From a Former Loan Officer Who's Reviewed 10,000+ Credit Files
Why Your Credit Score Won't Budge
(And What Lenders Actually See When They Pull Your File)
The reporting errors costing you approvals and how to fix them
I've approved people who looked like disasters on paper. I've denied people who thought they were golden. The difference? I knew how to read between the lines and now you will too.
☑️ The "magic codes" that aren't magic at all and the legal triggers that actually make bureaus sweat
☑️ Why your 680 score lost to someone's 620 (and what lenders saw that you didn't)
☑️ The flowchart I wish existed when I was on the lending side so you stop guessing and start moving
This isn't advice from someone who Googled it. It's from someone who stamped APPROVED or DENIED for 20 years and finally decided to show you why.
Sound Familiar?
❌ You've sent dispute letters but keep getting the same copy-paste response
❌ You paid off a debt but it's STILL showing as open or unpaid
❌ Your score dropped and you have no idea why
❌ You're following TikTok advice that isn't working (and might be making it worse)
💡 Here's What's Really Happening:
The bureaus aren't ignoring you because they're lazy. They're ignoring you because your letters don't hit the legal triggers that FORCE them to respond. Wrong law + wrong target + wrong timing = deleted into the trash folder.
🔍 What You’ll Decode Inside....
The truth behind "609 letters"
→ Why they don't trigger deletions (and what actually does)
FCRA vs. FDCPA vs. 611 vs. 623
→ Why they don't trigger deletions (and what actually does)
Why paid collections still hurts
→ And what lenders actually see when they pull your file
The 30-day validation window
→ Miss this and you lose your leverage
Governed vs. Courtesy letters
→ Which ones they MUST answer vs. which ones they trash
The Decoder Framework
→ Decode what's wrong → Determine your path → Deliver the right letter
👇This Works Best If You Have:.
Collections or charge-offs showing errors (wrong balances, duplicate reporting, incorrect dates)
Debts you've already PAID that still show as unpaid or open
Medical bills, utility bills, or credit cards that got sent to collections
A credit report that doesn't match what actually happened
Frustration from generic advice that doesn't explain the WHY
This Won't Help If:
• Your credit report is 100% accurate (disputes only work for errors not legitimate debts)
• You're looking for someone to fix your credit FOR you (this is education, not done-for-you service)
Not sure if you have errors?
Most people do and don't even know it. This guide shows you exactly what to look for through a lender's eyes.👇
💜 No Shame Zone....
This guide isn't about guilt. It's about getting in control and moving forward.
It's built for people who are tired of being confused and ready to take action even if it's just one smart step.
"Credit repair doesn't work. Not the way you've been told. You don't need to dispute every negative account. You need a PLAN one with real strategy behind it."
💰 Get the Approval Decoder for Just $29
Get Started for $29!
✓ The 3D Framework (DECODE → DETERMINE → DELIVER)
✓ FCRA vs. FDCPA breakdown (no fluff, just facts)
✓ The "Who Gets What" Letter Guide
✓ Real Scenarios + Strategic Answers
✓ Action Cheat Sheets (printable flowcharts, timelines)
✓ Instant PDF download, no waiting
💬 What People Are Saying
Audit Buyer
Hey Lisa, I'm so "impressed' with your evaluation of my CREDIT REPORT! For the 1st time I feel like I can trust someone (you LISA), and start moving FORWARD! — R.W., Audit Client
Ask Lisa One Question
Lisa was amazing at breaking 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 had no clue why they were there or how to fix. She showed me how to spot misinformation, explained what I needed to fix, and gave me clear next steps to take. I finally feel like I understand my credit and have a plan to work on growing my credit early. Her guidance was a game-changer for me! – Justice Smith
Why You Can Trust This
From Someone Who's Sat on Both Sides of the Desk
"This isn't theory. This is what actually happens behind closed doors when a lender pulls your file."
— Lisa Burkhardt
Board-Certified Credit Consultant | Former Loan Officer
MEET THE FOUNDER & CEO
Hey, I'm Lisa
20+ years as a credit union Underwriter 12 years as a lending supervisor which means I've:
✅ Reviewed over 10,000 credit reports for auto loans, mortgages, and personal loans
✅ Approved applicants who "shouldn't" have qualified because I knew what errors to look for
✅ Denied applicants who thought they were fine because their credit report was lying to them
I'm Board Certified in Credit Consulting, but here's what matters more:
💡 I've seen good people get denied for reasons no one explained to them.
💡 I've watched collection agencies report the same debt three different ways (all wrong).
💡 I've learned exactly what lenders care about and what they
Frequently Asked Questions
Is this a template pack?
No. This is a strategy guide that teaches you HOW to write letters that actually work—not copy-paste templates that get flagged.
Will this work if my credit is really bad?
Yes. This guide is built for people with collections, charge-offs, and late payments. If you have errors on your report (most people do), this will help you fix them.
Do I need to hire a credit repair company?
No. This guide teaches you how to do it yourself the right way.
How long does it take to see results?
Bureaus have 30 days to respond to disputes. Most people see changes within 60–90 days if they follow the system.
What if I've already tried disputing and it didn't work?
That's exactly why this guide exists. Most people use the wrong letters, wrong laws, or wrong timing. This fixes that.
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