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You sound like you’ve got the right mindset. For a small side hustle, I’d go the LLC + EIN + CSO registration route. Keep a spreadsheet of every dispute you send. And DO NOT impersonate clients when filing disputes let them sign things themselves and use limited power of attorney if needed. The...

you’re legally allowed to dispute anything on your credit report for free. A lot of these services just send out template letters YOU could send. That said, if someone needs help staying on track or figuring out what matters most, a real local consultant can be a lifesaver.

Avoid the flashy ones promising to delete bankruptcies overnight. That’s not how this works. Real credit repair takes time and usually includes helping you build good habits not just deleting stuff. We worked with a financial coach out of Tinley Park Library’s business development program. Free...

I'm 23 and just started this like 6 months ago. Used TikTok to get clients. Just posted tips and offered a free consultation. Boom 5 leads in a week. Young people are desperate for help but don’t trust banks. If you can talk their language and explain things simply, you’ll win. Also don’t...

Ran my credit repair biz solo for 3 years. Started super slow maybe $500/mo in the first few months. But once i nailed down a referral system with local mortgage brokers, it scaled to $7k–$9k/month consistently. After software ($179/mo), CRM, ads, and taxes, take-home was closer to $4,000. You...

Worked with a local paralegal who helped dispute outdated items and inaccurate collections. Not a formal credit repair business, just someone who knows how to navigate the FCRA. Super helpful and way cheaper than the big firms. Just make sure they know what they're doing legally.

Honestly, most credit repair companies are just charging for things you can do yourself. Like, file disputes with the bureaus? That’s free. Pull your own reports? Free. There’s no magic wand, just effort and time. That said, some people really do need handholding, and that’s fine. Just be wary...

If you’re semi-tech-savvy, there are tools like SmartCredit and MyFICO that can track disputes and generate letters for you. Cheaper than repair firms and keeps you in control. I used MyFICO to simulate changes before making any payments.

I get that they're sketchy but is it always a trap? Like if you know 100% you'll pay it back in 2 weeks, what’s the harm? Not saying it’s ideal but not everyone can qualify for a credit card or personal loan. Just playing devil’s advocate here.

I used to BE a credit detailer! Worked freelance while studying for CFP certification. Honestly, most people just need handholding through a few letters and a soft education on how reporting works. Charging $1,000+ is highway robbery.

Yo i actually did get results with them. Started at 548, and now I’m at 629 over 4 months. They helped me dispute some student loan lates and even found a weird Verizon bill i didn’t know about. Worth it for me but might not be for everyone. Be ready to follow up on your end

I actually started my own little credit consulting biz after fixing mine. I’m not in Albany but I always say: the key is communication. Ask questions. If they dodge 'em, that’s a red flag. If they’re transparent about timelines and what’s realistic, you’re on a better path.

when you sell property, the title company runs a search for encumbrances, not your credit report. Judgments, unpaid property taxes, child support liens....they can block the sale if not resolved. But bad credit from maxed cards or missed payments? Irrelevant unless they turned into judgments. So...

I was stressing about this same thing last year! My credit was trashed after a divorce and I had a few old collections lingering. Still landed a remote customer service job and later moved into operations. Not once did they mention credit. Honestly i think reliability and experience matter way...

I’ve seen businesses like this go for 15–20K on Flippa depending on recurring revenue. If you price this right and show off the automation, you might not need to list it elsewhere. Reddit has some serious buyers lurking.

Their communication was top-notch. Every time something changed on my report, they emailed and texted me. That kind of attentiveness is rare in this industry. I didn’t get every item deleted but they made sure i understood what was possible.

Honestly? Just tell your family member to save the money and DIY it. Disputing old collections and late payments isn’t that hard anymore with all the online portals. Sites like Credit Karma even guide you through it. Credit repair companies mostly just send letters you could do yourself unless...

Create a color-coded spreadsheet with due dates, credit limits, balances, and statement closing dates. I track utilization in real time and pay 2x a month to stay under 10%. I’ve turned this into a whole aesthetic lol. Nerd life pays off sometimes.

Funny how I paid $1,200 for credit repair in Atlanta and ended up learning i could have done it all myself with a few YouTube videos and free templates from Reddit. If it sounds too good to be true…it probably is.

Following this been trying to fix my credit too. Half the companies i talk to sound like used car salesmen on speed. One dude literally promised me 150 points in 30 days. If anyone’s had experience with someone real, drop those recs.