Search results

Same login loop here. I emailed support five times and got ghosted after the first reply. I swear the tech team is three raccoons in a trench coat.

Had an old Capital One zombie account like that. They verified it but couldn’t show any proof. 609 request plus complaint to my state attorney general finally got it removed. Make some noise quiet requests go ignored.

It’s wild how something meant to be a vacation turns into a credit nightmare. Maintenance fees went up every year and when i couldn’t pay, they hit my Experian report. Zero warning........never again.

So my cousin used them, and they did get some results. But she said the billing was confusing.....she thought it was a flat fee but ended up being monthly. Always read the fine print.

As a loan officer i’ll echo others: the fix your credit fast crowd is usually smoke and mirrors. A few points can be gained with utilization tricks,but deeper damage takes real time. Ask for a copy of your credit audit before signing anything.

I tried Credit Revival Pros out near Mooney Blvd. Took 2 months to even get an update. Felt like I was chasing them. I ended up canceling and doing it myself with better results.

It’s wild that housing has us all scrambling like this. I remember being denied for an apartment over 1 point. Like, 599 instead of 600. That desperation is what these companies feed on.

You’re doing more than most. Don’t beat yourself up for accepting help. This system exists because life does get tight. SNAP doesn’t show up on your credit file, so use it, breathe, and focus on school. Proud of you for not taking on 90-hour weeks...burnout is real.

If you’ve been manually handling reports wait until you try automation tools. Dispute letter generators, AI scrapers, follow-up trackersgame changers! Franchises usually have these built in but you can buy them yourself.

Not a client but i called them and asked a bunch of annoying questions. The rep didn’t rush me, explained credit laws, and even pointed me to a free resource. Rare level of chill.

I used to work in collections and I’ll say this: some of the most effective repair happens when people just negotiate settlements themselves and get deletion agreements. DIY can go a long way.

You’re already ahead of the game by asking. Most folks just ignore it and hope for the best. Start small: get a secured card, set up autopay, and breathe. You’ll be surprised what six months of good behavior can do.

Yep i started at 645 and now I’m at 765 after 5 years. No secret sauce just keep that utilization under 10%, never miss a payment, and maybe get a secured loan later to add variety.

You’ll get real tired of net 30 vs net 60 convos real fast. But there’s also high stakes stuff...like determining whether to extend $10M in credit to a manufacturer. That pressure is real and exhilarating.

Credit Karma is not enough. Show people how to pull real reports from AnnualCreditReport.com and analyze that. The details matter

Go on Better Business Bureau and look up any company you're considering. If they’ve got complaints about ghosting, unauthorized charges, or unfulfilled guarantees...avoid. That saved me from making a big mistake.

At least you’re asking questions now,and not six months later when your credit card bills look like a stranger’s shopping list. You’ve still got time to act.

Honestly CreditMRI felt more trustworthy than others because they didn’t demand payment up front. That said my results were uneven. Some stuff came off fast but old medical debt stayed on no matter what. Still +40 points overall.

If you're looking to break into fintech this is a good starter job. Pay won’t make you rich but you’ll learn dispute logic, customer psychology, and remote ops. Just don’t stay too long if you want growth.

Yes! Mine showed up as a revolving credit line on Experian but didn’t even show on TransUnion. So inconsistent. Credit is a weird black box sometimes.