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I financed a car with a repo on my record, but had to put $3k down on a $10k ride and still got a 16% rate. Paid that off in 18 months and refinanced through PenFed at 7%. There's light at the end.

Credit scores are like GPA. They only track specific behaviors: how much you owe, if you pay on time, stuff like that. EBT is outside that system. It’s more like free cafeteria lunch.....not gonna show up on your transcript.

I had better luck with Credit Versio tbh. But Ampm didn’t scam me they were just kinda… slow. They did what they promised, just not on the timeline I hoped for. Be realistic with your expectations or you’ll be mad for no reason.

Here’s what helped me: 1) Paid down balances to under 10% usage. 2) Only applied for one new card every 6+ months. 3) Set autopay for minimums to avoid missed payments. It’s not magic, but it works. Just be careful about applying for credit builder programs that charge fees.

Been there. I was sitting at a 624 in mid-2021 and finally broke 700 this year. Aggressively paying down balances helped the most, especially getting my utilization under 10%. I also became a credit limit increase addict. Every 6 months, I asked. Also, auto-pay for everything now to avoid even a...

I paid off a judgment from 2018 and it disappeared from my Equifax last year randomly. Still showed on TransUnion though. So yeah inconsistencies between bureaus are 100% a thing. Don’t rely on CK it’s blind to half the bad stuff anyway.

My friend had great success with Beacon Financial Counseling in Norwalk. They helped him consolidate, dispute, and rebuild. They also helped him rent an apartment with his new score. Pretty sweet.

Definitely start paying down your balances ASAP. It’ll lower utilization and help your score rebound. And maybe open a new card to help your total limit just don’t go nuts.

My partner and I launched under BrightTrack Financial and honestly, people LOVED it. Feels like moving toward the light, ya know? Clients said it felt safe but also motivational. So maybe something that references guidance or clarity could work?

I’m a data nerd so I made a Treemap showing the % of errors found across all the credit reports I’ve helped fix. Things like duplicate account, wrong balance, etc. Color-coded, beautiful, and actually helped me understand patterns too. Data = story.

Anyone here not get results with them? I’ve heard mostly good but i’m wondering if there are folks who felt like they got ghosted or just didn’t see progress. I don’t want to get locked in paying $99/month just to wait and see.

I used Lexington Law online while living in Boise, and while they’re not local, they were... okay? Helped with a few late payments but communication was hit or miss. If you’re set on local, i’d try to find someone who actually offers a free credit report review. Some of these guys just recycle...

I’m really happy with my Discover Student It. I use it for everything, pay in full monthly and love their app. I started with a $1,000 limit and got an auto-increase at 6 months. If you're not using rotating categories, though it’s meh.

You climbed out of heroin addiction and held down jobs through it? You’re already a legend. Compared to that, credit repair is just a slow puzzle. Keep stacking those green ticks on your file and you’ll be shocked how much changes in 18 months.

Careful they can say yes and still take the garnishment if you don’t confirm it’s in writing. Use certified mail or email with a read receipt. I made that mistake once. Double pain.

Experian Boost gave me +14 points. No joke. If you pay utilities or Netflix from your checking account, go do it. Also, adding rent payments via RentReporters got me another 25. Rent is a freaking mortgage payment these days—may as well get credit for it.

Never heard of the Credit Fairy as a companybut i had a guy on Fiverr clean up my credit report. $50 for 3 disputes and he actually got a Verizon account deleted. Don’t ask me how, i just thanked the financial gods and ran with it.

Y’all ever forget to pay a bill by 3 days and suddenly your credit drops 70 points?? Happened to me last month and i almost threw my phone. Setting up autopay across the board now. If this challenge gets me to stop living in financial chaos, I owe y’all a drink.

Make friends with your due dates!i started using a calendar reminder for all my bills, even the ones on autopay. It just gave me peace of mind. Also pro tip is if your utilization is high because of one big expense, try doing a balance transfer to a 0% card. Just make sure you’re disciplined...

Affordable AND reputable is a hard combo. But there’s a Facebook group called Laredo Small Biz Network where people share recs like this. You might find a hidden gem.