Search results

We used a company called Credit Rx Solutions in Orland Park, which is super close to Tinley. My wife’s credit jumped almost 100 points in 5 months. They were transparent about what they could and couldn’t remove. No magic promises, just solid dispute letters and follow-ups. It cost us about...

If you already helped friends, you're ahead of most. Try freelancing sites like Upwork or Fiverr to get your first real client. It adds credibility. Then build a simple website and start a blog or Instagram. Content = trust. Even a few tips a week helps you seem legit. SEO is slow but worth it...

Anyone saying they make $50k/month with just a laptop and “a dream” is probably selling a course, lol. I've been around this space and yeah, you can make good money, but it’s not passive. Client disputes are repetitive, people ghost, chargebacks happen and credit bureaus drag their feet. It’s a...

I used Ocean State Credit Fixers back in 2022 after a divorce wrecked my finances. They weren’t miracle workers, but they helped me dispute a bunch of outdated collections and coached me on rebuilding. Took about 7 months to see serious results. My score jumped from 540 to 690. Not bad! They...

I did DIY repair for 6 months and saw more progress than my sister who paid $1200 for a repair service. The difference i cared more about the outcome. No one will fight for your credit as hard as you will.

I remember being 22, broke, and taking out a payday loan to cover my car repair. Thought I’d just pay it back in two weeks. Spoiler: I couldn’t. Took me 6 months, 5 renewals, and hundreds in fees. It destroyed my credit for years. If I’d just put it on a credit card, I’d have paid a fraction of...

I did a session with a financial therapist (yes, that’s a thing). She wasn’t a detailer per se but she helped me understand how my money trauma played into ignoring my credit. 10/10 would recommend for emotional + financial clarity.

Tried them back in 2023 and honestly… meh. It wasn’t awful but also not worth the $89 a month I was paying. I got better results using the DIY method from r/personalfinance. That said, they were polite and never shady with billing. Just too slow and cookie-cutter for me.

Worked with a local woman named Tanya not sure if she still runs her business who helped me dispute 5 old collections from when i was in college. Cost me $150 flat and took 3 months. She didn’t guarantee anything but was honest as hell. Wish i had her number still crying

My sister thought the same thing when she sold last year! She had two charge-offs and a car repo on her credit, was totally panicking. But nobody involved in the sale even mentioned her score. She got through the sale fine and even used some of the proceeds to pay off her car loan. If your...

Honestly it depends on where you live too. Some states (like California) have restrictions on when employers can even check credit. Unless you’re applying for high-level financial roles or government security clearance.......i wouldn’t lose too much sleep. But yeah if you’re in a state that...

I’m intrigued. Been working as a loan processor and thinking about pivoting to something more independent. I already understand the credit system and dispute process. DMing you now.

I tried them last year before buying my home. Score went up about 75 points over 6 months. They got a repo removed, and that was huge. Not cheap but i guess peace of mind costs money. I'd recommend them especially if you're trying to qualify for FHA.

I used a guy named Rick over at Vegas Credit Doctor. Super small operation, but dude really knows his stuff. He walked me through my entire report and explained what could actually be removed and what was just aging out. He charged me per deletion, not per month, which honestly kept me...

Anyone know if using debit cards more often affects your score? i always pay in full but was told to use credit often. Trying to build responsibly but don’t wanna screw it up.

Y’all sleeping on Credit Versio. Not Atlanta-based but worked better than the two ATL agencies i tried. It’s DIY but smart. Uses AI to track and update letters for you. I removed 3 old collections using it and no monthly bill either.

I used Clean Credit Solutions near Havana St. and i was pleasantly surprised. They walked me through everything, were patient with my million questions and didn’t make me feel dumb. My score improved enough to get me into a better apartment within 3 months. Didn’t feel scammy like others i...

The pre-app trap got me too, mate. Honestly, it's borderline deceptive. You think you're being responsible, checking options, and the system punishes you for not blindly applying to one bank. Anyway time will heal. Just don’t touch your score again for a while.

Been with them for 6 months. They’ve removed two things off my Equifax report and one from TransUnion. Experian? Still the same. It’s frustrating, but they’re trying. It’s slow and steady but i’ve gained about 50 points total. Just don’t expect your score to explode overnight.

Avoid offering pay per deletion. It sounds good to clients but gets you into hot water legally. The CROA has strict rules about upfront payments and making false promises. You want your business to survive long-term, not get buried under fines. Offer monthly memberships instead keeps you...