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I once asked my uncle and literally started with i know this is a wild ask but i trust you and figured i’d at least ask. Shockingly he was like U asked better than most people i know. That stuck with me. Be humble. Don’t assume.

I stopped using credit for a bit and focused on savings. Once I had $1k in the bank, I attacked my cards using the avalanche method (highest interest first). Less stress + better score = win-win. Habits matter more than hacks IMO.

Had a pretty good experience with a local nonprofit agency called Consumer Credit Counseling Service (CCCS) of Northern Illinois. They're more focused on budgeting and debt management, but they helped me draft letters and walked me through disputing stuff on my report. Way more affordable and no...

Honestly too many people jump into credit repair thinking it’s a quick buck. But this industry is super regulated and can get shady FAST. I’d say unless you’re planning to scale it into a full biz, you might be better off sticking to coaching and free resources. The liability isn’t worth...

I did it myself with help from r/personalfinance and a PDF someone here linked months ago. Credit repair companies are like hiring a tutor when you can self-study. If your family member has time, look into pay-for-delete letters, goodwill letters, and debt validation. Free and effective.

lol i almost hired Speedy Credit Experts off Instagram because their ads were fire. Glad i didn’t. Found out from Yelp they were basically copy-pasting dispute letters with wrong info. Friend of mine used South Suburban Credit Repair and had better luck. Apparently they actually do a soft pull...

never use your personal cell or email. Get a business line (I use Google Voice) and a domain email. Clients WILL message at 11pm asking about Equifax updates. Boundaries are your best friend. I also use LastPass for client logins, because... well you do not want to be the person who leaks...

Made over $300k last year in gross from credit repair + tradeline sales + business credit setup. But and this is big overhead is real. My office lease, software stack, virtual assistants, and ad spend brought my actual net down to around $115k. Still worth it, but not as flashy as the IG coaches...

My wife and I tried Lexington Law first and it was underwhelming. They just sent out canned dispute letters and charged monthly with little transparency. We then found a local woman named Angelica who works out of Rio Rancho. She was clear, kind, and explained everything. Helped us remove an old...

Be careful with ANYONE who promises score boosts. They don’t control FICO. The best they can do is dispute errors and coach you. If they guarantee results, run. What helped me was working with a certified financial counselor from a nonprofit. And they taught me to avoid dumb mistakes in the...

Lenders are legally not supposed to give too much detailed repair advice because it gets into credit counseling territory. That’s probably why he passed you to the credit team. Liability stuff. But yes you can fix this yourself. It’s not always fast, but it’s not rocket science either.

To anyone reading this thinking but i’ll be different.....you won’t. Life happens. Cars break, hours get cut, bills pile up. And when payday comes, your check’s already spent. I’ve seen it firsthand. It’s like quicksand with a neon Open 24/7 sign.

My church had a financial wellness workshop and one of the volunteers was a retired banker. He sat with me for free, went line by line through my Equifax report and even helped me draft letters to dispute an old utility bill. Angels come in unexpected forms.

Credit repair tip: if they don’t explain exactly what they’re doing for you each month they're probably stalling. I’ve used two similar services and both just waited out the disputes hoping stuff would auto-drop. MyCreditApprove might be the same deal.

I used Lexington Law years ago not Albany based and honestly, local might be better. You can actually sit down with someone and hold them accountable. Just make sure they don’t promise deleting bankruptcies or 800 credit scores in 30 days. If it sounds too good to be true…

when I applied for a mortgage last year, the lender asked about BNPL accounts even though they weren’t on my credit report. Apparently, some underwriters are getting smart to the fact that these services are like hidden liabilities. So... it might matter more than you think.

Sold my place with a credit score in the low 500s. You know what mattered? The buyer's pre-approval letter and the appraiser not being a drama queen Don’t stress about credit. What you DO need is a good real estate agent who can manage timelines and disclosures.

Was hiring for a receptionist last year. We saw resumes with all kinds of backgrounds....some had spotless credit, others didn’t. We never even checked credit. But i can say that professionalism and attitude during the interview mattered a lot more. Just show up on time, dress sharp, and don’t...

This would be amazing for someone trying to bolt-on services to an existing tax or financial consulting business. Lead gen for credit repair can be rough unless you already have a funnel so if the new buyer gets your past campaigns or access to your pixels that’s a big bonus.

I emailed them for a consult and they were pretty responsive. Told me they couldn’t guarantee deletions but would analyze the reports first. I liked the no-BS approach. I ended up not hiring them (decided to DIY) but if my disputes fail, I’d circle back to them. They didn’t hard-sell me which i...