Credit Cadabra – Tried Their 14–30 Day Credit Repair?

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alex 008

Member
I’ve been doing a lot of digging lately on ways to improve credit fast not because I expect miracles, but because I’m trying to clean things up before applying for a major loan in the next couple of months. In the process, I stumbled across a company called Credit Cadabra and what really caught my eye was their 14–30 day credit repair program. On the surface, it sounds great. They promote quick results, dispute handling, and even some legal support, depending on what’s on your report.

But like many of you i’m naturally skeptical of any service that promises a major credit boost in such a short amount of time. I fully understand that real credit repair usually takes time dealing with collections late payments or inaccuracies isn’t always a fast or easy process. So I don’t want to fall for a slick marketing pitch unless there’s some truth behind the results they claim.
 
I actually tried Credit Cadabra back in April. They did get one medical collection removed within three weeks, which helped my score bump by 40 points. But after that, it slowed down. I wouldn’t say they’re magic but they do have some hustle. It felt like a legit team was working behind the scenes—not just bots sending dispute letters.
 
Been working on my credit for two years manually and let me tell you......there are NO shortcuts. Deleting old addresses helped. Goodwill letters helped. But all took time. These services can’t do much you can’t do yourself unless they’ve got legal teeth or insider dispute channels, which is rare.
 
Gotta say, i’ve seen some clients use Credit Cadabra and the results vary wildly. One guy had 3 collections removed, score jumped 80 points. Another got zero changes and felt scammed. I think it depends on the age/type of debt and how dirty your report really is. But yeah buyer beware.
 
I tried them after a Reddit recommendation in January. They were communicative, and i appreciated that they didn't promise the moon. They managed to remove an old Verizon account I’d been fighting with for YEARS. So yeah they did something right. But $300 for that? Still on the fence if it was worth it.
 
My buddy used Credit Cadabra before applying for a mortgage. They helped clean up two errors and disputed a charge-off that eventually got removed. The 14–30 day claim? Kinda true in his case but i wouldn't bet on it working for everyone. YMMV big time with these kinds of services.
 
Anyone know what kind of legal support they offer? I saw that and it piqued my interest. Like… is it a lawyer actually helping or just legal templates they send? Because i’ve been burned by services that use big words to make basic stuff sound elite.
 
Honestly i signed up last month and they’ve been better than Lexington Law (which ghosted me after 45 days). Cadabra at least gives you a dashboard and weekly updates. My TransUnion score went up 19 points in 3 weeks. No miracles but steady progress.
 
Never used them, but the fast fix vibe always worries me. Fast usually = sketchy when it comes to credit. That said, if they’re working legally and just aggressive with disputes, it could work. Just don’t expect them to erase legit late payments.
 
I’m still skeptical about these services that claim to boost scores quickly. The credit bureaus have 30 days to respond to disputes. Even if they send stuff fast, there's no guarantee it’ll get resolved quickly. Feels like a gamble if you're on a tight timeline.
 
Used them in March. Disputed five items. Two got removed (small collections), one updated to closed. The others remained. Got a 50-point bump. So not bad but not a miracle either. Still better than trying to send letters myself with no clue.
 
I’m in the process now. They’re communicative, i’ll give them that. Got a welcome call, explained the timeline, and set realistic expectations. No deletions yet but it’s only day 12. Will report back if anything happens.
 
If your issues are mostly identity mix-ups or address errors, i’d say go for it. That’s where they seem to shine. But if you’ve got late payments or charge-offs, you’re probably better off negotiating directly with the creditor or working with a nonprofit credit counselor.
 
14–30 day credit repair? Sounds like Hogwarts for debt but for real, they probably just bombard the bureaus with dispute letters and hope for non-responses. That CAN work sometimes. Just don't be surprised if the same items pop back up later.
 
I had a friend go through their Turbo Dispute plan and he got three hard inquiries removed.....somehow. I didn’t even know that was a thing. He swears by them but i’m still scared of giving anyone access to my reports or SSN.
 
I got burned by another company promising fast results (looking at you, SkyTech or whatever). So now I’m just super cautious. Anyone here actually pull their 3-bureau report after Cadabra and see real deletions?
 
you can do a lot of this on your own. Credit Karma has dispute options, and so do the bureau websites. The value of Cadabra is convenience and speed...if you’re too busy or overwhelmed. But if you’re broke, DIY may be better.
 
I think they're a solid option if you’re close to a major goal...like getting under 30% utilization or clearing errors before a mortgage app. Just don’t sign up expecting 150-point jumps. No one can promise that ethically.
 
I saw some trustpilot reviews that were glowing and others that said waste of money. Mixed bag. Like most credit repair companies, you’ll see either they saved my life or they’re crooks. The truth is probably somewhere in between.
 
They got a charge-off marked as paid as agreed after 2 disputes. I didn’t even think that was possible. Still not deleted, but the note alone boosted my score. Not all wins are deletions.......sometimes reclassification helps too.
 
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