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I’ve seen it wreck people’s credit and i’ve seen others walk away clean. My theory depends on the company, the state, and if you respond to their mail. The more u engage, the harder they try.

Honestly, check out credit union logos....they’ve nailed the professional but warm vibe for decades.

Get a CPA who understands credit repair businesses. I made the mistake of going to H&R Block and they had no clue what i was talking about. Found a local CPA who also helped with LLC formation and it was a game changer.

I got my credit right by budgeting like a maniac and paying off collections one at a time.......took 2 years. No services just spreadsheets.

Some are scams, some are solid. Do your research. Look for red flags like upfront fees to join or super vague job descriptions.

Credit Unlimited helped me remove 3 collection accounts tho, so i’m trying to give them the benefit of the doubt. Hoping it’s just a system issue.

I actually did get a solid bump but i also paid off some credit card debt with the equity. That might’ve done more than selling itself.

When we moved with our kids.. we couldn’t even get a furniture installment plan. Ended up paying in cash. Now 3 years in, things are smoother.

Hey i get it. Leasing with bad credit is tough. Just please don’t jump at the first offer. Some dealerships prey on low-credit folks hard.

I joined a subreddit that had weekly threads for goals and accountability. We’d post our letters, progress, even failures. It’s slow, but it worked. Took me 11 months to go from a 500-something to a 680.

Former fraud team rep here. Most cases we saw were skimming from old swipe readers or compromised POS systems. Tap is safe 95% of the time, but nothing beats vigilance.

It’s all about how the algorithms estimate your available credit. If no limit is reported, they can’t calculate utilization. Some score models just toss those cards out of the utilization bucket.

You’d be surprised how many people feel ashamed about bad credit. Make the language friendly not like a government form.

I had a 498 score and leased a Hyundai with my aunt co-signing. She was PISSED when i missed one payment. Don’t recommend unless you’re 110% sure you can pay.

Honestly i made $5K/month doing sales for a credit repair firm in Atlanta. I quit when I realized they weren’t actually helping people......just running them on a loop of monthly fees.

I think people underestimate how bad it gets before garnishment. Most creditors only go that route when you’ve ghosted them for months or years.

Facebook group marketing still works well if you’re active & give real advice. I get 60% of my clients from just helping in niche FB groups. No ad budget needed.

DIY credit repair is 100% doable. You don’t need to pay someone to send letters you can literally download from the FTC website.

Keep your utilization below 30%, ideally under 10%. PayPal Credit is reported monthly, so maxing it out even temporarily can ding your score.

Technically Synchrony has systems that default to pulling Experian but if your Experian file is thin/frozen/locked, it’ll go to TransUnion or Equifax. The fallback behavior varies by application portal.