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agreed! i used to think PLR was cheating but when you’re solo and trying to scale, it’s a life saver. Especially for non client facing stuff like internal SOPs or onboarding docs.

This might actually warrant getting a consumer protection attorney involved. If this mistake costs you a job or housing you could have a real case. Don’t let them get away with this.

Was shocked how many small balances were killing my score. Paid off a $12 balance and my score jumped 18 points. Micro balances matter! Especially on cards with low limits.

Used Credit Glory as they’re not local but responsive over phone and email. Not a miracle worker but they helped me clean up medical debts and get my score from 540 to 660 in 8 months. Still a work in progress.

I used Sky Blue about two years ago and honestly they’re no frills but effective. Got about 7 negative items removed over 6 months. Their support team was super responsive which i can’t say for other services i tried. no upsells or weird fees.

It’s tempting when you’re desperate. I was facing eviction and tried a sweep. It didn’t work, cost $600 and my landlord still saw the evictions in public records. Wish i would saved the money for rent.

Ever thought about Summit Credit? Peak symbolism is strong. also check if the domain is available before you fall in love with the name.

I signed up with Brightside back in early 2023. Took about 3 months to see movement, but they managed to remove 2 collections and a late payment that was seriously dragging me down. Cost wasn’t too bad but they do push add-ons like credit monitoring. Just be ready for upselling.

Just call .....worst case scenario, you get info. Best case, you settle or dispute and improve your score. I wasted months stressing when a simple call solved everything in 10 minutes.

The thing is, sometimes collections are already aged in the algorithm and aren’t hurting you as much as you think. So when they go it’s more like removing a paperweight than a boulder.

Props for wanting to help others while keeping it legal. That's rare these days. You might also consider teaming up with a local nonprofit or financial advisor. Keeps you safe and opens up more clients too.

Empower app has decent tools for tracking credit and planning repairs. also New Jersey Financial Empowerment Center in Newark has free services.....look it up

I work freelance and have a mix of 1099s and W-2s. I tried TaxSlayer and honestly hated it. Switched to TaxAct this year and it was much better. Not perfect but definitely less glitchy.

Symbols that work well: arrows (upward progress), shields (protection), checkmarks (verification), and bar graphs. Avoid literal credit cards unless your niche demands it.

You can automate onboarding with email sequences. I use ConvertKit to warm up leads before i even talk to them. Makes sales easier.

Do employers in Mobile even care about credit? Mine ran a background check but didn’t mention credit at all.

I joined one and some guy convinced me to open 5 credit cards in a week. I'm now a proud member of the Bad Decisions Club.

Same here. Lexington Law isn’t perfect but at least they respond. Credit Unlimited’s support is like Bigfoot rumored but never seen.

I’m 63, sold the home i bought in 89. Score bumped 22 points. Didn’t matter much to me but good to see

There's no Experian/Equifax here. Everything’s centralized through the Bank of Greece and government tax portals. If you owe the state, everyone knows.