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Has anyone here actually seen a big drop from going above 30% utilization temporarily? Like, if you paid it off the next day? I keep hearing this 30% thing but I’m wondering how strict it actually is in practice.

the cosigner is 100% legally responsible if you don’t pay. So you better come prepared with backup plans and even offer to sign something informal promising to cover it no matter what. It’s about trust, not just numbers.

If you’re not already using Experian Boost, do it. It didn’t change my life, but it gave me a 12-point increase for free just by linking utility bills. Every little bit helps when you’re in the 600s.

I second what others are saying about being cautious. The FTC has gone after a bunch of shady credit repair companies in Illinois recently. If they ask for money before doing anything, that’s illegal. The Credit Repair Organizations Act requires results before payment. Keep that in mind when...

Respect for wanting to do it right! Educate your clients, too. I have folks who think deleting a collection will raise their score 200 points overnight. Managing expectations is half the battle. I always start with a consultation where I explain the process and timelines. Helps avoid stress and...

I’m a local realtor and I’ve referred a few clients to Next Chapter Credit Repair in Eagle Rock (not far from Glendale). They’ve been solid especially with helping people qualify for FHA loans. One of my buyers had old utility bills and a judgment and they helped her get them settled AND...

most people don’t need repair they need credit building. Open a secured card, become an authorized user on a family member’s good card, and pay everything on time. That alone got me from 520 to 660 in 7 months. Still if there’s inaccurate info, dispute it yourself. Or at least make sure your...

I started as a stay-at-home mom looking for flexible work. Credit repair gave me a purpose AND income. I took an online course (was like $197) and made it back with my first client. Now I work maybe 15 hours a week and bring in ~$2k/month consistently. It’s not passive, but it's manageable...

I went viral once and made $12k in a single month. But the next month? $1,500. The biz is way more volatile than people think. If you're relying on trends or social platforms for leads, expect income to bounce around hard unless you have systems in place.

I worked with a guy named Jorge out of Nob Hill he runs a small financial coaching business, not just credit repair. SUPER knowledgeable. Helped me consolidate my debts, coached me through paying down balances strategically, and filed disputes on items i didn’t recognize. More of a holistic...

Check out Rhode Island Legal Services. They have free clinics and can help with debt issues. Sometimes what people think is a credit problem is actually a legal one zombie debt, identity theft, etc. These folks helped my cousin sort out a 10-year-old debt that popped back up and torched her...

Not gonna lie i thought credit repair was a scam until I actually tried one. Credit Saint got a couple of items removed but i also learned a lot about how to maintain my credit going forward. I consider it an expensive crash course. Wouldn’t use one again but it helped back then when i was clueless.

I’m not even ashamed to say i ate rice and canned tuna for a month just to avoid taking out another payday loan. That pain was preferable to being stuck in that cycle again. These places sell you a solution that ends up being your next problem

I did a Zoom session with a guy from TikTok. Had 80k followers, sounded smart. But during the call he kept pushing his $399 course. I bounced after 15 minutes. Felt like a bait-and-switch. Beware the influencer experts.

Y’all ever notice how all these sites look the same? Blue-themed, smiling stock photos, free consultation buttons. I swear it’s like the same dev built them all. Could be legit but definitely fishy vibes.

Yo if they’re dealing with medical collections, look into Charity Care or hospital forgiveness programs. A lot of times you can get the hospital to pull the debt back from collections. way better than paying some middleman who just prints out dispute letters from a Word doc.

I treat BNPL like using a debit card with a delay. It helps me budget large purchases over a few weeks. I know it’s not impacting my score, but it does help my mental math. Credit score impact? No. Financial peace of mind? Kinda yes.

You’re totally fine selling with bad credit. The only exception is if the seller is buying at the same time and needs to qualify for a mortgage on the new place—then yes, their credit becomes relevant Also if your family member has a HELOC or unpaid property taxes, that could delay things Tell...

I’m in Canada and this isn’t really a thing here unless you’re applying to banks or the CRA. Credit reports aren’t as heavily used in hiring north of the border. Not sure where you are but worth checking the laws in your area.

I tried running a credit repair company in 2018. Things were going well until I got overwhelmed with support and backend ops. If you’ve got solid SOPs in place, that’s worth its weight in gold. Mind sharing if you’ve got training docs or videos included in the package?