Recent content by David garcia

Currently working toward Public Service Loan Forgiveness (PSLF) and I’ve been wondering how (or if) it actually shows up on your credit report while you’re in the process. I know my student loans are still there and marked as being in repayment, but I’m not sure if there’s any special notation...

SkyBlue was the only company that didn’t try to upsell me every two seconds. Straightforward, respectful, and yes aggressive with disputes

A good friend of mine is renting a place, and the letting agent requires a guarantor. I’m happy to help out, and I’ve just received an email from the agent outlining the process. They’ve asked for a credit check, along with three months of payslips and proof of property ownership, which I can...

During the pandemic, I went through a rough patch financially, and one of my credit cards ended up in court resulting in a judgment filed against me. Since then, I’ve been steadily paying it down and currently owe about $3,500. I’ve been thinking about getting a debt consolidation loan just to...

Used some sketchy “rapid repair” company on Facebook. They ghosted me after 2 emails and I’m out $150. Learn from my pain

Personally, I’d prefer a credit specialist who goes beyond just sending dispute letters someone who also provides guidance on budgeting, responsible credit use, and building long-term financial habits. That kind of support is far more valuable in the long run.

Does anyone else get skeptical when a credit repair company claims they can boost your score dramatically in just a few months? It really sounds too good to be true

I’ve been in that situation too. Wanting some financial privacy from your parents is completely normal, especially as you start managing your own money. Make sure your PayPal account is linked to your personal email and phone number, not any shared family ones. It’s a simple step, but it goes...

If you’re looking for a silver lining in this mess: the scammers probably put more effort into pulling off this scheme than you’ve put into organizing your entire week

Man, I tried one of those “Veterans Credit Something-or-Other” companies, and all they did was send out generic dispute letters. Honestly, I could’ve done the exact same thing on my own for free

I wouldn’t even click that link. It’s incredibly easy these days for someone to throw together a fake website that looks legit, add a basic form, and use it to collect sensitive info like your SSN. Unless you can fully verify the site’s legitimacy through official reviews, secure connections...

I’ve heard a mix of reviews about AAA some folks had success, while others said they got ghosted. Personally, I’d rather put that money directly toward settling collections instead of taking the risk.

Start by checking whether your negative marks are past the statute of limitations. If they are, you might be able to dispute and have them removed from your credit report. It’s a smart first step before opening any new accounts

this is exactly why I close out old cards I no longer use. Sure, it might slightly lower my average account age, but I’d rather deal with that than stress over random $12.37 charges sneaking through and messing with my credit. Peace of mind is worth it.

I’m not based in LA, but I had a good experience with Credit Glory. They helped remove old Sprint and Comcast accounts from my report. Just be mindful of the monthly fees they can add up.