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I did not use Second Chance, but I used another company and they literally just sent online disputes through Experian, TransUnion, and Equifax. You can do that in 15 minutes yourself. The only benefit was I did not have to think about it.

Netflix helped my credit? Yeah, thanks Boost. Honestly didn’t expect it to work but I went from 701 to 713. It’s small, but hey, I’ll take it. Every point counts when you’re trying to get that 2% mortgage rate!

Here’s a thing most don’t realize: many of these companies just send form letters to Equifax, Experian, and TransUnion. It might work temporarily, but if the info is verified, it comes back. The Fair Credit Reporting Act gives YOU the right to dispute. You don’t need a middleman.

Honestly the worst part is that your credit report doesn’t reflect your intent. I’m busting my butt in public health, and my score is barely above average. Like… do better, Equifax.

I hate that these places target people who are just trying to survive. Your story isn’t a mistake....it’s a reflection of how hard it is to get by without credit. You learned and you’re fixing it. That’s powerful. Rooting for you.

Not in Lubbock anymore but grew up there. My mom used a local company called West Texas Credit Solutions back in 2021. They helped fix her score before she bought a house. If they’re still around, I’d give ’em a ring. Small team but they knew their stuff and weren’t scammy.

Honestly, sounds like Citi’s dispute team either doesn’t care or is poorly trained. The fact that a rep used the wrong code and no one caught it until you chased them is wild. I’d switch cards after this, tbh.

I DM’d them on Twitter when I couldn’t find a good number. Shockingly, they replied within a few hours and gave me the right line to call. Didn’t expect social media to be the fastest option, but here we are.

It’s all about digital verification now. The big banks and fintech companies are doing it all behind the scenes. If something seems suspicious, then yes...manual verification with ID might kick in. Otherwise, you just type stuff and hit submit. Wild times!

I’d recommend signing up for Experian Boost and Credit Karma. Boost gives you credit for utilities and phone bills, and Credit Karma at least helps track changes. Don’t pay for credit monitoring right now.....use that cash to build savings or pay off debt.

Honestly, the best repair I ever did was talking to my creditors. Got two of them to accept full and final settlements that were marked satisfied. That boosted my score over time. Cost me a few hundred but saved my sanity.

Did a consultation call. Felt like I was on the phone with a car salesman. All upsell, little substance. When I asked what exact strategies they use, they danced around the question. Hard pass for me.

Have you tried prequalifying through Capital One Auto Navigator? Not all dealers accept it for leasing, but you’ll get a sense of where you stand credit-wise without a hard pull. I used it when I had a 615, and it was a decent filter.

Used a guy named Marcus from Clear Score Solutions (based in Oak Park) and he worked with a lawyer buddy to handle disputes. He helped my partner fix their report after identity theft. It wasn’t magic, but it helped. Vet them like you would a contractor.

I got a digital one from TikTok. Yeah I know… but weirdly, it worked. Cleared up 2 collections that weren’t mine. Just be careful, a lot of sellers are just flipping free info.

Did this in 2020..credit score was fine, but when i applied for a BTL mortgage, the underwriter asked me to provide proof that my tenant-friend was paying on time. That was awkward. Keep records!

I made a kid Credit Report for my twins. It had categories like chores, homework, etc. They loved watching it go up.

This year, i’m going full attack mode on my student loans and aiming to get my utilization down from 78% to under 20%. I started using the avalanche method and already see some movement. Goal is 750+ by December. I'm tired of being financially almost there.

I was the executor for my uncle’s estate. Found an email thread about a $7,000 loan. We showed it to our probate lawyer and got a judgment in small claims. Took a year though. Not fun.

Ugh yes. I did cancel but then got charged twice anyway (go figure). Took 3 emails, 1 phone call, and a Venmo bribe to Satan to get my money back. JK on the last part. But seriously, harass their customer support if needed.