A conversation with the founder of Credit Reversal Guru

A conversation with the founder of Credit Reversal Guru
Credit Reversal Guru founder George Cole. (Photo courtesy of George Cole)
Credit Reversal Guru offers an innovative way to reverse credit instead of deleting or removing negative items. A credit reversal example involves someone who has a repossession charge due to foreclosure or default on a student loan. Instead of trying to remove it, Credit Reversal Guru works to help reverse it to reflect paid as agreed never late with a zero balance. This is equivalent of having an F grade on your report card and changing it to an A grade. You keep the credit and your grade point average goes up. Credit Reversal Guru founder George Cole answered rolling out’s credit questions.

What other services does your company offer clients?

We do credit restoration based on what Fair Isaac Corporation thinks and conveys to the lenders. We’re in front of the game. FICO did not expect us to be this smart. Credit reporting agencies did not expect us to outthink them. We’ve tapped into their thinking to provoke the highest potential of a score that a consumer could ever imagine.

What is your advice for maintaining good credit during a pandemic?

Let’s say a person called their mortgage company in March 2020 to get help with payments. We are now in May 2021, and that person is at Pappadeaux Seafood Kitchen every night. What they don’t realize is you’re adding money to your principal mortgage plus interest. They are still calculating your payments. That service is not free. You’re just getting a pass. If you can’t make a $500 payment, send them $150 or $250 to help keep the debt down.

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