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I graduated from an MLT program three years ago and remember those clinical weeks being brutal. I was on SNAP, did temp phlebotomy jobs in between and managed to keep my score steady just by making sure my one card was paid on time. You’re honestly ahead of where i was.

Actually i joined a credit repair franchise and it helped a lot with processes and client acquisition. Not all franchises are bad some legit ones provide training, software, and legal coverage. Just research them well!

I recommend asking for a written breakdown of fees + services. I remember a buddy saying they had a monthly fee and a per-deletion cost, which can add up fast if you’re not tracking it.

Credit repair takes patience. No one is going to fix it in 30 days like the ads say. I’ve been at it for 14 months and went from 520 to 680. Mix of DIY, coaching from a church group, and one paid service.

Totally agree. I worked at one of those credit repair places briefly. It was mostly sending template letters and praying. You’re better off handling it yourself unless you're completely lost on where to start.

Be careful with store cards. They seem like a good way to build credit but can mess you up with high interest and low limits. Stick with one good card until you’ve got 12 months of good history.

Credit specialists also deal with internal politics. One team wants more sales, another says tighten credit. You’re the one caught in the middle trying to keep everyone happy while staying objective.

Why does no one ever talk about how long this crap actually takes? Everyone says fix your credit fast but no one explains that fast still means 6–12 months minimum if you’re doing it right

I used a debt settlement service a while back wasn’t Crystal Lake–based and they wrecked my credit harder than before. I had to rebuild from 400s again. Don’t confuse debt help with actual credit help.

This feels like the digital version of the “i bought an iPhone box from eBay and got a potato” story. Don’t trust glossy reviews alone.

I started with CreditMRI and then canceled after reading the contract more closely. Their no payment upfront is technically true but they hit you with multiple charges later. Not quite as free as they imply.

They provided some basic onboarding on credit bureaus and dispute types but honestly most of what i learned was trial by fire. Support is there,but it’s minimal. If you’re a self starter you’ll be fine.

It depends on your credit profile. If you have 10+ cards.. one less won’t matter. But if this is one of only two or three it could make a noticeable dent.

Can anyone confirm if Apple Pay or Google Pay with the old cards still work fine? i usually just use my phone, but it’d be cool to tap with the card too.

I didn’t get results with Rapido but i also had a pretty messy report. Multiple charge-offs, collections, and an old repo. They tried but maybe my case was too far gone.

Not gonna lie i was a little annoyed they couldn’t get a couple of my charge-offs removed. But they did warn me that not everything can go. Transparency is rare in this industry so props to them for that.

NerdWallet has a really good beginner’s guide on this. Helped me understand utilization, average age of accounts and why opening too many cards fast is bad. Education is half the battle.

This thread is giving me life. So many responsible people out here with 800+ while I’m over here celebrating hitting 720 like i just won the lottery Still progress is progress!

They did nothing for me except take $400 and send generic dispute letters i could’ve found on Google. I’m not even salty just disappointed. I ended up hiring a local credit counselor who actually walked me through rebuilding my score manually. Buyer beware.

If travel is even a small part of your expenses, check out the Capital One Venture. It’s a personal card but great rewards, and they didn't blink when i used a 1099 for proof of income.