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What's a Credit Report?

Learn what is, and what is not, included in a credit report.

Your success is our success.  See what past clients are saying about their

experiences with Guiding Hands below

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January 9, 2012

In December of 2010, I had to file bankruptcy after going through a divorce earlier that year.  In July of 2011, my daughter discovered she had derogatory information on her credit report.  She contacted me as she didn’t understand how this could happen if she had never had any type of “credit”.  When we explored it further, we found that two of the credit card companies that were involved in her father and my bankruptcies, were reporting on her credit report.  When my daughter was a teenager, we allowed her to be an “authorized signer” on our credit card in case she needed to use it for an emergency/gas, but I couldn’t recall if she had ever used it.  I called one of the credit card companies to attempt to resolve the issue myself.  They were immediately defensive and argumentative and told me it didn’t matter that she was a minor, or that it wasn’t her credit card, that she would be held accountable to this derogatory credit.    I called my bankruptcy attorney and he referred me to Shawn Stewart at Guiding Hands.  What a relief!  They started on her case immediately and had resolution for her by the end of the second month.  I didn’t have the time or the knowledge to fight the companies on my own and after my short attempt to speak to someone, I had a feeling it was best left to the professionals.There are some issues surrounding bankruptcy that are quite complicated.  I am so glad I was referred to Guiding Hands.  As a parent, the last thing I wanted was to see my daughters credit affected through no fault of her own.  She now has a completely clean credit report.

 Paige Brain - Puyallup Washington

Date:  12-29-11

Guiding Hands helped me reach my goal of buying a home.  The staff did an excellent job in helping me to achieve my goal!  They were very friendly and helpful!

Roselyn De Madrid - Kent Washington

Date:  9-25-11

I'm happy to inform you that Ron and I are under contract on a house. Our credit score is now high enough to qualify for an FHA or USDA home loan, which was our ultimate goal in utilizing Guiding Hands Credit Services.

I can't thank you, Cobi and the rest of the GH staff for helping make our dreams come true! We will continue to highly recommend this agency.

Patt & Ron Lange

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9-1-11

A few years ago my husband and I took a serious look at our financial situation and were convicted about how irresponsible we had been.  At that point we decided to make a concerted effort to address our indebtedness and ameliorate our credit.  Around the same time we learned about Guiding Hands www.guidingyourcredit.com .  My husband's credit score work and discipline, Guiding Hands has played a principle role in helping us improve our financial position and ultimately, our quality of life.  Thank you Guiding Hands...
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Many circumstances are tasked with challenging us; to show us where our faith is fundamentally seated.  

by Mark and Mary Williams - Lubbock Texas
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Date:  8-13-11

Thanks Guiding Hands.  Your service was excellent.  It allowed me to buy my first home.

Thanks so much,

Anne Williams - Bellevue WA

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Date:  8-8-11

Dear Guiding Hands Credit Repair:

I am so pleased with your services.  I can not believe that you got all but one item deleted from my credit report.  Great Job.  Before you took over, I had been trying to get it done myself but I didn't make any progress.  Great Job!

Theresa Leslie - Lake Tapps, WA

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Date:  8-15-11

I had a great experience with Guiding Hands.  I hope I never have credit problems again,

but if I do, I will call on Guiding Handsagain, they did a terrific job!

Thank you for all that you have done,

Tim and Mary Wood - Tacoma, WA

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8-18-11

You guys did a great job fixing my credit so that I could buy a home.  I am so happy to be

a homeowner!!!

Nichole Garcia - Tacoma, WA

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8-23-11

Thank you Guiding Hands,

Being financially responsible is hard enough without the knowledge of credit report

ramifications. Guiding Hands took the time to educate me as well as give me feedback

on the step by step process on how to improve my credit. As a team Guiding Hands

and I worked together to fix my credit.  I was amazed at how well Guiding Hand's process

went!

Karen Kahklen - Dallas, TX