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Late payments? Try goodwill letters first. Had two 30-day lates with Capital One, sent a physical letter explaining the situation (COVID stuff), and they removed them in 45 days. Score bumped 45 points. Don’t underestimate the power of being polite and persistent especially if you’ve been a good...

Apps like Tally or Debt Payoff Planner saved me. Seeing the total go down week by week was incredibly motivating. I also cut up my store cards........way too tempting. Not all credit is good credit. Stick to one or two solid cards and focus on building slowly. Don’t open five new accounts just...

Honestly if they’re up for it, tell them to sign up for IdentityIQ, pull all 3 reports and start documenting everything. Then use templates to dispute anything that’s unverifiable. I’m not anti-service but most people can do 70% of what these firms do themselves with patience.

I’m not saying all credit repair is a scam…but a lot of it is marketing fluff. A good budgeting plan and secured card did more for me than any service ever did. And that’s free. Just saying.

Same thing happened to my cousin—except she applied to like 7 lenders ......Credit score dropped like a rock. But she got a secured card, put Spotify and Netflix on it, paid it off monthly, and within 9 months her score was up 150 points. It takes discipline, but you can bounce back faster than...

Bro I work in underwriting and let me just say… we can spot credit repair attempts from a mile away. Disputes don’t always mean clean credit. Lenders are hip to it now. Also, sometimes those deleted accounts can reappear later when verified. Not saying it’s a scam, but don’t think it’s a fix it...

Have you looked into nonprofit partnerships? Some housing counselors and community groups are looking for reliable pros they can refer folks to. But they hate dealing with shady repair agencies. Show them your compliance docs, your process,and your vision.......they’ll listen.

Just don’t buy a site that looks like it was designed by someone binge-watching Breaking Bad in 2008. You’ll thank me later.

LOL free consultation just means they’re gonna pitch you like crazy. But at least these guys seem to back it up. I’ll give ’em a call this week and see how it goes. Not expecting magic just wanna stop living in credit hell.

That’s awesome! i had no idea Alsip even had credit repair firms. I always thought you had to go through those fancy online places with TV ads. But now that i think about it, someone local probably cares more because word of mouth matters in smaller towns.

Maybe it’s just me but this sounds too good to be true. A lot of these testimonials are planted. Hopefully its is real and not a rep in disguise

I don’t know i tried two different agencies and both sent me Facebook leads that were half-baked. Like why are 19-year-olds with zero credit history filling out my form? Feels like i was paying for data, not actual intent.

Not gonna lie i thought credit repair was a joke until I saw my friend go from 590 to 690 in like 40 days. Dude was sweating bullets trying to close on his first house. They cleaned up 5 inaccurate late payments and boomhe got the loan. There’s definitely a legit side to it if you find the right...

Daaaamn, this makes me want to open Credit Karma just to feel something Seriously though, hats off. That’s not an easy journey, especially with student debt. i’m convinced income stability is underrated in credit scoring. Like once you’re not overdrafting every week, everything else falls into...

Sometimes the credit system punishes you for doing the right thing. Like closing a paid-off card and losing credit history points. Or keeping a card open and getting hit with an annual fee. Damned if you do, damned if you don’t.

Still on the fence here. Credit Wipe offered a results based plan where i only pay if they succeed but the terms were a bit vague. Anyone had luck with that model?

Did they work? Kinda. But was it worth $99/month? Debatable. They were very slow and only got one account deleted, which I honestly think i could’ve done myself. They’re not shady but not superheroes either. I stuck with them for 3 months, then switched to a DIY method using templates from...

Red flag if anyone tries to charge you per lead without showing where they came from. Ask how they’re sourced are they from opt-in funnels? Cold scraped emails? You need to know that. Also test every source with a small batch before going all in. 10 trash leads in a row hurts less than 100.

Tried buying leads once… got burned. Half the numbers were disconnected. Stick with content marketing or even TikTok if you’re willing to show your face.

I use Apple Pay linked to my credit card for the points, then track everything via Mint. I haven’t carried a wallet in 2 years. Love the modern setup.