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You might want to look into nonprofit credit repair or legal aid in your area. Sometimes they offer similar services for free or cheap, especially if you qualify based on income.

I offer rent reporting to tenants through a service and you'd be surprised how many of them appreciate it. Helps folks build credit while doing what they were already gonna do. Win-win, no scammy vibes.

Man i totally feel you. I had a $200 ER bill sent to collections while I was literally in surgery. Been climbing out ever since. I’m also in Florida and looked into a few services but ended up fixing things myself using resources from r/personalfinance. It’s slow, but it’s free and feels more in...

Honestly, I think lenders are getting more educated about PSLF now. Mine didn’t flinch when I explained the whole setup. They even asked if I needed help getting the necessary docs.

This whole thread is so validating. I felt SO dumb for using Snap. But honestly, it saved me in the moment and i made it out okay. It’s just painful knowing i paid nearly double. Never again.

Same situation, different year. My credit was trashed after college.....late payments, collections, even an old Sprint account that was totally bogus. I ended up going the self-repair route using Reddit advice + the myFICO forums. It’s slow but free. Start with certified mail disputes and...

I’ve never trusted Citi’s customer service. They botched my balance transfer a while back and it took 4 months to fix. If they added a dispute flag without your permission, that’s sketchy af. You might wanna talk to a consumer rights attorney.

I was freaking out over a missed payment and they calmed me down real fast. Didn’t shame me, didn’t rush. Felt like I was talking to a mate who actually gave a crap. Respect to their support team that day.

I got my first credit card at 18 and didn’t have a driver’s license, just a state ID. Totally worked. Online apps don’t usually ask you to upload ID unless something doesn’t match. Like, if there’s a red flag on your credit report or mismatched address. So no, ID isn’t always shown, but they’re...

Think of delinquents like weeds.......you can trim 'em, but they'll come back if you don’t plant good stuff instead. Build solid history with credit-builder cards or apps like Kikoff. Also, lock your credit so your mom (or anyone else) can't do it again.

Totally agree. Credit repair companies often just send prewritten letters to Equifax or Experian. You can find these online or use ClearScore’s coaching. No need to fork over £100s.

I looked into them but decided to pass. Felt a little too infomercial polished for my taste, ya know? I’ve learned the hard way that just because a site looks slick doesn’t mean the company behind it is solid. I went with a nonprofit credit counselor instead and had way better results.

Leased a car with a 600 score through Carvana. Weirdly smooth process, and they didn’t make me feel like a financial leper. Their monthly rates were a tad high, but no pushy sales reps, which was a win.

I’ve seen people go from low 500s to 700s in under a year by combining credit repair with good credit-building habits. If your relative has good history otherwise, a few cleanups could really make a difference.

Used one from Amazon a while back. Honestly? Meh. The info was basic like stuff you could Google. But the pre-written letters helped me stay on track. It’s good if you’re a procrastinator like me lol.

I declined to be a guarantor once and lost the friendship. But guess what? Two months later they were behind on rent. Dodged a bullet. Your friend might be great but life happens.

Dude, I did the exact same thing like 2 weeks ago! Canceled on day 2, no email, could still log in. I panicked, called support, they said I was marked as canceled but would still have access till the 7th day. No charge hit me though, so fingers crossed it stays that way.

Technically, credit card companies do not let you transfer someone else’s debt directly. Balance transfers are meant for your own cards. But some people do workaround stuff like using a balance transfer check to pay off someone else’s card. Risky though, since the debt becomes yours.

Got my first post-repo loan through CarMax. Interest was meh (13%), but the process was smooth and didn’t feel scammy. Paid it early to avoid the bulk of the interest. Worth considering.

I work in auto financing. Can confirm EBT is not on the credit report. What matters more is whether you have stable income, even if it’s small. We look at your credit file and DTI (debt-to-income), not your grocery card.