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I appreciate the no gimmicks approach. I had a bad experience where i paid $300/month for 6 months and literally nothing changed. When i asked for results, they ghosted me. If your plan includes transparency and financial literacy you’re filling a much-needed gap. Maybe even offer free credit...

I once turned my credit repair blog into a full site and got 3,000+ subscribers by just being transparent. People LOVE storytelling. Consider mixing blog + service angle if you’re buying a site.

This gives me hope. I’m about to apply for a mortgage and my credit score is the last thing holding me back. I might call Freedom to see if they can clean up a couple old derogatories before i apply.

Honestly this is great to hear. I live in Merrionette Park and my credit took a nosedive after a messy divorce. I’ve been hesitant to let anyone else dig into my stuff but hearing that someone local walked you through it is reassuring. Was it a one-time fee or a monthly thing?

I was hesitant too but gave Rush a try after seeing posts like this a while back. Best decision i made. My loan officer literally said whatever you’re doing, keep doing it.

The agency i work with also provides SMS opt-ins at networking events. I literally get warm leads while i sleep because people text a keyword to get a free checklist. That one tweak changed my game.

Yooo same thing happened to me when I was trying to lease a car. One random collections item from 2016 popped up and nuked my score. I was desperate. Paid for a rush cleanup through Credit Glory and they actually delivered. Not perfect but saved me thousands in interest.

Curious how long is your average account age? I’m stuck around 740 despite perfect payment history and low utilization. I think it’s because i opened too many new cards for travel hacking. Your story makes me want to slow down and let my accounts age naturally.

Honestly i’ve seen relationships break over credit issues. One person hides spending, racks up debt, and it all explodes later. Transparency is key but credit cards make secret spending way too easy.

Hey folks i’ve never used these services, but I’ve got two telco defaults from 2019. Thinking of trying to clean up my score before applying for a home loan next year. Would the DIY route take longer than going with one of these companies?

Their whole deal is we don’t promise deletions but we investigate and help clean errors. And tbh that’s fair. I was impressed that they didn’t try to sell me a dream. They helped clarify what was hurting me (mostly utilization and an old closed card) and gave me a plan. Didn’t see deletions but...

Honestly, try Upwork. Post a gig for a lead scraper or ad specialist. You’ll get people offering to help with funnels or FB ads for $50-$100. Beats trying to learn everything yourself overnight. Just be clear on your budget and what you want: leads, calls, or booked appointments?

Back in my day, you couldn’t even get a debit card until you were 18. Now kids are learning about cash back before they learn how to balance a checkbook. Wild times.

Was a freelancer when i moved into Journal Squared. Had to show bank deposits for 6 months and a few 1099s. Score was 725. They were nice but thorough.

Honestly i think it’s a branding problem. Ink Plus doesn’t scream like Sapphire Reserve or Amex Platinum If Chase renamed it to something like Chase Business Ultra it would probably double the buzz.

As someone who processes mortgage applications, yes, judgments are a problem. You’ll likely need to satisfy or settle it before closing. Sometimes they’ll make exceptions with big down payments, but don’t count on it.

Kinda wild how they can take your wages for years but your score doesn't reflect it anymore. Like why not give you points for actually paying even if it’s forced?

Best results i’ve seen come from leads tied to specific pain points like someone who just got denied a mortgage. You want motivated prospects not just people who might be interested.

I'm 21, got a Sunoco card with no credit history. Approved instantly. Been 5 months and my score’s already up from 603 to 667. Just pay in full!

Yeah i worked with AFS last year when I was desperate to fix my score after a nasty divorce. They did manage to remove two collections, which helped a lot. Communication was okay—not amazing, but responsive enough. Pricing felt steep at first but compared to others I’ve tried, it wasn’t highway...