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I was super skeptical, but I found a guy named Eddie who operates from home but he’s LEGIT. Got my score from 510 to 670 in like 4 months. Dude’s responsive and even helped me budget.

I use Kansas City Credit Union (KCCU) and it’s small but mighty. Feels like you’re not just a number. They helped me set up a car loan when no one else would. Their app is simple but does the job.

LOL if your landing page looks like it was built in 2008 with neon green fonts and stock photos, don’t expect anyone to trust you with their finances. Make it modern, mobile-first, and copy light.

Honestly felt overwhelmed by the language in their materials. It’s like they’re targeting financial pros, not average folks trying to understand their credit report 😓

33% sounds believable. I’ve worked at a bank and you’d be shocked how many students call in to complain about surprise interest on their balance. Like… that’s how it works, my guy.

Check out The Credit Repairmen. I believe they have a rep based in Jacksonville. My friend said they helped clean up some fraudulent accounts after identity theft. Took a while, like 9 months but her score’s healthy now. Just be patient with the process.

Just dropping in to say: make sure they’re compliant with CROA (Credit Repair Organizations Act). A legit company should NOT charge you upfront or promise specific score improvements.

My cousin used them and swears by their service. He had 520 and jumped to around 660 in 6 months. I was skeptical at first but seeing the results made me a believer. That said, everyone's report is different......don’t expect miracles if your score's tanked due to recent bankruptcies.

I think their value lies in hand-holding. If you're completely lost and want someone to walk you through credit repair, budgeting, and money management, UCES isn't terrible. But if you’ve got any financial literacy already, you’re overpaying for fluff.

If your issues are mostly identity mix-ups or address errors, i’d say go for it. That’s where they seem to shine. But if you’ve got late payments or charge-offs, you’re probably better off negotiating directly with the creditor or working with a nonprofit credit counselor.

You can also check if the lease allows subletting. If so, maybe do that route instead of officially adding them. It’s not ideal for long-term living, but it’s a temporary workaround while your friend works on their credit. Better than getting your lease renewal denied later.

Anyone know if these local guys work with self-employed folks? My credit tanked during COVID when my side gigs dried up, and most lenders act like freelance income is Monopoly money.

What about Current monthly debt payments? Gives you a quick debt-to-income feel. Also, ask if they’ve ever done a balance transfer or used credit builder tools like secured cards or Self.

Yo, if you're about to pay someone $100+/mo, at least compare it to apps like SmartCredit or even Lexington Law. Landmark is okay, but overpriced for what they do IMO.

Your first 3 moves: Register LLC, get business insurance, open a biz checking account. Then study CROA line-by-line. Compliance is your best friend if you ever get investigated (and you might).

I still wish stores had better layaway plans. As a mom, budgeting is everything. Credit is a gamble especially if you’re juggling multiple kids, school fees, groceries, etc. Layaway kept me grounded.

Used The Credit Pros. Meh. The dashboard looked cool but progress was slow. Also, their customer service ghosted me after the third month. I’d stick to DIY unless you have complex stuff like bankruptcies or ID theft issues.

I’m 3 months into working with them too and i can confirm it’s not smoke and mirrors. They disputed a bunch of old collections from a medical bill that shouldn’t have been mine to begin with. Score jumped 62 points so far. Not bad for a company I almost didn’t call back.

Signed up with Safeport Law and they were legit. They’re actual attorneys not just reps reading scripts. Cost more but they helped me navigate a nasty old repo that I didn’t even realize was still reporting. Worth it for complex stuff.

you're gonna want to check your loan agreement. Most personal loans don’t have clauses allowing transfers or co-signing after origination. Even if the other person wants to take over the bank probably won’t care unless they reapply and qualify. This is a clean break and refinance situation, 100%.