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We’re trying to find a reliable and legitimate credit sweep company and could really use some guidance. If anyone has firsthand experience with a company they trust, I’d love to hear about it. Any recommendations or even warnings about who to avoid would be super helpful. Thanks in advance for...

I recently had my car repossessed. I’d been making payments on it for four years without a problem, but I hit a really rough patch, fell into depression, and stopped keeping up with my bills. It’s been a tough lesson and definitely a wake-up call. Since then, I’ve been getting around Houston...

I’ve been researching ways to strengthen my credit profile, and I keep coming across the term “alternative tradelines.” From what I understand, these aren’t the typical credit cards or loans you’d see on a credit report they can be things like rent payment reporting, utility bills, subscription...

I thought all credit repair was BS until I saw 3 collections removed by a local attorney I found on Yelp. Sometimes the little guys go harder

I’m trying to help a family member work on rebuilding their credit, and we’re currently looking into credit repair options in the Chicago area. They’ve got a few late payments showing on their report one from a closed credit card, and another from a personal loan that was actually paid off last...

What actually happens to a personal loan if the lender dies? Let’s say someone lends you money through a private, personal agreement (not a bank or financial institution), and unfortunately, they pass away before the loan is fully repaid. What are the legal and financial implications in that...

Checked my credit and my FICO score is currently 633. Not terrible, but definitely not where I want it to be. I know it falls into the “fair” range, but I’m hoping to bring it up into the 700s over the next year or so especially with a car loan or maybe even a mortgage on the horizon. I’ve made...

30-day credit repair” is like a juice cleanse for your FICO. Feels good but probably useless.

A family member is thinking about selling their home, but their credit isn’t in great shape right now. They’re worried it might somehow affect the process or cause issues with the sale. From what I understand, buying a home definitely involves credit checks, but what about selling one? Is bad...

Has anyone here had real success with credit repair services in Atlanta specifically when it comes to removing late payments or other negative marks from a credit report? A family member is trying to clean up their report before applying for a mortgage later this year. Most of the damage is...

Yo, quick question for anyone who's tried American Credit Repair. I’m thinking about using them to clean up my credit a bit before I go house hunting but I’m not trying to get scammed or waste time. Their site looks decent, but we all know that doesn’t always mean much. So if you’ve used them...

I’m currently learning more about personal finance and came across a question that got me thinking: what are the actual disadvantages of using credit? We always hear about the perks rewards, cash back, building your credit score but I feel like the downsides don’t get talked about as much...

I’ve been repairing friends and family’s credit for a little while now but I’ve just now decided to take it on as a full time job. Most of my clients come from my mom as she repaired personal credit for a very long time but has now moved on to business credit, old clients still call her so she...

I did a little research they’ve got a handful of reviews out there. Some people had a decent experience while others seemed underwhelmed or disappointed. It’s one of those classic mixed bags where you’re not quite sure what you’re going to get. Definitely worth approaching with a bit of caution.

Your mom won’t be able to see your PayPal account or activity through credit reports PayPal doesn’t report that kind of information to the credit bureaus. The only way she’d find out about your account is if you mention it yourself or if she has direct access to your personal email or phone...

This whole thing has me seriously on edge. I’m actually considering switching to cash for a bit it just feels safer than navigating all this digital madness

My husband, who’s in the Army, went through the USO’s Financial Readiness Program, and it was a great experience. They connected him with a certified credit coach completely free of charge. The coach helped him understand his credit report, create a personalized action plan, and even gave...

I’ve rented three places over the past five years and every one of them used well-known platforms like RentSpree or MySmartMove to run credit. I’ve never come across this one before

Some utility companies are still open to pay-for-delete agreements, even if they’ve already sold the debt to a collection agency. It never hurts to ask you might be surprised

Going from a 509 to 600 in 7 months is totally possible but you’ve got to be seriously consistent. No missed payments, keep your credit utilization low, stay on top of your reports, and avoid opening a bunch of new accounts at the same time. Discipline is key.