How I Increased My Score by 127 Points in 3 Months

*As told by Maria Gonzalez, Sable customer since August 2024*

Three months ago, I was at rock bottom. A Chapter 7 bankruptcy from 2022, six collections accounts, and a credit score of 498. Today, I'm at 625 and climbing. This is my story.

The Breaking Point

After my divorce in 2021, I was left with massive debt from medical bills and joint credit cards my ex-husband refused to help pay. Despite working two jobs, I couldn't keep up. The bankruptcy felt like my only option.

For two years after the bankruptcy, I thought my credit was permanently destroyed. I couldn't even get approved for a secured credit card. Apartment hunting was humiliating—rejection after rejection. I was paying $400 extra per month for a subpar apartment because it was the only place that would accept me.

Finding Hope

I discovered Sable through a Facebook group for people rebuilding after bankruptcy. Honestly, I was skeptical. I'd already wasted $600 on a credit repair company that did nothing for three months except send generic letters.

But Sable's free trial changed everything. Within minutes of uploading my credit reports, the AI had identified:

- 3 accounts that shouldn't have been included in bankruptcy

- 2 duplicate collection accounts

- 5 inaccurate balance reports

- 11 unverifiable inquiries

My First Month

I started with Sable's recommended strategy: dispute the most obvious errors first.

Week 1: Sent disputes for the duplicate collections to all three bureaus

Week 2: Disputed the accounts incorrectly included in bankruptcy

Week 3: Followed up with creditors directly using Sable's templates

Week 4: First victories! Both duplicate collections removed from Equifax

Month 1 Result: +47 points (498 → 545)

The Breakthrough Second Month

This is when things got interesting. Sable's AI noticed patterns in how the bureaus were responding and suggested a different approach.

Instead of disputing everything as "not mine," we switched to:

- Method of verification requests

- Procedural challenges

- FCRA compliance disputes

The bureaus couldn't properly verify three of the collections. By day 45, they were gone.

Month 2 Result: +52 points (545 → 597)

Month Three: Momentum

With my score approaching 600, I qualified for a secured credit card. Sable helped me:

- Choose the right card (one that graduates to unsecured)

- Calculate optimal utilization (keeping it under 10%)

- Time my application for maximum approval odds

I also used Sable's goodwill letter template for two late payments from before my bankruptcy. One creditor agreed to remove them!

Month 3 Result: +28 points (597 → 625)

The Real-World Impact

This 127-point increase has already changed my life:

- Approved for a real credit card (unsecured, $1,500 limit)

- Refinanced my car (payment dropped from $427 to $289)

- Qualified for a better apartment (saving $400/month)

- Total monthly savings: $538

That's $6,456 per year back in my pocket!

What I Learned

1. Bankruptcy Isn't the End

Yes, it stays on your report for 10 years, but you can still reach 700+ with the right strategy.

2. Knowledge is Power

Understanding WHY disputes work made me more confident and effective.

3. Persistence Pays

Some items took three rounds of disputes. Don't give up after one denial.

4. Small Wins Add Up

Every deletion, every goodwill adjustment, every point matters.

5. AI Makes a Difference

Sable caught things I never would have noticed and suggested strategies I didn't know existed.

My Advice to Others

Start Now: Every day you wait is a day you're not rebuilding.

Upload Everything: Give Sable all your credit documents. The AI finds opportunities you'll miss.

Follow the Plan: Trust the process, even when progress seems slow.

Track Everything: Screenshot your scores monthly. Seeing progress motivates you.

Join the Community: The Sable Facebook group provided invaluable support and tips.

What's Next

My goal is a 720 score by next summer. With Sable's help, I'm:

- Disputing remaining collections

- Building positive payment history

- Keeping utilization under 10%

- Adding one more credit account in 3 months

The Bottom Line

Three months ago, I felt hopeless. Bad credit controlled every aspect of my life—where I lived, what I drove, how much everything cost. Today, I have hope and a clear path forward.

If you're reading this thinking your situation is too bad, that you've made too many mistakes, that it's too late—you're wrong. I'm living proof that with the right tools and determination, you can transform your credit and your life.

Sable didn't just help me dispute items on my credit report. It gave me control over my financial future. For $79 a month (less than I was paying the useless credit repair company), I got my life back.

My only regret? Not starting sooner.

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*Maria is a real Sable customer from Phoenix, Arizona. Her results, while typical of successful users who follow our strategies, are not guaranteed. Individual results vary based on credit history and effort applied.*

Ready to write your success story? Start your free Sable trial today.