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A friend of mine in Texas said they helped him boost his score from 580 to 670 in under a year. That is a big improvement, but he was also paying off debt and keeping utilization under 30% during that time, so it is hard to say how much was them and how much was his own actions.

They DO help but only if your report is light. My daughter used BoomPay to report her rent while in college. Her file was empty, and this gave her a solid base. She got a student card approved a few months later. Without it, who knows?

Has anyone here tried Safeport Law in Florida? I keep seeing their ads about legal-based credit repair. Is that any different from regular ones? I like the idea of an attorney being involved, but not sure if it’s worth the extra cash.

I pulled all three credit reports before and after PSLF approval. Before: in repayment, with balances. After: Each loan marked Closed with $0 balance and a Paid in full note. No mention of forgiveness as a reason.

Snap Finance is like if your sketchy cousin tried to run a bank out of a van. Nothing but fees, vague promises, and regret. You already paid $543 on a $573 loan?! That’s daylight robbery, my dude.

Dude same! My APR was 26% on a used Nissan . What helped me was getting a Self credit builder loan. I set it to $25/month and after a year it added 100 points to my score Not local, but super easy to set up and doesn’t require a hard pull

This whole situation is ridiculous, and I feel for you. You're clearly a responsible consumer and yet being treated like a liability. That consumer disagrees tag is just salt in the wound. I hope you get resolution ASAP.

Why do they have 3 different numbers listed depending on where you look? One on the site, one on TrustPilot, one on Google. Confusing AF. I ended up calling all three until I got someone. Spoiler: it’s the 0808 one.

Technically, ID is part of the legal verification process under Know Your Customer (KYC) rules. But for credit cards, that’s usually automated unless you trigger a manual review. So yes, they’re verifying you, but no, you don’t often have to show them your ID physically.

Empathy, bro. You’re fighting uphill but not alone. Mine dropped from 780 to 530 after a medical collection hit I didn’t know about. It took 2 years and a LOT of calls, but I’m at 702 now. Stay consistent. Celebrate small wins like hitting 620, 640, etc.

I know someone who used Reestablish Credit UK. Can’t vouch for them personally but she said they did challenge three entries and two were removed. Could’ve been coincidental, but she seemed happy. Just research heavily not all are FCA regulated.

I used AM/PM and they DID get a charge-off removed. Took 6 months but it happened. My score went up like 60 points. No lie. Was it worth $700 total? Depends who you ask, but I was desperate, and it helped me buy my car. So yeah, I’m grateful.

I did it with a 580! But it was through a smaller regional dealership that works with people rebuilding. The catch? I had to buy the lease insurance + a $3,000 deposit. Payments were kinda brutal, but it did get me driving. Would I do it again? Probably not lol.

Check out the Illinois Attorney General’s website. They’ve flagged a few credit repair outfits in Chicago in the past for shady practices. Also, Yelp and BBB are your friends.....look for patterns in complaints, not just ratings.

I used a repair kit plus YouTube videos. The combo worked wonders. My score went from 580 to 700 in 10 months. Don’t rely on just the kit though keep educating yourself.

I’ve done it for my younger brother. The agency just did a soft check and confirmed income. No credit impact unless things go wrong. If you trust your mate, and you’re financially stable, it can be a beautiful act of kindness

Make it about freedom. I told my daughter, A good credit score means more freedom when you're older. You can get an apartment, a car, even a phone plan without begging anyone. That clicked with her independence streak.

Trying to heal from the chaos of last year....medical bills wiped me out. I’m working on setting up autopay for everything and watching my score like a hawk. I just want peace of mind when I log into Credit Karma, not anxiety-induced nausea.

You’re not off the hook just because the lender died. The estate becomes the lender. The executor has a fiduciary duty to collect assets including money loaned. But if there’s no trail? That’s when it gets muddy.

I always use Privacy.com virtual cards for stuff like this. I literally set a $1 limit and let them try and charge me. No charge goes through, and I never stress. Highly recommend if you’re trial-hopping like me.