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I was a credit card abuser in college. 3 cards maxed out by junior year. Spent 5 years cleaning it up. Now i use one cash back card like a debit and track every purchase.

Applied to 90 Columbus in 2022 with a 665 and was rejected....no cosigner. If your score’s under 700, bring receipts literally. Income, references, bank statements, anything.

They don’t get more attention because they require a bit of research. People like plug-and-play stuff, not transfer partners and spend tracking. But if you’re willing to learn, these cards are a gold mine

court judgments won’t hit your FICO 8/9 anymore because of 2017 rule changes. But mortgage lenders use older models like FICO 2/4/5 which can still factor in public records. Old software big consequences

Not a lawyer but my own research and experience say the garnishment itself isn’t reported. As long as you’re not defaulting on anything else and you’re working on positive credit habits, your score can recover even with the garnishment still ongoing.

If someone’s promising fresh exclusive mortgage denial leads, ask them for proof. A lot of those vendors just scrape data and call it new.

If you're mechanically inclined and always around gas stations like I am, it’s convenient. Plus, you can track gas expenses for tax write-offs if you’re self-employed. Just keep the receipts!

They cool. Not amazing, but not trash. Took a bit of time (like 3 months before any results), but they got my score from 590 to 650. Chill reps too.

As someone who’s been renting for over a decade with ZERO missed payments, I’d love if that actually counted for something. My credit history is thinner than a college student’s wallet. If utilities and rent help pad it, bring it on.

From a lender’s perspective: 805 or 850 = same tier. You’ll get the best rates either way. It’s diminishing returns after a point but i get the appeal of that perfect number.

Have you tried pulling your credit reports and going line by line? Most of these companies just dispute stuff you could dispute yourself for free. Not knocking CRB in particular just the biz model.

Been using Pay Monthly for concert tickets, a mattress, and a vacuum (aka adulthood starter pack). It showed up on Experian and TransUnion for me. Score’s gone up 12 points over 4 months I feel like a responsible adult now… kinda.

I got obsessed with credit scoring models lol. Turns out VantageScore and FICO weigh things a bit differently. My FICO 8 went up faster when i focused on utilization vs. new accounts. Point is, learn what lenders actually look at!

Anyone else think the scoring models are kinda gatekeeping credit growth? Like sure i opened 3 cards, but I’m still paying everything off and using 5% utilization. Why the punishment?

When i applied i was 19 and jobless. They still gave me a card. Why? Because they knew my parents would bail me out. They’re not just betting on you, they’re betting on your family’s safety net.

I went with KC Credit Services last year. They helped me dispute a few collections and got two removed. But their communication could’ve been better. It felt a bit like I had to chase them down for updates.

They work kinda like Lexington Law, just smaller scale. Monthly fee, dispute cycles, progress portal .....the usual. But i liked that they didn’t try to upsell me a bunch of extra services like credit coaching or budget spreadsheets.

They helped remove a repossession from my report which was huge. But after that, progress stalled. Communication slowed and the custom strategy started feeling real generic. They're not all bad just not miracle workers.

No experience but rooting for everyone trying to clean up their credit. It’s wild how something that didn’t go through can haunt you for years. Good luck to you all!

I almost signed up but backed out after reading their terms of service buried in there is a clause saying results aren't guaranteed and that you might be charged even if disputes fail. No thanks.