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I had a 730 but still got denied because my roommate had a 540. Some buildings average your scores. We ended up getting a cheaper place uptown with a more lenient landlord.

You nailed it with the player 2 strategy. My spouse and i looped 3 Ink cards with referrals. We got something like 420,000 points across both of us Chase needs to chill before I never pay for flights again

Was it a personal lease or signed under a business entity? If it’s under an LLC and you didn’t personally guarantee it that might change how it affects your credit. But sounds like they came after you personally.

Organic is king. Set up a Google My Business page, drop content on TikTok, and engage in credit Facebook groups. You’ll get leads who already trust you.

We bought leads from a TCPA compliant company. Expensive but the peace of mind + conversion rate made it worth it. Legal risk is real folks.

True! Utilization is key try to keep your balance under 10% of the limit. So if your gas card is $300, don’t let more than $30 sit on there during statement close

AFS helped me remove 2 charge-offs. Not easy cases either. They were patient and persistent. No ghosting like other companies. I’d recommend them cautiously.

Honestly i think this is long overdue. Tons of folks pay rent and utilities on time for years and still can’t qualify for decent credit because they don’t use credit cards. If this bill helps them get on the map, I’m all for it. But yeah i’m wary of how it’ll be implemented.

At this point i’d settle for consistency. Experian says 831, TransUnion says 808 and Equifax is over here throwing dice like it’s a craps table. Make it make sense.

Bro CRB talks a big game. I signed up in Jan. It’s now June and ONE thing got removed. Not worth the $129/mo imo. I'm switching to DIY and YouTube tutorials.

If you're using it responsibly and making payments on time.......i think you're doing great regardless of whether it reports. Your habits matter more long term. Credit is a marathon.

Fixing your credit is one of those things that feels impossible at first but becomes second nature. Track everything. Make minimums automatic. Celebrate small jumps. It’s not just about the score......it’s about control.

Gardening is like RPG grinding for credit health. You don’t see much change day to day, but suddenly boom level up. Keep your utilization under 10% and let it simmer.

Honestly they’re hoping you’ll make dumb mistakes. A late payment here, a big balance there, and bam interest accrues. Young folks are easier targets because we’re still figuring money stuff out.

Honestly, most credit repair companies make me nervous. If they’re charging upfront, that’s a red flag. The FTC has rules about this. If they won’t explain their dispute process clearly, run.

I’d trust them more if they weren’t so heavy on the Facebook ads. Every time a company is all glitz and glam on social but light on Better Business Bureau reviews, i get nervous.

Be careful they can’t legally promise score improvements. If they do, that’s a violation of the Credit Repair Organizations Act. I’d ask for everything in writing and pay with a method you can dispute if needed.

I used Lexington Law back then. Not endorsing them per se but they DID get my dismissed Ch. 13 off Experian and Equifax. TransUnion still has it tho. Maybe i’ll try the DIY route now.

Veracity was the push i needed to finally get serious. I didn’t stick with them forever but they got me started and taught me a lot. Sometimes paying for structure is worth it.

Credit Saint was all talk in my case. Charged me $99 a month for six months and only got one inquiry removed. Their customer support was nice but vague. Ended up cancelling and disputing on my own. More success that way.