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Tried them last year. Honestly Meh. They were super responsive at first, then kinda ghosted when i asked for updates. One item was removed, but I did more on my own using credit dispute templates. Might work for some, but I didn’t feel like it was worth the money for me.

609 is workable. I used to be at 590, got to 720 in two years by: 1) Paying every bill early, 2) keeping one credit card below 10% utilization, and 3) refusing to open new accounts unless absolutely necessary. Boring but effective.

The process usually starts with the leasing agent, not the employer. They’ll assess your situation and loop in your HR/payroll once you decide to move forward. But keep in mind, not all employers offer novated leasing.....it has to be part of your benefits structure. So step one is: ask HR if...

This whole thread is why I’m terrified of missing payments. Life hits hard sometimes, and then even doing the right thing feels like a punishment. System needs reform, period.

How are we expected to build long-term wealth when basic adult decisions like moving can randomly torch your credit? The system’s broken.

I always thought Phoenix Credit Co. had a nice ring to it. Like rising from the ashes, ya know? It suggests rebirth and transformation, which is what credit repair is all about. Keep it classy and avoid sounding like a scammy MLM. Bonus if you can grab a clean .com domain too.

Infographics with icons > walls of text any day. I use simple icons for Dispute, Wait, Update,Celebrate and it makes the process feel less bureaucratic. Canva is my go-to......templates for days.

Used Pyramid for six months back in 2022. They helped me get 3 collections removed, which bumped my score up by about 60 points. I liked that they didn’t charge upfront and were super clear about what they were doing. My account manager (shoutout to Marcus!) was responsive, even answered emails...

Look into 208 Financial Recovery.....they helped my aunt. She had identity theft issues, and they actually walked her through placing fraud alerts and freezing reports. Didn’t just try to fix the credit but helped stop future damage. That’s what you want: proactive support.

I’m shocked nobody mentioned Amex Blue Cash Everyday. 3% at supermarkets and no annual fee? Big W for grocery spenders. If you’ve got the income and no derogs, approval odds are decent.

Since most of your defaults are over 6 years old and dropped off, you’ve already done the hardest bit. Keep that credit card under 30% usage and pay it off in full each month. Also consider something like LOQBOX ...... it’s a savings loan that reports to credit agencies.

It’s stressful as hell, dude. I’d rather eat glass than go through it again. But yeah, they settled once i mentioned i was moving out of state and might quit the job soon. Not advice, just facts.

I used a debt management program (DMP) through a nonprofit, and while it tanked my score temporarily, it stopped the bleeding. Now I’m rebuilding with a secured card and two credit-builder loans. It’s not glamorous but it’s something.

I DIY’d my credit repair after watching YouTube for like 3 weeks straight. No Credit Fairy, just Adderall and printer ink lol. Removed 5 collections, got a secured card, and now I’m in the 600s again.

Count me in! i’ve been dodging my credit problems for years, but I finally pulled all three reports last week. TransUnion was... kinder than i expected, Equifax was a mess. Already disputed two collections that aren’t even mine (thanks, Evil Twin?). Planning to use the snowball method on my...

I had a 629 after defaulting on a utility bill while moving. What helped was calling them directly and asking for a pay-for-delete. They agreed to remove it after payment. Not all companies will, but it’s worth asking. Just be super polite and professional on the phone. That one call gave me a...

Honestly i just watched YouTube videos and followed along with sample dispute letters. Cost me like $0 and 2 stamps. Not glamorous but it worked. Saved me a few hundred bucks.

Mazuma CU here. They’re okay-ish. Not the worst but def not the best. Branch folks are chill but the mobile app looks like it time-traveled from 2012. If mobile banking is a big deal for you, maybe look elsewhere.

You know what helped me? Embedding my Google reviews. People trust that more than random site testimonials. Even if it’s only 5 reviews, the Google link builds credibility.

Skeptical until I saw my cousin go from 540 to 690 in 8 months using their guidance. It works if you actually DO what they teach.