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You sound like a dream borrower.......high income, zero bad behavior. I’d guess the drop is mostly due to credit shopping red flags. Lenders hate when you look around too much. Irony? That’s called being a smart consumer. Anyway, give it a year, stay clean, and maybe even toss in a credit card...

My experience was meh. They cleaned up a few things, but I still ended up doing more work myself. I learned how to use the CFPB site to file a complaint against a stubborn collector, and that worked better. Wish I had started there first.

I ran Facebook ads for a credit repair firm for 8 months. My advice is target newlyweds, new parents, and first-time homebuyers......they’re often super motivated to fix their credit. But your messaging has to be crystal clear. Anything remotely shady and FB will shut down your ad account faster...

I've bought a few semi-built credit repair sites over the years—honestly, it’s hit or miss. If the site has a solid domain and even a small backlink profile, you're ahead of the game. But beware of sellers overhyping “authority.” Use tools like Ahrefs or Ubersuggest to verify actual traffic and...

Freedom was cool, but I ended up doing most of the disputes myself using templates from Reddit. Took longer, but it was free. If you’re broke but have time, DIY works.

I used a credit union in Alsip for some financial counseling, and they actually pointed me toward a nonprofit org that helped with credit repair basics. Not sure if it’s the same one you used, but I’d co-sign the idea that locals help more than big brands. Also alsip folks who else remembers...

That breakdown really helped! I didn’t know the FICO score was that sensitive to collections being removed. Now I understand OP’s 120-point jump better.

If you're still buying leads off Fiverr or running $20/day Facebook ads without retargeting, you're burning money. I made that mistake for YEARS. Now my agency runs retargeting and remarketing ads for people who ghost me the first time. Those convert at 35%+!

I did the DIY method for months with zero luck. Sent out certified letters, followed templates, and filed disputes. Nada. It wasn’t until i got a consultation with a credit consultant (he used eOscar properly, which I didn't even know about) that i saw any real movement. There's a lot they can...

Not to be that guy… but credit scores are kinda a game. Like why should we have to be perfect little borrowers to get decent treatment from banks? That said you played the game well. Respect where it’s due. Just don’t forget who invented the rules.

Not to mention identity theft. Got my card info stolen and they racked up charges in Spain while i was at work in Ohio. Took weeks to resolve. Now I use virtual card numbers religiously.

Credit repair services pay someone $1,500 to send 3 emails you could’ve written yourself while wearing pyjamas and watching Married at First Sight. Not saying they’re all dodgy but some are just fancy stationery and buzzwords.

I appreciate how Seminole keeps it ethical. No new CPN identity nonsense or sketchy tricks. They actually focus on compliance with the FCRA. Not fast results, but I saw steady improvement after 5 months. Especially with Experian....they got two inaccuracies removed that had been haunting me for...

Cold calling isn’t dead. I bought a list of renters with bad credit in my city and just…called. It sucked at first, not gonna lie. But now i close 1 in 20. Use scripts, record your calls, and get better. It’s a grind, but cheap AF compared to ads.

Don’t sleep on LinkedIn. Not for ads but for building relationships with realtors, brokers, and lenders. If you help them close deals, they’ll remember your name.

I used to be all about debit for that spend what you have peace of mind. But once I realized I could earn cashback and build credit with my everyday purchases, I made the switch to credit just always pay it off in full. It’s like getting paid to be responsible.

Credit score is overrated. It’s your income and stability they want. You can have a 750 and still get denied if you have no job or volatile income.

I think the spend requirement is the real barrier. A lot of personal cards ask for $3K or $4K in 3 months. These Ink cards are more like $6K. Not everyone can hit that. Great value but you gotta plan.

Just curious.....why didn’t the lease have an early termination clause? $12.5k sounds like a whole year of rent. That building owner went for blood.

Feels like getting wage garnished is the adult version of getting sent to the principal's office. You're already in trouble no need to write it on your permanent record too.