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Oh man, I live in Vegas and went through three different "repair services" before just doing it myself. Most were all talk, took my money, and said it’s in process for MONTHS. Best move I made was signing up with Credit Karma and pulling my real reports from AnnualCreditReport.com. You learn...

Anyone struggling with multiple debts: do NOT ignore collections. They don’t just disappear. I made payment arrangements (even $25/month) and asked for pay-for-deletion deals. Two said yes! Also learned the hard way......never co-sign. My ex stopped paying and it tanked my score. Now i don’t...

Check out Georgia Credit Fixers. They're small but effective. My husband had 7 collections and 4 late payments removed across 9 months. Not overnight magic but they were transparent and gave us a customized plan. Our lender even complimented how clean the report looked by the end.

Have your friend check if they’re eligible for Experian Boost or other reporting tools before hiring anyone. Sometimes small things like that + paying down a credit card by 10% can shift their score just enough for a lease.

Wait so you never had a credit card, and your score was 800+? That’s honestly wild. Usually Aussie scores reward active usage. Anyway yeah multiple hard pulls in a short timeframe are seen as risk signals. I’d say don’t panic too much. It’ll bounce back as long as nothing else hits your file...

I didn’t use them but my cousin did. He swore up and down that they changed his life but when i looked at his credit report 6 months later like one collection account was gone. Everything else was the same. He still got denied for a mortgage. I feel like these companies prey on hope. If you’re...

Red flag if your pricing feels confusing. Keep it simple. I used to have 4 tiers....too many. Settled on 2: Essential and Complete. People don’t like guessing. They want clear answers and fast onboarding. Also: ditch PDFs for onboarding. Use Typeform or GHL custom forms.

Lead forms are one thing, but make sure you’re also capturing email and phone data securely. Had a buddy get in trouble for not using encrypted forms especially important when dealing with sensitive info.

Same here. Their portal is super easy to use and i liked the regular updates. I never felt like I was in the dark about what was happening. That alone was worth the monthly cost for my peace of mind.

I tried Sky Blue and honestly felt like i was just paying for someone to press Send on a generic letter. Glad to know someone local actually sat with you and explained the process. Sometimes the education alone is worth the price.

Good stuff! Just remember to maintain that score after the repairs.......keep old accounts open don’t rack up new debt, and be patient with any rebuild. It’s a marathon not a sprint!

The follow-up system alone paid for itself in a week. I stopped losing leads to competitors simply by responding faster and more professionally. And yes they even gave me pre-written SMS and email scripts that were already compliant. This ain’t fluff y’all.

True emergency repair is rare, but possible. I used a guy who used Metro2 compliance language and knew the system better than I did. He didn’t promise anything but got 3 deletions. I went from 611 to 672 in a month and a half. Still took effort, but not as hopeless as I thought.

This gives me hope. I’m currently making $18/hr, juggling two side gigs, and trying to pay off $35k in student loans. Reading that you were in a similar spot and still made it to 806? That’s the motivation I needed today. The system’s stacked against us, but it’s not unbeatable. Salute to you

The problem isn’t credit cards. It’s the lack of education around them. We throw people into the adult world with zero prep and then act surprised when they drown in debt. Schools should teach interest compounding more than parallelograms.

Honestly sometimes paying is worth it. Not everyone has time to dig through reports and draft letters. My partner had 3 listings fixed via Credit Fix Solutions and it took a weight off our shoulders. We paid $1,400 but we also got approved for a mortgage.

I had a pretty decent run with Seminole. They were upfront that some things can’t be removed unless they’re inaccurate. That alone won my respect. Too many companies promise magic. They worked on my old utility bill and two charge-offs. One got deleted, the other updated to paid as agreed. Score...

I started at 20 and was scared to talk to people too. Still kinda am...what helped was joining my local Chamber of Commerce even though it was awkward at first. You might feel out of place, but people admire young hustlers. I’ve landed 3 long-term clients from it so far. Worth checking out if...

TikTok hands down. I just explain one credit fact per video and slap trending music on it. Some of my vids hit 100k views. Free exposure and DMs from people needing help.

Studies show people spend more with credit than debit. There’s a psychological effect swiping credit feels less real. That’s why I go with debit 90% of the time.