WARNING: APPOINTMENTS ARE EXTREMELY LIMITED!
NOW IS THE TIME TO GET
YOUR CREDIT REPAIRED!
NOW IS THE TIME TO GET
YOUR CREDIT REPAIRED!
We Have A PROVEN Track Record of
Generating Results In As Little As 30 - 45 Days!
"Herman with Transform My Score is the real deal. My score went up over 100 points within 90 days. I was approved for an apartment."
- Thomas Ford
Real Results!!!
Ryan Had $17,907.81
IN CREDIT CARD DEBT REMOVED
Michael Had $15,000 IN CREDIT CARD DEBT Deleted
STEVE Had 100% OF HIS STUDENT LOANS ($24,368.12 TOTAL) DELETED
Destiny had a $10,000 Discover Card Account Removed!
Talia Had $528.18 In Medical Debt Removed!
Angel Had $2,000.00+
IN CREDIT CARD DEBT REMOVED
Jamal's Fico Score Went Up 176 Points!
Will Had $4,376.39 In Credit Card Debt Removed!
We've Been Successful in Removing:
Late Payments
Collections
Charge-Offs
Student Loans
Hard Inquiries
Bankruptcies
"They removed 2 repo's and an eviction from my credit report. I was just approved by Capital One Auto finance"
- Mr. Bates
Why I Created Transform My Score
Have you ever felt that cold dread in the pit of your stomach when you’re told, "I'm sorry, your credit isn't approved"?
I have. And let me tell you, it’s a feeling I wouldn’t wish on my worst enemy. It’s more than just a financial setback; it’s a blow to your dignity, your ability to provide, and your hope for the future.
My name is Herman (Karl), and I’m the founder of
Transform My Score. Our tagline, and our promise to you, is:
"Transform your score. Transform your Future."
But before I tell you how we make that happen for people every single day, I need to share a bit of my own story. Because, you see, I wasn’t born a credit expert. Far from it.
The Weight of Bad Credit: My Story
There was a time when my own credit was… well, a disaster. It wasn’t just numbers on a page; it was a constant source of stress, shame, and missed opportunities. I remember it like it was yesterday…
My wife was in pain, needing a crucial dental procedure. We went to the specialist, got the treatment plan, and then came the moment to discuss payment. When they ran my credit for financing…
denied
. The humiliation, the feeling of failing her when she needed me most… it was crushing. I had to watch her endure pain longer than necessary because my financial past was holding our present hostage.
It didn't stop there. Another time, her car tires were dangerously worn. We’re talking threads showing, a real safety hazard every time she drove. I went to the tire shop, picked out a good, safe set, and when it came time to pay, I tried to get a simple store credit line.
Denied. Again.
I had to scrape together what little cash I could, opting for cheaper, less reliable tires than she deserved, all because my credit score was a wall I couldn't seem to climb. Every time she pulled out of the driveway, a knot of worry tightened in my chest.
These weren't just inconveniences. This was my life. Being turned down for the car I really wanted and having to settle. The sky-high interest rates on any loan I
could
get, feeling like I was being punished over and over. The dream of owning a home? That felt like a cruel joke.
Bad credit was like an invisible chain
, limiting my choices, dictating my family’s well-being, and dimming our hopes for the future. I felt trapped, frustrated, and honestly, pretty hopeless.
The Turning Point: From Desperation to Dedication
But one day, something snapped. I decided I wasn’t going to be a victim of my credit score anymore. I was going to understand it. I was going to conquer it. And so began a journey that spanned several years – years of relentless study, of digging deep into the complex world of credit reporting, scoring models, and consumer law. I didn’t just want to fix my credit; I wanted to master the entire system.
I spent three years and paid several thousand dollars to some of the best credit repair experts in the industry. I learned all the high-level techniques and tactics, and I became a
Certified Credit Repair Specialist
, arming myself with official knowledge and strategies. But I knew, even then, that true mastery wouldn’t come from certifications alone. It would come from real-world, multifaceted experience.
Why My Background is Your Unbeatable Advantage: Why Transform My Score is Unmatched
And that’s where my unique journey truly sets
Transform My Score
apart from every other credit repair service in America.
You see, before dedicating my life to helping others transform their scores, I lived and breathed the financial world from nearly every conceivable angle:
🏡 As a Realtor:
I saw firsthand how credit scores made or broke dream home purchases. I sat with families whose hopes were shattered by a few negative marks, and I celebrated with those whose strong credit opened the doors to their future. I understand what lenders are
really
looking for, beyond just the credit score.
🏦 As a Former Mortgage Broker:
I was on the inside of the lending decision process. I didn’t just see the application; I understood the underwriting guidelines, the risk assessments, the way banks think. I know what makes an application sail through and what makes it sink.
