Make sure you register your business with the Secretary of State and get a business license from your local city. Some places in CA will fine you for operating without it even if you’re online only.
There are legit companies hiring WFH credit repair specialists. Some pay hourly others are commission-based. Depends on the company. Most of my clients are referrals now.
My contribution to the group was showing people what not to do. I once tried to dispute a legit charge just because it felt unfair. Learn from me, not with me.
if you're applying for a mortgage, lenders might still factor that balance into your debt-to-income ratio. Doesn’t hurt your credit score but can mess up approval odds. Happened to me in 2021
PayPal Credit does not report to all three bureaus equally. It reports to TransUnion and Equifax but some people say it doesn’t always show up on Experian.
I used a local lady named Carol’s Credit Coaching. Not a big company....just her. But she treated me like a person, not a paycheck. Took about 6 months but now I’m at 702!