Search results

  1. E

    What Exactly Does a Credit Specialist Do?

    to clarify: credit specialist ≠ credit counselor they may not be licensed depending on the state most disputes rely on FCRA and FDCPA no one can remove accurate info. if they promise that, run
  2. E

    My Experience with a 60-Day Credit Repair Program

    I feel like these programs prey on people’s desperation. but if you go in informed, they can be useful tools.
  3. E

    Voluntary vs Involuntary Repossession

    I filed for bankruptcy at 24 after my car loan went belly-up. Credit bounced back by 29. It sucks but there’s life on the other side.
  4. E

    Credit Repair Company New Jersey

    I used Ovation and canceled after 2 months. They sent dispute letters I already sent myself.........waste of $$$
  5. E

    Fast Credit Repair

    Seconding annualcreditreport. Also check LexisNexis and ChexSystems while you’re at it.......some lenders use those too.
  6. E

    Does PayPal Credit Report to Credit Bureaus?

    honestly this is why i only use 2 cards. Too many ways to mess up your score without realizing.
  7. E

    What’s an Advantage of a Debit Card Compared to a Credit Card? (APEX)

    I use my credit card for everything but i totally get the appeal of debit. It’s like the financial version of a safety harness.
  8. E

    Credit Repair Services Chicago

    If it’s just late payments, maybe try goodwill adjustment letters directly to the lenders? Especially if your family member has been good since. I got two removed that way!
  9. E

    Is Paypal Credit Good for Credit Score

    PayPal Credit is a revolving line, so it does impact your credit utilization. If you put $1k on a $1k limit, that’s 100% utilization. FICO hates that.
  10. E

    Any good experiences with Chicago credit repair?

    I worked with a CPA in the suburbs who did financial coaching + credit repair Pricier but very comprehensive
  11. E

    Enhanced Recovery Company on My Credit Report

    I got them to delete after paying 50%. You just have to be very firm and get that in writing first. They’ll deny they agreed otherwise
  12. E

    Anyone Worked with Reliant Credit Repair?

    Actually used Reliant! Started with a 580 now I’m at 695 after 6 months. They removed two collections and an old Verizon account i couldn’t get rid of myself. Not perfect but they helped.
  13. E

    How does PayPal Credit affect your credit score?

    When i closed mine my score dipped about 10 points. But i’d already paid it down and didn’t need it. Rebounded in a couple months
  14. E

    Paypal credit report to credit bureaus

    Wait how did a charge even go through if you haven’t used the card in years? Was it a recurring thing?
  15. E

    Credit Repair Careers - Any Experience?

    Credit sweeps often involve filing false identity theft claims
  16. E

    Credit Repair Business Cards – Any Tips or Ideas?

    I put testimonials on the back in small print. Like 2-3 short quotes. It’s subtle but adds some social proof.
  17. E

    Credit Cards for the Self-Employed?

    Sole prop works. Just list your legal name and use your SSN. They might ask for your EIN if you have one, but it’s not required.
  18. E

    Looking for Legit Credit Repair Services in Tampa, FL

    Used Sky Blue Credit remotely while living in Tampa. They were honest about what they could and couldn’t do.
  19. E

    Got a Letter from Wells Fargo About Identity Theft Protection — Anyone Else?

    The Experian plan is usually $9.99/month. It’s a decent deal if you don’t already have identity monitoring. I signed up and canceled after 12 months.
  20. E

    Credit Repair Help in Louisville, KY?

    Can confirm Clean Slate was solid. Not the cheapest but they were upfront
Back
Top