🚗 As an Auto Finance Manager:
My time here was an education in high-pressure credit decisions. I saw how credit impacted not just the ability to get a car, but the rates, the terms, the monthly payments that families had to bear. I learned the ins and outs of auto lending, a critical piece of most people's credit profiles.
📞 As a Debt Collector:
Now, I know what you might be thinking, but this experience was invaluable. It taught me the exact tactics, the strategies, and the legal frameworks that creditors and collection agencies operate within. I learned their playbook, which means I know how to strategically challenge them and protect your rights.
Think about it: a Certified Credit Repair Specialist who also intimately understands real estate transactions, mortgage underwriting, auto finance intricacies,
AND
the debt collection industry. This isn't just a list of past jobs; it's a unique convergence of expertise that has forged a true
credit repair dynamo
. I don’t just see one piece of the puzzle; I see the entire board, from every player’s perspective. This comprehensive, 360-degree understanding of the credit ecosystem is what allows
Transform My Score
to provide the absolute best, most effective credit repair service you’ll find. We don't just send generic dispute letters; we craft targeted, intelligent strategies based on a depth of knowledge that few can match.
Transform My Score: We Don't Just Fix Credit, We Transform Lives
And that brings me to why I founded
Transform My Score
. It wasn’t just to help people get a few more points on their credit report. It was, and is, to help people fundamentally
Transform their score. Transform their future.
We believe that your credit score is more than just a number. It’s a key that can unlock the door to your dreams:
The dream of owning a safe, beautiful home for your family.The dream of driving a reliable car that doesn’t break your budget with outrageous interest.The dream of financial peace of mind, knowing you have options and opportunities.The dream of providing for your loved ones without that constant knot of financial stress.
That’s what we do here. We help you turn those dreams into reality.
The Homeownership Hurdle: More Than Just the Score
You see, even with a greatly improved credit score, many people hit another wall:
the down payment and closing costs.
It can feel like you’ve climbed one mountain only to find another, even taller one, standing in your way. Saving tens of thousands of dollars can seem impossible for many hardworking families.
This is where so many credit repair services stop. They get your score up, and then you’re on your own to navigate the complex and often overwhelming world of home financing.
But at Transform My Score, because of my deep experience as a Realtor and former
Mortgage Broker, we don’t just leave you at the doorstep of your dream we help you walk through it.
Unlocking Hidden Doors: My Down Payment Assistance Expertise
Over my years in real estate, I’ve become an expert in navigating the landscape of
down payment assistance (DPA) programs
. These are incredible resources that many aspiring homeowners simply don’t know exist, or they don’t know how to qualify for them.
Here’s the exciting part: there are programs out there – local, state, and even federal – that can provide
up to $35,000 or even more
towards your down payment and closing costs. Imagine that! This isn't a loan you necessarily have to pay back in the traditional sense; many are grants or forgivable loans after you’ve lived in the home for a certain period.
How We Make "Less Than $1,000 to Move In" a Reality
So, how does this translate into getting clients into homes for less than $1,000 out of pocket? It’s a powerful combination:
We Transform Your Score: First, we do what we do best – meticulously work to repair and rebuild your credit profile. This is crucial because a better credit score is often a key eligibility requirement for the most generous DPA (Down Payment Assistance) programs. Lenders need to see you’re a responsible borrower.We Strategically Target DPA Programs: Once your credit is optimized, my Realtor and mortgage background kicks in. I know how to identify the specific down payment assistance programs that you’re most likely to qualify for based on your income, your desired location, and other factors. We don’t just hope you find one; we actively guide you to them.We Help You Navigate the Application Process: Applying for these programs can be complex. There’s paperwork, specific requirements, and deadlines. Because I’ve been through this countless times with homebuyers, we can help you understand what’s needed, ensuring your application is strong and complete.The Result? Minimal Out-of-Pocket Expense: When you combine a significantly improved credit score (which means better loan terms and lower private mortgage insurance, if any) with substantial down payment and closing cost assistance, the amount of cash you actually need to bring to the closing table plummets. We’ve seen it time and time again: clients who thought homeownership was years away are suddenly holding the keys to their new home, having spent less than $1,000 to move in.
Think about that. Less than the cost of a security deposit and first month’s rent on many apartments.
This Isn't Just a Possibility – It's a Proven Strategy
This isn't a gimmick. This is the result of combining top-tier credit repair with in-depth, practical knowledge of the real estate and mortgage industry. It’s about understanding the
entire
journey to homeownership, not just one piece of it.
When you work with
Transform My Score
, you’re not just getting a credit repair specialist. You’re getting an advocate with the unique blend of skills to help you overcome multiple hurdles on the path to owning your home.
Transform My Score: Our Comprehensive Programs
Transform My Score Offers So Much More Than Your Average Credit Repair Company
🏡 Home Purchase Program: Buy your dream home with expert credit guidance, lender connections, and approval prep.
