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Before you ask, do your homework. Know your credit score, the loan amount, interest rate, etc. If you come in like i just need help that’s vague and off-putting. Specifics show you’ve thought it through and respect their time and credit.

Totally feel you. My score was 611 in January and now I’m sitting at 687. What worked for me: 1) Pay twice a month, 2) No new hard inquiries, 3) Became an authorized user on my dad’s old Amex. That last one gave me like a 30-point jump.

Can confirm CCCS is solid. They don’t advertise as a repair company but they helped me get set up with a DMP and even coached me on how to boost my FICO over time. They don’t promise deletions but they do help you clean up your credit life in general.

check out Client Dispute Manager Software. It’s pretty good for keeping client data safe, offers dispute templates, and helps track everything. They also have training built in. For side hustlers like us, it can be a game changer compared to juggling spreadsheets.

Yo if you’re looking for bilingual support, my Tía used Solución Credit Services they’re in Glendale and speak Spanish fluently. Super kind people, explained everything in layman’s terms. Her score went from 530 to 670 in under a year. Also helped her budget so she didn’t fall back into the same...

Not in Tinley but i’m a loan officer in Oak Lawn. We usually refer people to Midwest Credit Advocates they’re licensed, ethical, and work with local lenders so they know what underwriters want to see. Some credit fixes actually hurt mortgage apps, so go with someone experienced. Don’t just pick...

Been doing DIY credit repair for years for myself and fam. Thought about going pro but not sure i wanna deal with the pressure. People treat you like a miracle worker when really, you’re just mailing letters and crossing fingers. I respect those who’ve made it work though. Maybe I’ll just sell...

Following this thread because I just bought Client Dispute Manager and I’m in month 1. Zero clients so far. I’m trying to network with realtors and auto dealers but it’s hard to gain credibility. Anyone have tips on how to get those first few paying clients?

I’d recommend Credit Saint if you go online but if you’re sticking with Albuquerque locals, try checking local Facebook groups. I found my credit coach there and she was great. Most of them offer a free consultation call just avoid anyone who guarantees results. That's a huge red flag. Credit...

Yesss i’ve been to CreditWorx on Atwells Ave. They do in-person consultations and walk you through your report line by line. I had like five negative items and they got three removed in about four months. The other two were legit but they helped me write goodwill letters that eventually worked...

Honestly sounds like your lender handled it pretty professionally. A lot of them would’ve just said come back when your score’s higher and moved on. At least he pointed you toward some help. Whether you take it or not is up to you but it’s not a red flag IMO.

I like how payday loan places are called Cash Now but should really be called Broke Forever. Like thanks for the $300 now i owe you my soul and a kidney.

Check out a platform called SavvyMoney ......some banks offer it with your checking account. It's not a human but their interface highlights suspicious stuff and gives you tips to improve. Helped me find a 9-year-old closed account still reporting late payments.

Y’all ever notice how all these sites look the same? Blue-themed, smiling stock photos, free consultation buttons. I swear it’s like the same dev built them all. Could be legit but definitely fishy vibes.

My neighbor used Clean Slate Credit Solutions. She said they were real kind and explained everything, even gave her free budgeting worksheets. It took time nothing instant but her collections disappeared in six months and her score jumped about 70 points.

No credit impact unless you mess up. Then it's definitely reported. I was late on one Pay in 3 payment because I changed banks and forgot to update my info. PayPal froze my account and sent it to a collections agency in 45 days. That did go on my credit report.

Nope your credit score does not matter when you’re selling. The buyer’s the one getting the loan, not the seller. The only way credit might matter is if you’re underwater on the mortgage and trying to do a short sale then the lender might pull your credit to approve it. But for a standard sale...

If you’re worried just be prepared to talk about it if it comes up. Like have a short explanation ready.......i had some financial issues during COVID but i’ve been actively resolving them and rebuilding my credit. Most employers appreciate honesty and accountability over perfection.

Honestly this is the best way to get into credit repair buying a running biz. I wasted months on LLC setup, website dev, CRM testing, and never even launched. If i had just bought something turnkey, I’d have made money instead of spending it. Hope someone snags this!

Their social media posts are fire but their results? Mid-tier. Used them last year, saw some deletions, but they hyped it like I’d hit 750 in 60 days. I hit 650 in 90. Not bad not great. I think they’re more for people who need guidance than a fix-it-all solution.