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Lowkey PLR content is how i avoided burnout in my first year. Was trying to blog twice a week and run disputes at the same time. If you’re overwhelmed, PLR buys you time.

Happened to a guy we were onboarding. Background check failed due to deceased status. It was a pain but his lawyer got involved and it cleared up within 3 weeks. Just don’t give up.

If you're getting collection calls don’t ignore them. Request debt validation in writing. Some of mine couldn’t even prove i owed them so they dropped it. Don’t pay unless they can show solid proof.

I needed a fresh start after divorce and went to Restore Financial Group. They were kind, patient, and helped me understand my rights. They got 3 negative items deleted and coached me on building new credit. Took about 6 months total.

Sky Blue was a godsend when i needed to clean up before buying my house. Simple pricing, good advice and i saw results in about 2 months. They paused my account when i hit a financial snag without canceling.....huge respect.

It's almost always temp success followed by long-term pain. And when the bureaus catch on you can get locked out of your own report for weeks. Happened to me.

Consider geographic tags if you plan to be local ......Twin Cities Credit Repair, BayView Financial Restoration, etc. Helps with local SEO and Google My Business rankings.

Avoid them. I’m not trying to be a hater but they basically charged me $120/month for emailing the bureaus stuff i could’ve done myself with templates from Reddit. Felt like i paid for hand-holding and not much else.

Honestly felt like crap seeing a collection. I’ve worked hard on my credit and seeing their name was a gut punch. But dealing with them wasn’t terrible. One call, one payment, done.

Might be worth checking if your other accounts are reporting high utilization. That can totally offset the gain from removing a negative. Credit is like playing chess blindfolded.

To stay compliant in Texas you’ll need to follow the Texas Finance Code Chapter 393. That means a contract, disclosures, no upfront fees unless you're a lawyer and that surety bond others mentioned. It’s not just about being good at fixing credit....it’s about doing it legally.

FYI if you’re thinking about credit repair, learn about the Credit Repair Organizations Act (CROA). It limits what companies can promise and requires contracts. Most people skip this but it’s useful stuff.

I used FreeTaxUSA this year and was surprised how smooth it was. No upsells, clean interface, and it only cost me $15 to file state. The guided steps were clear and they explain stuff in simple terms.

Not a designer but don’t underestimate the power of white space. Your logo doesn’t need 3 symbols and a tagline jammed into it. Less is more.

I know someone who got sued under CROA for not having their disclosures exactly as required. Get a legal template reviewed before onboarding clients.

I do credit AND tarot readings. Because sometimes Mercury Retrograde really IS the reason for the repo.

YES Cosigner is your golden ticket. I did the same thing a few years ago and it worked out fine! Just be sure to keep up with the payments to avoid ruining both of your credit scores.

I just want to update my card info and not get charged a late fee for their tech issues. Is that too much to ask?

Closing installment debt doesn’t always help short term but the long-term profile looks better for manual underwriting.

For renting, landlords care less about your score and more about your job contract, references, and whether you look like someone who won’t throw raves on Tuesdays. Some even ask for 6 months rent upfront