If there is such thing as the beginning of the beginning, then the foundation of Upgrade My Credit begins a few years before we actually began as a company. My name is Blair Warner, founder and CEO of Upgrade My Credit, and here is my story. After a family tragedy between 2000 and 2003, I found myself left the only parent of four small children, and with thousands of dollars of medical bills and credit problems. Before that I had hardly paid attention to my credit report, since I had lived overseas much of the previous eight years, using only one credit card. If the aforementioned tragedy wasn’t enough, when I reviewed my credit reports I was shocked to discover that not only was I classified as having poor credit, but also many of the derogatory items were not mine or were being reported erroneously. In fact, a couple items were more than 12 years old. I started researching and learning how credit reporting agencies, often called credit bureaus, work, and the laws that govern credit reporting, like the FCRA – Fair Credit Reporting Act, as well as the laws governing how collection agencies and creditors work, like the FDCPA – Fair Debt Collection Practices Act, and discovered that there are more than 240 laws related to consumer credit reporting and collection. My most important discovery was that it was my right to request investigation of questionable items, commonly called a “dispute”. I became adept at the ways and processes inaccurate and outdated information could be successfully disputed, and applied my new knowledge to my own credit reports. As said above, there were many items on my credit reports that were not mine or were being reported inaccurate or outdated. I went through the process of having these items investigated, and eventually removed or corrected accorded to my rights. As a result, I was able to buy the house I now live in with my four children with a low down payment and low interest rate.
Only a short time later while a partner in a mortgage company, I found myself helping other people repair and rebuild their credit so that they could buy a home. Many people whom we initially had to deny a mortgage because of credit problems are now living in their own home instead of wasting money renting. As word got out, fellow mortgage loan officers, friends, and even family members began to recognize my expertise and vast knowledge of credit and asked for my help. And as they say, the rest is history.
Our Mission Statement
Upgrade My Credit exists to assist consumers who are adversely being affected from inaccurate or unverifiable information being reported on their credit reports repair and rebuild their credit, as well as offer ongoing education and support for keeping good credit, creating a personal budget, managing their debt well, and how to protect against identity theft protection. We endeavor to always perform as a reputable organization, leading our industry with high standards established on a foundation of integrity, character and commitment to obtaining the best results possible for each client that will contribute to reaching their financial goals that require good credit and debt management.