Erving & Co Credit Repair

06/23/2026

Here are the top 10 Credit Errors that are also in violation. Of FCRA:

1. Credit report shows balance due on a paid or settled account.

2. Credit report shows a balance after the Creditor discharged the debt and a 1099-C was issued.

3. Duplicate accounts in your credit report.

4. Debt Buyer and original Creditor both reporting a balance due.

5. Unknown account on your credit report.

6. A short sale listed as a foreclosure.

7. A debt discharged in bankruptcy reporting a balance due.

8. An account too old to report.

9. Mixed reports with someone with a similar name or lives at the same address.

10. An authorized user report shows all user activity, not just their activity.

If you need assistance with your credit or think you may have one of the above issues comment "Error"

06/23/2026

06/20/2026

💳 Ready to Fix Your Credit❓️
Let's Start With a Free Credit Analysis‼️
I’m now offering free personalized credit reviews to help you understand what’s holding your score back and how we can fix it. No pressure, no guessing just real solutions.

Click below to fill out the quick intake form, and I’ll follow up with next steps‼️

📲 https://docs.google.com/forms/d/e/1FAIpQLScQRzk7i5hknP-sjLLsuHb2lGqBTD-QtZ2s_ld9iW8lb4UkqQ/viewform?usp=header

Let’s build toward financial freedom 💼✨

06/19/2026

I’m a Credit Specialist, But I’m Human Too.Yes, I fix credit but I’m also a mom, a business owner, and someone who’s made financial mistakes too.
I know what it’s like to want better and not know where to start. That’s why I created a space for people to get help without judgment.If that’s what you needyou’re in the right place.

Drop a ❤️ if you’re working on healing financially too.

06/18/2026

21 days later.....

06/18/2026

They like to spread money on their arms...

I like to spread results. 💼📬💅🏾

Every envelope in this stack represents somebody who's tired of being denied.

Somebody who's tired of looking at the same collections, late payments, and negative accounts month after month.

Somebody who's ready for a different financial future.

People see the score increases and deletions and think that's the exciting part.

But honestly?

The exciting part is knowing someone finally decided to stop ignoring their credit and start doing something about it.

That's why you'll catch me at the post office with a stack of letters instead of a stack of cash.

One creates a moment.

The other can create opportunities.

Not fast money.

Just real moves.
One letter at a time. 📬💙

*Educational purposes only. Results vary. No guarantees are made.*

06/17/2026

Most people think the collection is the problem.

The truth?

Ignoring the collection letter is often the bigger mistake.

Swipe through 👀➡️

*Educational purposes only. Results vary. No guarantees are made.*

06/17/2026

“I paid for credit repair and my score still low”
A lot of people think fixing your credit means paying someone to magically delete everything on your report.

It doesn’t work like that.

Credit repair is really about:
✔️ Identifying inaccurate, outdated, or unverifiable information
✔️ Reducing debt and improving utilization
✔️ Building positive payment history
✔️ Understanding how lenders view your credit profile
✔️ Creating habits that keep your score healthy long-term

A higher score doesn’t always mean you’re mortgage-ready, and a lower score doesn’t always mean you’re denied.

I’ve seen people with decent scores get denied because of debt, collections, or recent late payments. I’ve also seen people with lower scores get approved because they had the right strategy.

Stop focusing only on the score and start focusing on the entire credit profile.

06/13/2026

Finally, I am about to get some ME time ✈️💙

And honestly… after everything that’s been going on lately, I needed this more than people probably realize 😩

Son good ✔️
House good ✔️
Responsibilities handled ✔️

Now it’s time for Mama to be good too 😌

One thing I’m learning in this season of life is you can not pour from an empty cup.

Sometimes, you really need to step away, reset your mind, breathe different air, laugh, relax, and just ENJOY yourself without feeling guilty about it 💙

Because whew 😭 life will have you so busy surviving that you forget you deserve moments to LIVE too.

So yes… this trip is definitely giving:
mental reset
peace restoration
protecting my energy
and minding my business 😌✈️✨

And baby let’s be honest… vacation really is my therapy at this point‼️ 😂💙

06/12/2026

Credit is not OPTIONAL anymore. Unlearn that‼️