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Anyone here tried Omega Credit Repair in Jax? Heard mixed reviews but wondering if someone’s actually used them recently. Saw an Instagram ad and it looked semi-legit.

Watch out! Some of these services just blast the same dispute letters to the bureaus. That worked for me… until the deleted stuff came back 6 months later

Credit repair companies remind me of diet pills. Some people swear by them, others say it’s a scam and the truth is probably somewhere in between. Depends on your expectations and how bad your credit is to begin with.

I liked the credit education module. Taught me about utilization and how to negotiate with creditors. Didn’t love that i had to keep paying while waiting for stuff to be disputed. Felt like a slow drip.

My buddy used Credit Cadabra before applying for a mortgage. They helped clean up two errors and disputed a charge-off that eventually got removed. The 14–30 day claim? Kinda true in his case but i wouldn't bet on it working for everyone. YMMV big time with these kinds of services.

Tbh if their credit is bad but they’ve never missed rent or gotten evicted, I’d personally be fine with it. Credit doesn’t tell the full story. Maybe they had medical debt or lost a job. I'd ask why their credit is bad before making assumptions.

Look at data: 80% of credit reports have errors. If your fam member’s collections are old and possibly inaccurate, disputing with validation letters could be worth it. Also Alabama law gives you some leverage......check out the Alabama Consumer Credit Act.

Include business credit stuff if you’re dealing with entrepreneurs. Like, EIN setup, Paydex score, net-30 accounts. Most folks don’t even know they’ve got a personal guarantee tied to their business cards. That’s a landmine.

vIf you have medical debt or old collections, they can help. But student loans and new lates? Don’t expect miracles. I learned that the hard way.

Please, please get familiar with CROA inside and out. I used to work at a firm that got hit with a cease and desist for violating CROA just by not giving the right disclosures. They don't play around.

Layaway felt like a commitment to saving, while credit was a gamble on future income. I’ve used both. Layaway taught me patience. Credit taught me pain.

I’m in the same boat prepping for a car loan and used Credit Saint. Pricey, yeah but they actually got 5 things deleted in 60 days. Feels like cheating but legal. Just make sure to cancel once you’re satisfied those monthly fees creep up quick.

Just don’t let them dispute everything or you’ll tank your history.

fixing your credit is like losing weight. You can pay for a trainer (credit repair), but if you don’t change habits, it won’t stick. I tried a repair service while still maxing out cards. Waste of money. Focus on debt repayment, on-time payments, and keeping utilization low. The real fix is...

Because banks are in it for the least amount of risk. You might be fine with switching responsibility, but the bank didn’t sign a contract with them. It’s about minimizing defaults. Makes sense from their side, even if it sucks for people like us.

My buddy co-signed a phone plan in college and the other guy bailed. Boom $900 debt and a 550 score before graduation. NEVER co-sign anything, even for your BFF. Protect your credit like it’s your GPA.

If you’ve got a few people in mind, pick the one who’s financially stable and has shown support in the past. Then approach it like you’re pitching a business idea: clear goal, repayment plan, timeline. It helps them take you seriously and not feel like you’re begging.

keep individual card utilization under 30%, but under 10% is better. One of my cards was 80% and killing me. I spread the debt across two cards and it magically helped.

Honestly just be supportive of your family member. Whether they go DIY or hire help, the emotional toll of bad credit is real. My sister cried when she finally got approved for her car loan. Stuff like this affects your confidence big time. Props to you for helping them look into it.

under the Credit Repair Organizations Act (CROA) you legally cannot charge for services until after they’ve been performed. That means no upfront fees at all not even for file setup. Also, you must give clients a copy of their rights under CROA and a written contract they can cancel within 3...