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Make sure it scales well. Your logo has to look just as good on an Insta profile as it does on a business card or website footer.

Okay but how do y’all handle people who expect miracles?? Like i had someone ask if i could delete a foreclosure from last month.

Alabama does require a business license, and if you're charging upfront, you're dancing on thin legal ice. Don’t skip your legal homework.

Credit repair is like being a financial therapist sometimes. People come in panicked, embarrassed, and confused. Being empathetic goes a long way.

This is why i always screenshot T&Cs and save ALL customer service numbers in my notes app. Learned the hard way with a gym membership.

Wait at least 30 days post close. The reporting lag can screw up your loan pre-approval numbers if you’re not careful.

Don’t get discouraged. Greek systems may feel opaque but they’re also more personal. A good relationship with your bank officer goes a long way.

Make sure to read the lease terms—especially mileage limits, wear-and-tear clauses, and the residual value. A lot of people get screwed when they return the car.

Highly recommend myFICO forums. Not flashy but tons of legit info. Also check out YouTube channels like Dovly or Credit Plug...they break down disputes, goodwill letters, etc.

Does anyone else just use a prepaid card for small purchases? If it gets jacked, they only get like $14 and some change

As someone who carries an Amex Gold and uses it for everything, never once seen it drag my score down. But I pay it off weekly, so maybe that’s why.

Ask about any current debt consolidation programs. You don’t want to mess with active settlement efforts.

One trick is to join a credit union. Mine gave me a small auto loan at 9% when banks said no. Drove a 2006 Ford Focus and built up from there.

They're probably not fixing credit. They're just selling hope with a monthly fee attached. Buyer beware.

Are we sure they don’t report garnishment anymore? I swear I saw Wage Garnishment listed under public records in my old report.

Y’all keep talking ads... but are your Google Business listings optimized? Local SEO > PPC for me any day of the week.

Not defending them but has anyone had a good experience with any credit repair company? Just feels like a shady industry across the board.

I work in credit underwriting. PayPal Credit can help build credit if managed well. Just beware if your utilization spikes it’s factored into your total revolving credit usage across all accounts.

Mine hit TransUnion Texas, got approved instantly, $2,500 limit. They started reporting to all 3 bureaus the next month. Didn’t hurt my score too much but YMMV.

Agree with you to a point but i was getting nowhere disputing on my own. Got results faster with a pro even if i paid. Not everyone has the time or know-how.