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Used them back in 2022. Paid $129/month. They did remove two collections, but it took almost 5 months. Honestly? Meh. Not a scam, but not magic either.

That’s way too specific for a random guess. I wouldn’t be shocked if someone in a call center leaked details. Either that or Citibank’s fraud alerts are getting intercepted somehow.

Found success using Client Dispute Manager Software. Not a company just a tool. Helped me DIY the smart way.

Been there. I used The Credit Pros a few years back. A bit pricey, but they helped me clear 4 collections in 6 months. Also taught me about credit utilization. Worth it if you're busy or overwhelmed.

Using debit makes me feel more in control. Using credit makes me feel like an adult. I am neither.

Used them last year when I was trying to bounce back from a stupid store card that went to collections. They didn’t charge upfront, which I liked, and they actually got two things removed in like 2 months. Not magic but definitely progress.

Used it a few times for big electronics purchases. As long as u don’t miss a payment and keep your utilization reasonable, you’re golden. Synchrony Bank does a hard pull though when u apply.

Does anyone know if being added as an authorized user still helps? My mom offered but I’m 27 and feel weird about it lol.

They tried to collect on an account that was already charged off and sold to someone else. Like bruh who even owns this debt anymore?

Before paying anyone, try sending goodwill letters to your creditors and dispute inaccuracies with the bureaus. That alone boosted my score by 40 points. No fees necessary.

Yikes, that would definitely make my heart skip a beat. $15 shouldn’t ruin your score, but I’d still keep an eye on it for the next month. Credit bureaus love drama.

It helped me build credit when I had almost none, but the APR is brutal if you don’t pay it off before the 6-month promo ends. Ask me how I know 😩

I tried doing credit repair part time through a course I found on Udemy. Legit stuff only. Made a few hundred a month on the side. It’s not hard but it’s definitely not get rich quick

Trust is everything in credit repair. Use blues in your design..it psychologically signals reliability and calmness.

If you travel for work get the Capital One Spark Miles for Business. Solid rewards and you can transfer miles to travel partners👌

I’m a loan officer and i highly recommend Credit Coach 911 in Tampa. Seen multiple clients improve their scores dramatically before closing. They charge monthly but you can cancel anytime.

Same here! It’s from Experian IdentityWorks. I checked the URL and it was legit. Still changed a few passwords just in case 🤷‍♀️

Be careful. A lot of these companies just dispute everything ....valid or not and that can backfire. You don’t need to pay someone hundreds a month for things you can do with a stamp and a spreadsheet.

Honestly, the income can be high, but so can the legal risks if your company crosses lines. Ask to see their SOPs and client agreements.

Looking into Mountain America credit union and was wondering if anyone here has personal experience with them. How’s their customer service online banking and overall reliability? I'm considering opening an account or possibly moving some of my savings there but I’d love to hear what others...