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I actually build these from scratch and just wrapped one up with a portal + lead form + Terms & Privacy pages baked in. DM me if you want to take a peek. That said, if you're starting fresh, consider focusing on a niche within credit repair—like student loan disputes or identity theft cases...

I don’t trust any company touching my credit. But i get that some people need the help. Just read the contract carefully and avoid anything that guarantees credit sweeps or new identities. That’s scam territory.

Did they charge you upfront? Or were they results-based? Because a lot of these so-called credit repair folks prey on people who are already struggling. Not trying to be negative, just cautious. I’ve seen family get burned with promises that never materialized.

This is actually super encouraging to hear. I’ve been sitting in the low 500s myself and honestly didn’t even think credit repair services were worth it. Most sound scammy af. But the fact they didn’t overpromise and you saw real results in under 3 months? That’s wild. Did they charge monthly or...

Shoutout to the one agency that actually knew how to handle credit education legally. So many just slap the word repair everywhere and get you flagged. Real pros help you stay clean and scale not get banned from Stripe.

Pro tip for anyone trying this route: Check your reports from all 3 bureaus (Experian, Equifax, TransUnion). Sometimes errors only show on one. I used Lexington Law once, but recently switched to a smaller firm that works faster. The big dogs move slow unless you’re VIP. Speed matters when...

Bro I literally stopped buying sneakers to get my utilization down. Worth it though jumped from 660 to 790 in a year. Still chasing that 800 mark, but this gives me hope. Big ups to you man.

Y’all remember store cards?“Save 15% today! Next thing you know you’ve got a dozen cards at 29% APR. I worked at a retail chain those cards were designed to trap impulse shoppers.

Totally agree! i had the same experience with Credit Wipe. They did get some results but it felt like i was paying a premium just for someone to email Equifax on my behalf. You’re paying for convenience more than anything else.

I tried 3 companies before finding Seminole and they were the most chill to deal with. They even sent me a monthly email summary which helped me track changes. Nothing revolutionary, but I liked the transparency. Just don’t expect miracles in month one. It’s a process.

Lead gen is cool but also think about retention. Can you turn one-time clients into subscribers? Offer free credit monitoring, monthly score updates, or weekly coaching. The more you serve, the more referrals you get. That’s real growth.

Lead gen sites sell the same leads to multiple people. That’s why they ghost you. Instead, run Google ads for keywords like fix my credit fast works better and you own the data.

I don’t trust myself with credit. It’s too easy to justify spending when you’re not seeing the money leave your account instantly. Debit forces accountability. I’d rather skip the points and sleep better.

I got approved at 685, but it was post-COVID and landlords were desperate......depends on the market. When vacancy is high they’ll overlook a lot.

I used to work at a big box bank (not Chase), and we were trained to not push business cards to the average customer. Most people don’t even know they exist or think they’re for corporations. Education is the issue, not the card value.

Judgments can live for years sometimes up to 10–20 depending on renewals. Even if not on your credit report, mortgage lenders check deeper databases. You're smart to get ahead of this before applying.

I ignored a collection call thinking it was a scam. Next thing I knew judgment, then garnishment. My score tanked before the garnishment ever started. If you're in it now the worst is already on your report.

I’ve been in this game since 2012. Aged leads work IF you have a strong nurture system. Don’t expect conversions from a cold email. Use a drip sequence, follow-up calls and always scrub the list for duplicates.

Some cards do a hard inquiry even if you’re prequalified. That ding might not be worth it if your score’s already fragile. Read the fine print people.

AFS helped me get one charge-off removed which was more than Lexington Law ever did. They weren’t pushy or scammy and i appreciated their transparency upfront. Just don’t expect overnight results. This stuff takes time.