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Mazuma used to be awesome before they modernized. Now it’s just... eh. Staff turnover’s high and the new app update introduced more bugs than features. Might switch to Meritrust....heard good things?

Honestly throw in a short quiz. Like 3 questions: “Do you know your current score?” “Have you tried fixing your credit before?” Then offer the free consult based on results. Engagement up, leads better qualified.

Got my ICFE cert in 2018 and haven’t used it once. I ended up going into insurance instead. That said, it was a good resume booster when applying to credit unions.

I racked up $1,200 in credit card debt in my first semester. Some of it was real emergencies but a lot of it was just poor impulse control. Now i live by the rule: If i wouldn’t pay cash for it, i don’t charge it.

This is oddly specific, but I used TruCredit Solutions.....they had a booth at a Jax home fair last year. Signed up, skeptical as hell. Surprisingly, they were professional, sent updates, and got one charge-off removed. Only reason i stopped was budgeting. Wish I could’ve continued.

I didn’t use them, but my cousin did. He said they were okay until he tried to cancel. Took 3 phone calls and a strongly worded email

Save your money and do it yourself. I cleaned up my credit using free templates from Reddit and a little elbow grease. Most of what these companies do, you can do too.....just need some patience and understanding of the Fair Credit Reporting Act.

UCES vs Credit Saint? I'd pick Credit Saint. Faster results, more transparent reporting, and less upselling. UCES felt like a multi-level marketing pitch half the time. If you're considering either, read the fine print carefully.

Used them in March. Disputed five items. Two got removed (small collections), one updated to closed. The others remained. Got a 50-point bump. So not bad but not a miracle either. Still better than trying to send letters myself with no clue.

Been there. It’s all fine until one missed payment… then it’s tension city. If they want to get on the lease, maybe have them show bank statements or pay stubs to prove responsibility. Some landlords will compromise with alternate verification.

If you're planning to get a mortgage later this year, start now. Disputes and deletions take time. Also make sure they’re not deleting accounts that help your credit age or mix some places are too aggressive and accidentally nuke your score short-term. Balance is key.

Put in a spot for Last time credit was checked and Do you have the full credit report PDF? Some folks only have their Experian score and think that’s all there is. Gotta nudge them toward annualcreditreport.com.

We used Landmark for my husband’s credit..... they were patient and explained stuff clearly. Took 5 months but they got 2 charge-offs removed. Worth it for us.

Form your business entity, register with your state, get your EIN, then look at compliance. Also: NEVER charge upfront for services unless your state explicitly allows it. CROA will body slam you if you do.

For people trying to avoid debt, layaway was a practical strategy. It built good money habits saving, patience, discipline. Credit often encourages instant gratification and overspending.

Do NOT pay anyone until you understand what they’re doing for you. I’ve seen people get locked into $1,000+ plans when all it took was a goodwill letter to the creditor. Read the Fair Credit Reporting Act. Knowledge = power.

I went the opposite route took me 2 years of grinding, paying off collections, sending letters, and calling creditors. It worked… slowly. But it burned me out bad. Wish i’d had someone like this to lean on.

If you’re serious, start with pulling your full credit reports (all 3 bureaus) from annualcreditreport.com. Look for errors, duplicate accounts, or things that shouldn’t be there. THEN decide if you need help. No company can fix what isn’t broken.

I actually called my lender once about this and they laughed. Said it's legally impossible to transfer the loan and they don't offer co-signing after the fact. They recommended the other person get a debt consolidation loan and use it to pay mine off. So yeah probably your only route.

as someone who ruined his credit at 21 and rebuilt it by 26. ALWAYS pay on time. Never miss that. Even if it’s $10. Set reminders, autopay the minimum if you’re forgetful. One late payment stays for 7 years. It’s unforgiving.