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Honestly the biggest fairies are the people who helped me understand why my credit was bad. My therapist even helped turns out, some of it was rooted in trauma around money and survival. Heavy but real.

I had a weird experience with Mazuma....my card got flagged for suspicious activity every time I used it out of state, even when I notified them. App was clunky too. Switched to Credit Union of America and haven’t looked back!

Include a section called Who This Is For. Lay it out. If you’ve been denied a loan, rejected for a rental, or paying sky-high interest rates.... this is for you. Speak to their reality.

Can’t speak for the certifications but i got their consumer guide at a financial literacy event. It was more useful than half the influencers on TikTok.

I had a decent experience. They were transparent about pricing $99 setup then $89/month. Got a 38-point boost over 6 months. But you still need to manage your utilization and payments. They’re not wizards, just helpers.

Been with them since March. They were slow at first but once i escalated my ticket, i got some movement. Got two late payments removed that were seriously hurting me. Not a miracle cure but better than nothing.

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.

Former property manager here: It depends on our mood and the applicant pool tbh. If you’re a great tenant and rent’s always on time, we’re more lenient. But fair housing laws mean we have to evaluate them equally. If the credit is too low, we might require a guarantor or deny the addition.

Used a guy who ghosted me after 2 disputes and $500. Now i just use Credit Karma, YouTube videos, and coffee. At least those are free.

One thing I never see is a section asking about emotional relationship with credit. Like, do they get anxious checking their score? Do they avoid calls from collectors? That mindset stuff matters. If they’re terrified of bills, that’s a whole psychological layer you gotta address too.

Their approach is soft dispute letters + follow-up, not aggressive tactics. That’s good for avoiding legal gray areas, but slower.

If you’re overwhelmed, start with Client Dispute Manager or DisputeBee. They handle a lot of back-end stuff and are CRA-compliant. Doesn’t make you an expert, but it’s a huge leg up when starting small and solo.

Credit wrecked my 20s. I wish someone had taught me about layaway as a teen. Instead i was swiping for sneakers and paying double by the time i finished.

If you’re even halfway motivated, you can do 90% of what these companies do using free templates and a printer. Dispute via certified mail, keep records, and follow up. That’s it. I used to work at one of these places .....half of it is automation. They bank on you not knowing your rights under...

I actually had a lender tell me to just keep collecting payments from them directly when i asked about a transfer. Like thanks for the life advice, bro but that’s not what i wanted to hear. You’d think there would be more flexible systems for stuff like this.

Honestly, be straight-up. You’re not doing anyone any favors by sugarcoating it. Explain the situation, how you’re working on improving your credit or income, and have a clear plan for repayment. People respect a solid plan. Also, don’t ask anyone who can’t afford to take the hit if it goes...

Set your credit card payment date to 3–4 days before the statement closes. That way your balance reports low to the bureaus even if you still use the card. It’s a reporting game.

credit repair is modern snake oil in many cases. The good companies are just glorified dispute senders. The bad ones are scammers. You’re better off watching a few YouTube videos and diving in. Seriously. I fixed my credit while binging Game of Thrones.

Love that you're trying to do this ethically. One thing to remember is that Texas requires registration as a Credit Services Organization before offering paid help. Also, they want you to carry a surety bond of $10,000 minimum which can cost around $100–$200 annually depending on your credit...

Yo if anyone tries to charge you before doing work, that’s a red flag. FTC rules say credit repair orgs can’t demand upfront payments. Had a friend who paid $300 up front and the place vanished. Filed a BBB complaint but never got a refund.