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Late payments are the WORST like a ghost haunting your report forever. I DIY’d disputes with templates from credit karma and got one removed. Free paying some company

I didn’t use them myself but my cousin did. He mentioned they were responsive though it took around six months before he saw any results

Because PayPal Credit doesn’t report your balance or credit limit to the credit bureaus, it doesn’t factor into your credit utilization ratio. That’s a bit of a downside if you’re hoping to use it to build or improve your credit since utilization is a key part of your score

There’s usually a grace window before a late payment affects your credit score If you're only a few days behind it might result in a late fee from the issuer but it typically won’t be reported to the credit bureaus or impact your FICO score

I’ve been seeing their site pop up all over the place lately. It’s a little sketchy how they all try to look like independent review platforms, yet somehow every company is “Top Rated” with perfect 5-star reviews. Feels a bit too curated to be real

One time I forgot the charger and the reader died right in the middle of an event. I had to type in every transaction by hand like it was the Stone Age. Take it from me never leave home without the charger!

Man I swear the credit bureaus are just like “Oh, you’re dead? Cool,” and run with it This happened to my uncle he got flagged as deceased and they even froze his mortgage. Total chaos

If a company promises to “fix your credit in 30 days,” that’s usually just code for “we’ll send out generic dispute letters and cross our fingers.”

Has anyone here used Credit Saint? I keep seeing their ads everywhere but I’m hesitant to waste money on something that might not deliver been burned before

Hey OP, sending you lots of strength I’ve been in a similar spot after I lost my job so I totally get how tough this is. If you reach out and talk to your landlord some are willing to work something out. Not all of them but it’s definitely worth trying

Some people are great at maneuvering through the gray areas while others feel uneasy and would rather stick to the safer more straightforward path

To lenders, a “paid charge-off” looks better than an unpaid one but it’s still not as good as a clean history with no missed payments. So if you’re able to pay it off it’s definitely the better option even if it’s not perfect

Dude no legit service is fixing your credit in 60 days unless they’re just filing disputes you could easily do yourself for free Don’t fall for the scam

If it's that difficult to withdraw from can it really be called a "savings" account? At that point, it feels more like a short term investment than something meant for accessible funds

Filed with them last year and they actually flagged a mistake I made on my state return. I would’ve totally missed it. So yeah, they’re the real deal.

Tax season is here, and I’m trying to figure out how much TurboTax actually costs. I know they advertise “free” filing, but from what I’ve heard, a lot of people end up paying fees depending on their tax situation. If anyone has used it recently, I’d love to hear what you paid

I need to fix my credit, but I don’t know where to start. Right now, my score is low 600s, and I have a few closed credit cards with balances that I’m trying to figure out: Apple Credit Card: $1,500 limit, $1,700 balance. Closed June ‘23 Bank of America: $600 limit, $800 balance. Closed Oct ‘22...

Hey everyone, my uncle just got slapped with a collection notice from them for a supposed $700 cable bill. Here's the thing: he hasn't had cable in years, ever since he switched to streaming services. Apparently, there must be some kind of mistake, a case of mistaken identity maybe? But this...

Legitimate debt collectors must send a letter showing details about the debt. Tell them you’ll only discuss the matter after receiving proof in writing.

Your friend might have a better chance by going straight to the credit bureaus and disputing it, especially if he has proof that he wasn’t responsible for the payments