🔥 Got a confusing credit letter 3 weeks ago and STILL don't know what it means?
Skip the waitlist, the legal jargon, and the credit repair runaround.
Get clear, real-world answers from a former lender who's reviewed thousands of applications and knows exactly what lenders are looking for through personalized 1:1 Coaching Chat Support.
Former Lender l 20+ Years Experience
No templates. Real strategies from a real lender
⚒️ If credit repair worked, why is your score still stuck?
I'll give it straight in REAL Time!
NY Legal Aid / NY-based consumer research → When people went through formal credit repair processes (disputes, debt resolution, rebuilding positive history), the average meaningful score improvement took closer to 12–18 months; especially for those with charge-offs or collections.
You did everything they said and your score still won’t move?
This is why. 👇
They Took Your Money; Not Your Problems!
You've tried everything; letters, credit repair
companies, months of waiting and your score is STILL stuck.
THE TRUTH THEY WON'T TELL YOU:
✗ Dispute letters don't erase bad debt
✗ Bureaus aren't required to remove accounts
✗ Generic templates hurt your chances
✗ Most "credit repair" is expensive guesswork
💬 Trusted by real people rebuilding real credit without the fluff.
💬 Still STUCK, Still WAITING, Still CONFUSED?
You’ve tried the letters. You’ve watched the YouTube advice.
But your score hasn’t moved and no one can give you a straight answer.
It’s time to talk to someone who actually sat behind the lender’s desk.
☑️ Drop your questions anytime
☑️ Get honest answers during business hours; no scripts, no fluff
✨Why RealTalk Credit is Different
The Former Lender Who Knows What They Don't Want You to Know.
I'm not here to sell you another credit repair fantasy. After 20 years in lending, I know the system from the inside out. While other "experts" send generic dispute letters, I provide personalized 1:1 coaching that actually moves the needle.
My approach isn't about quick fixes it's about understanding how lenders really think. I was trained to find ways to say YES, not to shut doors. Now, I'm using that insider knowledge to help you build a credit strategy that works in the real world.
This isn't about disputing every negative mark. It's about creating a roadmap specific to your situation, teaching you the rules lenders play by, and encouraging you to take control.
💟 What You Get Every Month
Inside RealTalkCredit 1:1 Coaching Chat Support
💟 Unlimited chat access, have a question at midnight, drop it in CHAT.
💟 Answers during office hours
→ 10 am–2 pm Monday to Friday
→ 6 PM - 9 PM Tuesday to Thursday
💟 Quick, clear responses..... typicaally within 24 hours except for weekends and holidays will vary
💟 Personalized answers by text, voice note, or Loom video depending on the details needed to cover the answer
💟 Private Telegram group with daily credit tips react with hearts, no chat pressure
✔️ Cancel anytime no contracts, no long-term commitment
👭 Real People. Real Results
Don’t just take my word for it…
⁉️ Real Questions.
Real Answers.
Q: Will you see my full credit report?
A: No, only what you share. If you want, you can give secure, read-only access via MyScoreIQ using my affiliate link totally optional. I never ask for Social Security or account numbers.
Q: What system do we use for chat?
A: We use Telegram, a trusted, secure platform. You get a private chat with me, not a group chat.
Q: Will you see my Social or account numbers?
A: No. MyScoreIQ keeps all sensitive info private. I only see what I need to help you.
Q: Will I be in a group chat?
A: You can join a private, read-only Telegram group for daily credit tips. No commenting or chatting just low-pressure support.
Q: What about privacy and security?
A: Your privacy matters. Telegram uses end-to-end encryption, and chats are confidential. You control what you share and can opt out anytime.
Q: Can I cancel anytime?
A: Yes! Cancel before your next billing cycle to avoid being charged again.
✨ These aren't scripted reviews or inflated promises; just honest feedback from real people who finally got the clarity they needed.
Get Out of Credit Limbo Today
You can keep guessing, Googling, and hoping...
Or get CLEAR, ACTIONABLE ANSWERS starting NOW ⇩
🔎 What You Get Every Month
Inside RealTalk Credit Chat
1️⃣ Complete Your Intake Form → Quick intake form after checkout
2️⃣ Start Chatting → Immediate private Telegram access
3️⃣ Get Personalized Support → Text, voice notes, or Loom videos
4️⃣ Stay Supported Monthly → Cancel anytime before next billing
🔒 Optional → MyScoreIQ® signup for secure FICO® report were your sensitive info stays private, I only see what's needed to guide you.
💬 Affiliate Disclosure: I may earn a small commission if you sign up for MyScoreIQ® through my link; at no extra cost to you. I only recommend tools I personally trust and use in my coaching.
