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We tried Pinnacle Credit Help in downtown Glendale. Mixed results. They were polite and professional, but not super responsive after we signed up. It felt like we had to chase them to get updates, not the other way around. Eventually got 2 accounts removed but it took 7 months.

Been down this road. I tried two online services and one local guy in Tinley.....Dan the Credit Man or something like that. Only the local guy gave me one-on-one time. He sat with me, explained how credit scoring really works, and gave me a plan. No lies, just strategy. In 8 months my score went...

I’d be cautious. I know a girl who started this and got reported to the BBB for false promises. One angry client can tank your whole thing if you’re not careful. Be honest about timelines and outcomes. Credit repair isn’t magic. It’s documentation and persistence. If you market it that way...

Has anyone tried Boost My Credit Now? They’ve got a location off San Mateo. I keep seeing them pop up in local Google searches but not sure if they’re legit. Reviews are mixed. Would love to hear if anyone actually got results.

My niece used this dude named Anthony out in Cranston, I think he runs a small firm called Credit Revive RI. Super small operation but crazy results. He helped remove two old medical collections and a weird cable bill that wasn’t even hers. Dude’s a bulldog with Equifax apparently. Worth a shot...

Man i remember the anxiety of unlocking my reports and waiting for the verdict. It’s like handing over your report card to a teacher. Props to you for taking action though. That’s the hardest part. You’ll get there.

I feel that. I’ve used one ONCE during grad school when rent and tuition collided horribly. I paid it back on time and avoided fees. But it was incredibly stressful and i still regret it. The temptation to roll it over is real when money’s tight. I wouldn’t risk it again even in emergencies.

Highly recommend making a spreadsheet and going through your reports line by line yourself first. Then, if you’re still stuck hire a detailer. That way,u know what you don’t know and you’re less likely to get scammed.

I'm always wary of sites that look professional but lack transparency. No BBB page, few Reddit mentions, and barely any Google reviews? Nah. That screams rebrand every 12 months and vanish. Credit repair is a wild west. Protect your wallet, friend.

Just know that credit repair = patience. Whether you pay someone or DIY nothing works overnight. If you see anyone advertising deletes in 24 hours, it’s probably BS. My journey took 18 months. Worth it but i had to stay on top of it constantly.

Lemme just say this credit affects so much in life that it’s nice to find a thing it doesn’t touch. Selling a house is one of those rare times. You could have a 300 score and still hand over the keys. All that matters is the mortgage gets paid and the title is clean. Just be upfront with your...

Employers can check your credit but they usually have to ask for permission first. If you haven’t signed anything authorizing it, they’re not doing it. And even if they do they don’t see your score just the report. So one or two dings won’t necessarily tank your chances unless it’s a major red...

Would you be willing to share anonymized P&L statements or monthly recurring revenue metrics? I get that it’s a casual post, but serious buyers will want at least high-level financials before moving forward.

Honestly you don’t need to pay someone to send letters. Dispute through Experian, TransUnion, and Equifax directly. It’s not glamorous but it works. Save your money unless you're just super busy or really overwhelmed. That said i’ve seen some decent reviews of RGV.

Not in Vegas, but I did everything through Self and Experian Boost. Paid down some cards, added a few positive tradelines, and my score jumped 110 points in 8 months. No shady repair services. If your relative’s stuff is old and already paid off, sometimes all it takes is time and a few disputes...

Honestly how many of y’all ACTUALLY saw results with those apps that promise score boosts? I tried Kikoff, Self, and Credit Strong. Felt like a scam carousel. Maybe I’m too impatient but didn’t see much movement. Just endless $10 charges.

If you’re looking for aggressive + legal, check out firms that file under FCRA/FCPDA violations. That’s where the leverage is. If they find something off...like wrong dates, no proper notification, or misreporting.they can push hard and even threaten civil action. It gets attention.

If your friend’s got collections make sure whoever you hire helps strategize which ones to settle, which to dispute, and what to leave alone. A good credit pro should guide that not just send blind disputes and hope for the best. Also local doesn’t always mean better. Some nationwide services...

I get the pain. Sydney property’s already brutal without your credit turning on you. The system’s flawed how is a young high-income guy with no debt considered risky? You’ll be fine. Just keep everything super stable for the next 6–12 months and the score will climb back up.

Used ACR for my wife and myself. Mixed results. My wife had 3 medical collections removed, but I had one old utility bill that wouldn’t budge. Score jumped 60 points for her, mine only went up like 10. So hit or miss. Customer service was good though. Not pushy and they explained stuff clearly.