Strategic Credit Repair — Climbing Out of the 500s with Power
Let’s be clear:
A credit score in the 500s doesn’t mean you’re bad with money — it means the system hasn’t been challenged properly yet.
At The Sfields Group, we don’t just repair credit — we reclaim power. Because strong credit isn’t about vanity — it’s about access, wealth-building, and legacy.
If you’re ready to take your power back, start here:
1. Pull ALL 3 Reports + Freeze LexisNexis, SageStream, CoreLogic, and Innovis
Start at AnnualCreditReport.com to download your full reports from Equifax, Experian, and TransUnion.
Then request and freeze your files at these secondary bureaus:
Why freeze them? These bureaus supply background data to the Big 3. When you dispute negative items, freezing these sources prevents re-verification of bad or outdated info — and helps your challenges stick.
✉️ 2. Use Your Legal Rights: 609 + 611 Letter Strategy
These two sections of the FCRA give you the power to demand accuracy — or deletion.
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609 Letter: “Show me the original signed contract — or remove it.”
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611 Letter: “Reinvestigate this — it’s inaccurate or unverifiable.”
These letters hold both the credit bureaus and the original furnishers accountable. But the language must be intentional, not copy-pasted.
We can help you build them the right way — or you can use our Help Center to do it yourself with guidance.
3. Focus on Medical Debt & Collection Accounts First
Many medical debts under $500 must be removed from your reports due to updated industry rules.
For other collections, send a Pay to Delete letter — but only after you receive a written agreement confirming they’ll delete the account once paid.
These are often the easiest wins to clean up your report and shift your profile quickly.
You don’t have to do this alone.
Whether you want a full-service experience or you’re determined to DIY it with guidance — we support both.
Visit our Help Center for step-by-step instructions: thesfieldsgroup.com
Or schedule a call with us and we’ll walk through your credit repair strategy together.
This is bigger than your score — it’s about your future.
Wealth. Ownership. Legacy.
Let’s build it.
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