Erving & Co Credit Repair

06/02/2026

05/30/2026

Yes, it’s possible. These two negative child support accounts were successfully deleted from my client’s credit report and their journey to financial freedom just got a whole lot lighter.

Every situation is different, but when items are outdated, inaccurate, or reporting incorrectly, they can be challenged and removed under the law.

This is what happens when you trust the process and let a professional fight for your credit the right way.
You could be next. DM “CREDIT” to start your clean-up.

05/30/2026

CREDIT SCORES and their REAL meanings 📝

499 or Lower (VERY BAD)....... this is the “You know good & well you can’t get nothing on credit” credit score 🙅🏽‍♀️

500-579 (BAD)..... this is the “ You can try and see what happens” credit score 🤷🏽‍♀️. Most companies will deny you for credit

580-619 (POOR)...... this is the “You can play but you WILL pay” credit score. You may get approved but they will make sure your interest payments are sky high and you will end up paying more over the years 🧐

620-679 (FAIR)....this is the “ OK, I’ve seen worse” credit score. Interest rates will vary depending on what type of credit you are applying for. 😩

680-699 (Good).....This is the AVERAGE credit score. You will most likely get approved and pay interest but it won’t be as high. ☺️

700-799 (VERY GOOD)..... This is the “We want your business” credit score. Only 27% of Americans have this score. Look forward to good interest rates and instant approval 😃

800 and higher (EXCELLENT).....This is the “NO INTEREST FOR 2 years”, Sign & drive “ credit score. You are treated like royalty....red carpet and all. Never turned down, lowest interest rates available.👑💳💰💰💰💰💰

05/30/2026

05/26/2026

Did you know❓️

Paying off collections & charged off accounts does NOT help your credit or increase your credit score AT ALL‼️

A paid collection/charge off has the SAME negative 🚫 impact as an UNPAID one. ☝🏾

Once something goes into collections, there is 👉🏾 NOTHING you can do to make it a positive item again. It must be DELETED from your credit report like it never existed to benefit you.

Before paying off ANYTHING, it is best to dispute it FIRST to make sure it is reporting LEGALLY and ACCURATELY‼️ Whether it belongs to you or not doesn’t matter 👉🏾THE BURDEN OF PROOF IS ON THE CREDIT BUREAU, NOT YOU‼️ If it can’t be verified, by LAW it must be DELETED from your credit report.

05/25/2026

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