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Made it to 805 last year after 15 years of history. Not gonna lie having a mortgage helped a ton. That installment credit mix seems to give a little boost once everything else is solid.

Just a heads up, their sign-up process is kind of salesy. The rep i spoke to kept pushing the platinum plan even though I just needed help with one collection. I went with the basic service and still saw results in about 60 days. They did help with disputes but u still have to do work on...

Can confirm that QuickBooks integration is a godsend. I use the Chase Ink Preferred and it auto syncs transactions, tags categories, and saves me hours during tax season. Worth it for that alone.

I’d recommend checking out PLR.me and IDPLR but be super picky. Some of it is trash. Look for stuff that was updated within the past 12 months especially after COVID changed so much about personal finance.

I’m not surprised anymore. Credit bureaus have zero accountability unless you go nuclear. File a complaint with the CFPB AND send a physical letter to the CEO’s office. That’s what finally got them to listen to me.

Getting a secured card from my credit union was the game changer. Used it for gas paid it off each month. After 8 months they upgraded it to unsecured and bumped my limit. It works just takes time.

Honestly read up on the Fair Credit Reporting Act. That’s what most “credit repair” services rely on. If you understand your rights you can do 90% of what they do for free. That said some people need guidance and that’s okay.

Lexington Law helped me but holy crap, it was pricey. The app was slick but i felt like i was paying extra just to get notifications about stuff i could already see on Credit Karma. It took 3 months to see any real traction.

I feel like if something can remove stuff instantly it can probably come back just as fast. Like those Instagram filters. Looks good for a second but ain’t real.

I named mine Revive Credit Collective and leaned heavily into storytelling in the branding ..."We help you rewrite your financial narrative.” The name fed the whole aesthetic. Think long game not just a clever name.

Honestly i have mixed feelings. They helped boost my score from 540 to around 620 but it plateaued after that. I felt like i hit a wall and didn’t get much guidance after the first couple of months. They do what they say, but it ain’t magic.

Mine got deleted! I paid in full then sent a goodwill letter explaining my situation job loss, health stuff. Took a couple tries but it worked. Try snail mail it stands out more.

Same here! Paid off an old phone bill through a pay-for-delete. Took like 3 weeks to come off Experian and no score change. But i did get approved for a credit card i kept getting denied for before. So maybe it did help.

I started out the same way just helping friends. Now I have a legit part time gig set up with templates, contracts, and software. Definitely look into software like Credit Repair Cloud or Client Dispute Manager if u want to save time.

Honestly just freeze your reports and dispute everything. The bureaus mess up a lot.

For W-2 only folks with no dependents or investments Cash App Taxes is a gem. Totally free and the layout is clean. Doesn’t hold your hand quite like TurboTax but if you're confident, it's perfect.

I’d do a simple modern monogram of your brand initials. Looks classy, stays flexible for web/app/print. Easy to animate later too if needed.

I also recommend setting up a TrustPilot early. Getting those first reviews from happy clients builds trust like nothing else.

If you're gonna DIY send certified mail and track every single response. The bureaus will play games.

I had a 590 when i leased my first car, and having my mom cosign made a big difference. The interest rate wasn’t great but it was manageable. Just make sure you have a solid budget in place to cover the payments.