Dear Rosalind,

I wanted to thank you again for all of your help in getting me in good shape credit wise to get my home equity loan.

Your knowledge was invaluable in helping me understand how creditors view and interpret my information. Your advice on how to restructure my debt from unsecured revolving to installment loans was invaluable.

I still can’t believe that a mortgage loan officer at a major commercial bank here in Atlanta gave me such inaccurate advice. As you explained, by paying off and closing my accounts I actually caused my credit score to decrease instead of increase. I should have just paid them off and left the accounts open. That is the last time I take advice from a banker on credit issues!

Thanks again for all of your help. I have recommended your services to several friends that you will be hearing from soon.

Best Regards,

Garrard A.