisions.
Point 3: Priority Breakdown: What Matters Most
You’ll know exactly what’s costing you approvals and what’s just noise. After your audit, you’ll also get up to 3 clarification questions so you can make sure you fully understand your results and mini‑plan
20 Years Underwriting | Collection | Board Certified Credit Consultant |
NOW Credit Coach
💡 This Credit Audit Is for You If...
💡 You want to know exactly what's hurting your credit score and approval odds.
💡 You've been denied and don't understand why or what to fix.
💡 You're tired of generic advice and want insight from someone who actually made lending decisions.
💡 You have collections, charge-offs, late payments, or errors on your report and need a real answers.
💡 You're ready to stop guessing and start understanding how lenders actually think.
💡 You prefer a detailed video walkthrough and written summary 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.
👉 Ready to Understand Your Credit Report?
Here's what happens next:
Steps: → Pay $97 and get instant access to the audit intake form → Submit your credit report details and any specific concerns
→ I'll review your report and create your personalized Loom video review → You’ll receive your audit in our private Telegram chat (with a backup link sent to your email) and you’ll have up to 3 clarification questions to make sure everything is clear
No generic templates. No copy/paste advice. Just real answersreview based on 20+ years inside the lending world.
You get clarity as to what underwriters are seeing 👀
💬 What a RealTalk Credit Audit Covers
Here's what happens next:
→ You'll get a complete walkthrough of your credit report from a lender's perspective. I'll explain what I see on each line, what's working, what's not, and what lenders actually care about.
Example Scenarios:
"Your credit card debt is 85% of your limit; here's why that's costing you approvals and what lenders see."
"This late payment is 3 years old, so the impact is lower now; but here's why it still matters."
"You have 2 collections and a charge-off. Here's what each one is doing to your approval odds and which one matters most."
Former lender | 20+ years experience 🔒 Trusted by real people rebuilding real credit without the fluff.
🤝 Want Ongoing Support?
If you need more than just one audit, here's how I can help
💬 What Clients Are Saying:
Testimonial 1:
"Lisa broke down everything on my credit report in a way that made sense to me. As an 18-year-old, I found several things on my report that I didn't recognize. Her guidance was a game-changer for me." — Justice Smith, Age 18
Testimonial 2:
“Your the first to give to give real advice without the BS Finally someone who knows what they are talking about.”
TikTok DM (annonomous)
Join others who've walked away with real answers from a former lender, no BS, just clarity.
