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Check if your city requires a home occupancy permit too. My county randomly sent me a compliance check because my biz address was my apartment

Once paid a guy in cash and he vanished. Turns out he just downloaded templates from Reddit lesson learned.

I’ve been there...bad credit, hoping to get a decent car deal. The cosigner definitely helps, but keep in mind they’re on the hook if you miss payments so it’s a big responsibility. Do your research to make sure you can handle the payments so it doesn’t end up affecting both your credit and your...

Is this the same Credit Unlimited that used to advertise on Instagram a lot? I think i saw something about them rebranding.

Sold my house during divorce. Used the cash to get current on everything. Score climbed slowly maybe 40 points over 3 months. Felt like a fresh start.

Totally feel you. i moved to Athens from London and was so confused. Like, where’s my credit report? Oh wait, there isn’t one

I tried Lexington Law. They ghosted me after 3 months. Joined a Reddit group, fixed more in a week than they did in 90 days. Never going back to those clowns.

I worked for Lexington Law for a bit. It was remote, structured, and you learned a ton about how people’s credit actually works. But the pay wasn’t great tbh.

For real though, why is this not more transparent? My Experian app said credit utilization looks good”and then dinged me because of high balance on recent account. Like pick a struggle?

I remember being terrified filling one of these out. Anything you can do to make the tone reassuring is worth it.

I work at a dealership...we rarely approve sub-550 for leases unless they drop like $3k upfront.....not impossible but tough.

I actually found a great mentor in credit repair who taught me how to legally dispute, negotiate pay-for-delete, and coach people. Changed my life. Don’t lump all of us in with the scammers.

Weirdly enough my garnishment motivated me to get my act together. Started budgeting, tracking expenses, whole Dave Ramsey starter pack.

I still don’t get why i need a government certification to help someone send a dispute letter.........feels like overkill.

Their customer service told me i had to wait 90 days for updates. My disputes magically processed within 3 weeks when i did it myself.

I don’t buy that it helps your credit long term. Revolving debt is revolving debt. You’re just playing the utilization game.

Synchrony is notorious for sudden credit line reductions. Happened to me with PayPal Credit and my Old Navy card......be cautious.

Yup! my cousin used them after a nasty divorce tanked her score. They weren’t miracle workers but got her score from 540 to 650 in six months.

This thread is the most helpful thing i’ve read since I learned what utilization was.....

Yeah, but what about fraud protection? Credit cards usually win there. With debit, you’re waiting for your actual money to be refunded. That sucks.