People ask me all the time if i turn clients down for my credit repair program. The answer is yes. Here’s why.

When you should not sign up for credit repair. A thread:

1. If your student loans are currently in default (reporting late on your reports because you aren’t paying them) I will not take you as a credit repair client. Student loans have the most negative impact on your credit scores out of any derogatory event there is.

4. If you expect us to do all of the work. Credit repair is a team sport, if you aren’t willing to actively adding/building positive credit and paying your bills on time you will NOT get the score increases that you want out of the credit repair process.

3. If you expect a miracle. Credit repair is the act of removing misreporting and unverifiable information from your credit reports. Removing anything from your reports does not erase your obligation to the debt.

2. If you have recent (past 30-60) late payments that aren’t actual errors, I don’t take you as a client. Recent lates show that you’re either over-extended financially or just reckless when it comes to handling your bills. Hannah Financial is not a bill I want to add on.