🚗 Vehicle Approval Program: Drive the car you deserve — no more denials or outrageous interest rates.
🏘️ Rental Approval Program: Get approved for the place you want — even with past evictions or credit issues.
📈 Credit Builder Program: Boost your credit fast using proven strategies like pledge loans, secured cards, and tradelines.
🎓 Financial Education Program: Master your money with courses and coaching that simplify credit, budgeting, and wealth-building.
⚖️ Debt Collector & Civil Lawsuit Guidance Program: Protect your rights and beat debt collectors — get support with debt validation, settlements, and lawsuits.
💰 Get Up To $35,000 in Down Payment Assistance Program: Turn homeownership into reality with access to local, state, and federal grants and assistance programs.
No generic letters. No cookie-cutter plans. No Illegal Credit Sweeps.
Just surgical, strategic credit transformation from someone who’s seen all angles. Transform My Score is the best credit repair program in America and is available at an affordable price. Lock in now before prices increase. We offer a 100% money-back guarantee. If you don't see results, then you don't pay. Period! That's my personal promise to you.
Your Invitation: Take the First Step to Your Transformation
If my story, or the stories of our clients, resonate with you… if you’re tired of being held back by your credit score… if you’re ready to stop feeling the frustration, the shame, the limitations… then I invite you to take the first step.
It’s time to stop letting your past dictate your future. It’s time to explore what’s possible when you have a dedicated, uniquely experienced expert in your corner.
I’m inviting you to book a
free, no-obligation consultation
with one of our credit specialists.
During this call, we will:
Listen to your story and understand your unique situation and goals. Provide an initial, honest assessment of your credit situation. Explain exactly how our unique approach, built on years of diverse, real-world financial experience, can help you. Outline a clear, potential roadmap for your credit transformation.
There’s no pressure. No hard sell. Just a genuine conversation about how we can help you
Transform your score. Transform your future.
Herman (Karl) Moxley
President of Transform My Score
Transform My Score is the best credit repair program in America and is available at an affordable price. Lock in Now before prices increase. We offer a 100% money back guarantee. If you don't see results then you don't pay. Period!! That's my personal promise to you.
TRY IT RISK FREE
100% Money Back Guarantee
I built Transform My Score to be the #1 Credit Repair Service in America! If you don't get real results with our service. You don't pay.
New Home Owners We Helped!!
"Transform My Score changed my life! I thought I would always be a renter. When Herman said he could help me fix my credit and get the money for the down payment I didn't believe it. Thank you so much !" -Ricky Powell
Herman with Transform My Score was amazing and I highly recommend him to anyone who's interested in increasing their credit scores. Our credit was terrible, but Herman was able to get us qualified to buy a home in 6 months" - The Jones Family
"We are thrilled we were able to buy a new home for our 3 girls. Herman was so understanding and knowledgeable. We even used a down payment program to cover our down payment and closing costs" - Jon & Barbara
Kleczynski
THE PROCESS:
Step 1: Credit Analysis
We go over your credit report with you to find negative items that are inaccurate, help you understand the process of credit repair, and prepare a plan of action with you to improve your credit.
Step 2: Dispute/Build
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score using our legal team. We go a step further than other credit repair companies by creating a custom plan to help build your credit.
Step 3: Track Progress
Sitback and let us handle the work. You can see your client portal 24/7 for live status updates on improvements on your credit report.
Step 4: Credit Restoration
We will do our best to maximize your results using our custom tactics on the bureaus so you can restore your credit and achieve your credit goals.
*You will also get a FREE CONSULTATION on how to maintain your awesome credit long after our work together is done.
Step 1: Credit Analysis
We go over your credit report with you to find negative items that are inaccurate, help you understand the process of credit repair, and prepare a plan of action with you to improve your credit. We also offer another step that most credit repair companies simply do not provide. We create a customized action plan that shows you exactly what steps you need to accomplish to reach your goal.
Step 2: Dispute
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score using our legal team.
Step 3: Track Progress
Sitback and let us handle the work. You can see your client portal 24/7 for live status updates on improvements on your credit report.
Step 4: Credit Restoration
We will do our best to maximize your results using our custom tactics on the bureaus so you can restore your credit and achieve your credit goals.
*You will also get a FREE CONSULTATION on how to maintain your awesome credit long after our work together is done.
We Get Results!
Don't Believe Us?
Check Out These Reviews
From Our Past Clients...
APPLY BELOW TO SEE IF YOU QUALIFY!
If You Are Approved, You Will Become Apart of The Transform My Score Family & We Can Get Started on Boosting Your Score & Your Future!
FAQ's
How Does Credit Repair Actually Work?
Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report.
Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization(the percentage of debt you have to available credit)