Guarantor Collections Held Her Back—Until She Took Control

melanieg022015
8 minutes ago
2 min read

If you've been spinning your wheels trying every credit fix under the sun—with little to no change in your score—you're not alone.

Meet Tasha.

She had tried everything: phone calls to collectors, random letters from the internet, and even paid a credit repair company for six months. Nothing moved her score. What was holding her back?

A collection she didn’t even cause—because she co-signed someone else’s loan.

Yep. Tasha was listed as a guarantor, and when that person defaulted, the collection ended up on her credit report.

But everything changed the moment she joined the Elite Credit System (ECS). Here’s the exact strategy that helped her go from “stuck and frustrated” to “finally making progress”:

Elite Credit System

✅ Step 1: Pull a Full Credit Report

The first step is to stop guessing and get clarity. Inside ECS, members get guided access to all three credit reports in one place—without hurting their score. Tasha found three negative items she didn’t even realize were still active—including that old guarantor collection.

✅ Step 2: Dispute the Collection

Once she identified the issue, she learned how to properly dispute it—not through generic online forms, but with personalized strategies that meet legal standards. Guarantor collections can be tricky, but if the debt collector can’t prove you were properly notified or didn’t follow FDCPA rules, you have the right to dispute it.

✅ Step 3: Use Our Collection Dispute Letter Template

Tasha used one of the ready-to-go dispute templates from the ECS portal. These aren’t cookie-cutter letters—they’re crafted based on real, proven outcomes. Her letter challenged the accuracy and validity of the debt, requested debt verification, and demanded correction if proper documentation wasn’t available.

💬 “I was shocked when the collection was deleted in just a few weeks. I’ve been trying for years!” — Tasha W., ECS Member

✅ Step 4: Get Support from the ECS System

Tasha didn’t have to do it alone.

As an ECS member, she had access to:

✅Saturday group coaching sessions

✅A supportive credit community

✅Personalized feedback from Sherry Beckley and the ECS team

✅Tools for building new credit while repairing old damage

What Happened Next?

Her credit score jumped over 90 points in just 45 days. She’s now pre-approved for her first credit card in years—and she didn’t have to pay hundreds for someone else to do it for her.

Ready for Your Turn?

If you’ve been dealing with:

❗Collections as a guarantor ❗Charge-offs and hard inquiries

❗Confusion around what to dispute

❗Feeling like nothing’s working

👉 It’s time for a real system that works.

✅ Learn how to pull all 3 reports

✅ Use our proven letter templates

✅ Join coaching calls and get support every step

✅ Take control of your credit—on your time

🎯 Join the Elite Credit System today and finally stop guessing.

Still unsure?