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I asked for a replacement over chat and got it in 5 days. The rep didn’t even ask why. I just said i want the contactless version and she said okay, boom. Super easy.

Yooo i’m using Rapido right now. They got two charge-offs removed in 6 weeks. I was honestly shocked. Communication was solid and they gave me weekly updates. No shady vibes so far but i’ll keep you posted.

Respect for sharing this. People love to dunk on folks who use credit repair services but not everyone has time to dispute stuff manually. Life gets busy. Not everyone’s a financial expert.

I used to think credit was a scam like who even decided 30% utilization is the sweet spot? But now that I want a mortgage… yeah i’m playing the game. Got a Discover IT Secured and just pay it off weekly. Score is crawling up.

Currently at 848 and it’s honestly kind of a joke now. I use like 1% of my limit, pay off in full and have cards older than my marriage. It becomes autopilot after a while.

I think results vary depending on your report. If most of your issues are legit like actual missed payments then Brightside or anyone else won’t help much. But if there’s sketchy reporting errors? Yeah they can probably help there.

I literally got laughed at by a CSR when i asked if the card supported fluctuating income patterns. Wild times. But yeah i landed on the Wells Fargo Business Platinum. It’s not flashy but stable.

I used PLR to train my virtual assistant. Gave her a bundle and said, “Learn the lingo then write in our tone.” Worked better than just giving her blank Google Docs. So it has its use outside publishing too.

Did the lender tell you which bureau flagged you as deceased? You could pull all three reports and look for any deceased notations. Might be worth doing that first to isolate the issue.

Disputing sounds cool until you realize you need proof. If you can’t back it up don’t bother. The bureaus aren’t playing anymore. Had one claim bounce back in 24 hours like verified lol. Was a humbling experience.

I’d be careful with any place that promises the world. No one can guarantee”deletions unless it’s illegal. Read the contract. Most charge monthly so they benefit from dragging it out. I say go in with clear goals and a timeline u set.

Honestly neither are miracle workers. Your credit will only improve if the negative stuff is inaccurate or outdated. But Sky Blue helped me clean up a few old accounts and coached me on rebuilding. Worth the $79/mo IMO.

Reminds me of that old CPN scam wave. People trying to start new credit profiles like it’s GTA or something.....that’s illegal. Don’t do federal time over a Best Buy card.

Your name should evoke emotion. What are your clients feeling? Hope? Shame? Stress? Relief? Names like ClearBridge Credit or Horizon Financial Rebuild hit those notes. Think deeper than just the service you provide.

They helped me get from a 590 to a 680 in about 7 months, so i can’t complain. But i will say that u need to stay involved. If you’re hands-off, you’ll be in the dark. Ask questions. Push for updates. Don’t just sit and wait.

If you’re planning to settle do not make a payment until they send an agreement in writing. No verbal confirmation”crap. Some collectors play dirty, though i didn’t find them to be super aggressive.

credit scores are trash at showing instant results. I’d focus on the long game cleaning your report helps you with manual reviews and mortgage apps even if FICO doesn’t flinch right away.

Create a basic website. Even a free Wix page makes you look more real. Add testimonials with permission from your friends. Presentation goes a long way.

Look into Garden State Consumer Credit Counseling. They're based in Freehold and helped my cousin get back on track after a bankruptcy. I think they operate as a nonprofit too so fees are minimal.

I get the temptation trust me. These maintenance fees are a scam. But my niece ignored hers for a year and her credit tanked. She had to get a co-signer for a car after that. Proceed with caution.