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If your goal is a mortgage, some lenders prefer you do not have active disputes on your report when you apply. That is another thing to keep in mind if you are thinking about doing this in the next 6–12 months.

People sleeping on Self. It’s a legit builder loan. You make payments, get the money back, and it reports positively. Added rent reporting with Boom too. Total cost was under $100 for the year and my score is up 60+ points.

Be careful with credit repair companies, especially the ones with super slick websites and vague promises. A lot of them use scare tactics and then just dispute everything blindly. You can do the same disputes yourself via mail or online, and for free. Unless you’re really overwhelmed, save your...

I wish they’d at least put something about PSLF in the comments field. Like Eligible for PSLF, currently on track. Would help explain the massive balance and tiny payment.

Honestly, it’s criminal how they operate. It's like legalized predatory lending. And they know people won’t read the fine print because they’re in crisis. Makes me so mad. Glad you’ve made it this far though.

Dang, 24%? That’s like loan shark territory. No shame though, Lubbock banks don’t play nice. I used Bluewater Credit—they’re not local but do national work. They weren’t cheap, but they got a judgment removed that was dragging my score into the dumpster. Still salty about paying for help, but...

Honestly I’d switch to Discover. Every time I’ve had an issue, they handle it fast and actually side with the customer. Plus, their fraud team doesn’t seem like it was trained by pigeons.

I found their number via an old email. They don’t advertise the existing client line very clearly. I think it was 0141 565 1300? Might be Scotland-based, but it worked for me when the 0808 one didn’t.

Online applications typically pull your info from the credit bureaus using your SSN, DOB, and address. If those match, you're good to go. However, if your younger relative has no credit history, they might hit a wall. Some banks might request extra documentation like a passport or school ID...

I’d also check out Reddit’s r/personalfinance flowchart. It literally saved my life. Helped me go from paycheck-to-paycheck to having a 720 and $15k in savings. Credit is part of the puzzle, but habits are the real secret sauce.

I challenged an old default from Three Mobile that I knew wasn’t mine. Did it myself through Experian and got it removed in 5 weeks. No company needed. You just need to know the process. Forums like MSE helped loads.

Still working with them currently. It’s been 3 months and I’ve had 2 negative items removed so far, which is honestly more than I expected. The rep assigned to me is pretty communicative. Pricey? Yeah. Worth it? Maybe. Still deciding. I’ll update if things get better or worse.

I tried leasing with a 630 and got a list of conditions from the dealer that looked like I was applying for a CIA job. Needed multiple pay stubs, references, even proof of residency for 2 years. Not impossible, but prepare for paperwork overkill.

Not sure if they do credit repair directly, but The Resurrection Project offers financial counseling in Pilsen. They might be able to help or at least point you toward ethical services in the area.

Totally did this last year! The digital kit I got came with 30+ letter templates, credit bureau addresses, and timelines. Super helpful. Fixed 4 negative items and raised my score 70 points in 6 months. Worth every penny.

Sweetheart, you sound lovely but don’t let guilt make your financial decisions. Your mortgage is your future. If your friend truly respects you, they’ll understand if you have to say no.

Did you check your spam folder for the confirmation email? Mine ended up there. Also worth checking your billing page to see if a next billing date is listed...... if it’s blank, you’re probably good.

Been in your shoes. Helped my sister by taking out a personal loan in my name. It worked, but we agreed on a repayment plan. Honestly, if your brother flakes, YOU are the one stuck. Make sure you’re 100% sure you’re cool with that possibility.

Been 3 years since my repo, and I'm STILL driving the beater I bought off Craigslist. But hey, it's paid for, and I’m stacking savings to put a real down payment next time. Patience > predatory loans.

Not sure if it's been mentioned, but if you’re using something like EBT AND getting a small check from work, it helps to show consistent income when applying for credit. Doesn’t have to be bigju....st steady.