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I’m getting ready to apply for a mortgage and came across a concern that’s been weighing on me. Years ago, I had a judgment filed against me for an unpaid debt. The balance was eventually settled, and it’s been quite a while since then. I recently pulled my credit reports from all three bureaus...

Which credit card for utility payments (Gas & Electric) CFU or an airlines miles card like an American Airlines card which do not points transfer from any credit card program? Have Chase CSP and CSR for moving points for bonus value as well. What do you suggest?

There’s no perfect bank. Pick the one with the least friction and the best people. You can always move later

Credit repair companies love flashy promises. But anything they do, you can do yourself for free. Don’t fall for the hype

With a new year (or new season) in full swing, I’ve been thinking a lot about my credit resolutions and what I want to accomplish financially over the next several months. For me, that means finally paying off some lingering credit card debt, keeping my utilization under 30%, and monitoring my...

If someone says they can fix your score in 30 days, they’re either lying… or a wizard. And wizards charge extra

I’ve been cleaning up my finances lately and something’s been on my mind can bad credit actually hurt your chances of getting hired?. I’ve heard mixed things. Some say employers can check your credit during the hiring process, especially for roles in finance or positions that involve handling...

Just reaching out to see if anyone here has had good experiences with credit repair services in Aurora. A friend of mine is trying to clean up their credit before applying for an apartment and possibly financing a car later this year. There’s a lot of noise online, and we’re trying to avoid any...

Putting together a business plan for a credit repair service and aiming to build something that’s transparent, affordable, and fully compliant with industry regulations. The goal is to avoid gimmicks and shady upsells, and instead offer real value with clear, upfront services people can trust...

Success! After years of being super careful with my credit card usage and never missing a payment, I finally broke into the 800s landed at 806 this month. I’ve been stuck in the 700s for what felt like forever, mostly because my student debt-to-income ratio was sky-high and I was earning close...

There’s a ton of mixed info out there some companies claim they can wipe defaults and improve scores quickly, but others seem to just take your money and drag things out. Been seeing names like Credit Wipe Australia and Credit Clean Australia pop up a lot. Some reviews are great, but it’s hard...

For those of you in the credit repair space what’s working for you when it comes to finding clients? I’ve recently started offering credit repair services and I’m confident in what I can do, but getting consistent leads has been a challenge. So far, I’ve helped a few friends and family members...

Clear upfront pricing is super important. I can’t stand it when companies hide fees in the fine print it feels shady and makes it hard to trust them

You can create a PayPal account and provide your Social Security Number without it affecting your credit score or showing up on your credit report as long as you’re not applying for any of their credit-related services The SSN is mainly used for identity verification to comply with federal...

I’ve experienced this too getting a call from the real number, but something about the person on the line just feels off. It’s really unsettling to realize you might be speaking to a scammer instead of your actual bank.

Doing your own credit repair is honestly more effective than what most of these paid “services” offer. You can use free tools, get a secured credit card, and negotiate pay-for-delete agreements if necessary. With consistency and the right resources, you can make real progress without spending...

Did the listing include actual photos or a phone number to contact the landlord directly? A lot of scams involve copying real listings sometimes word for word and just making a few small edits like changing the email address or rent amount. It can look totally legit at first glance, but those...

Not necessarily specific to AAA, but my cousin did use their services and got three negative items removed. That said she also ended up enrolled in a subscription she wasn’t aware of so just be sure to read all the terms carefully

Seriously check out the Self credit builder loan it’s one of the most underrated tools out there for improving your credit. It works like a savings plan: you make small monthly payments toward a set amount, and once it’s paid off, you get the money back (minus interest and fees). The best part...

It’s definitely worth giving customer service a call to confirm the exact due date and whether a late payment was reported. They’ll usually give you a clear answer right away