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If your friend’s thinking mortgage, tell them to start ASAP. RGV helped me clear up an old repo and 2 charge-offs but it took like 5 months before lenders started treating me different. Credit repair takes TIME. People think it’s like ordering Amazon Prime ......it’s not. But yeah, they did come...

Replying to u/DIYrepairhero.... totally agree. I sent disputes myself using certified mail. One collection came off because they couldn’t validate it and one charge-off was updated to paid. I think people forget that the credit system is built on documentation. If they can’t prove it they have...

Highly recommend the Experian Boost feature. It gave me 18 points instantly by adding my phone and Netflix bills. Doesn’t work for everyone, but worth trying. Also, I track everything with a spreadsheet. Date opened, credit limit, due date, balance. Once you treat credit like a game, you start...

People underestimate how powerful goodwill letters can be. I wrote physical letters to Capital One and Hyundai Finance. Got 1 of 3 lates removed. Didn’t use a company, just Google and persistence. If your fam has good payment history recently, this might be worth trying first.

Been doing this game for years (mortgage lender). What matters: remove inaccuracies, pay revolving debt down, don’t close old accounts, and never pay collections without negotiation. If a credit repair company isn’t teaching that, they’re just burning time and money.

You're lucky this happened now and not mid-house purchase. Imagine getting a score hit mid-offer. As painful as it is, this is a good opportunity to build some credit depth right now your file is thin. No credit cards or loans means no track record. Time to get a low-limit card, use it lightly...

I actually used American Credit Repair last year when i was trying to get an auto loan. I had some charge-offs and late payments dragging me down. They did get 2 out of 4 items removed, which helped bump my score about 40 points over 3 months. Not miraculous, but legit. It’s not instant though...

Just chiming in as someone who tried and failed at this 5 years ago. My mistake? Not niching down. Try focusing on one audience: single moms, military vets, first-gen college grads....whoever. The more specific your offer, the more trust you’ll build. Broad doesn’t convert.

You’re in a good niche.. credit repair is evergreen. People are always gonna mess up their credit. Just make sure you build or buy something with long-term SEO potential. Don’t rely only on IG traffic.

I used Lexington Law before and switched to Freedom. Freedom felt more personal, less corporate-y. The results were similar but the vibe was way better. I wasn’t just a case number with them.

Big shoutout to anyone trying to fix their credit. It ain’t easy. Especially when you got hit with 2020 job losses and the aftermath. Getting back on track is like running uphill in flip-flops. If Alsip’s got good folks helping, let’s share names and keep each other winning.

120 point jump is impressive but not unrealistic if you had high-impact negative items removed (like collections or charge-offs). The FICO algorithm hits hard on recent delinquencies so removing those really can cause jumps like that.

Funnels matter folks. I had the best offer but my landing page looked like it was built in 2009. A proper agency gave me a lead magnet, email sequence, and cleaned up my CTA flow. Conversions went from 3% to 18%. Worth every penny.

Tried fixing my credit through Credit Karma disputes. Useless. The items remained verified. Found a Reddit thread recommending a smaller company and they were aggressive with follow-ups. Score jumped 53 pts in 3 weeks. Not magic but hey it worked.

I hit 801 last year and legit danced in my living room like i won the lottery u never forget that moment It feels like finally getting recognized for all the budgeting, sacrifices, and avoiding that one impulse TV purchase at Best Buy. Seriously though i hope this is the start of even more...

This thread is giving me flashbacks....i got my first card in college, maxed it out buying concert tickets and food. Took me years to crawl out. Wish I’d known that credit isn’t extra money....it’s borrowed money.

These companies prey on panic. We can help you get a loan! Meanwhile they milk your wallet and leave you hanging. Saw a dude on Trustpilot who was 6 months in with Credit Clean, no updates and ghosted by customer service.....yikes.

I’ve been burned by Lexington Law and Ovation before so i was super hesitant about Seminole. But my brother used them and saw some results. They’re not national though.....they focus more on Florida residents I think? He had a repo and charge-off removed after 6 months. He said they were...

Look into partnering with first-time homebuyer programs. Credit repair is a huge step before pre-approval. If you can find a local real estate agent, offer to run free credit reviews for their clients. It's a great source of warm, qualified leads who actually NEED you.

Partnerships. I offer discounted services to local car dealers and rent-to-own places for their declined apps. Keeps their pipeline moving and feeds me leads.