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Not everyone needs a credit repair service. Most of what they do, you can do yourself. Learn the dispute process. Understand the FICO model. Check out r/personalfinance’s wiki...it’s gold. You wouldn’t pay someone $1,000 to press a few buttons on your phone so don’t pay them to send dispute...

Not sure about lawyers, but look into nonprofit credit counseling services too. Some of them offer dispute help or partner with legal aid clinics. Less hype more help. Just don’t expect your score to jump in 30 days. This is a slow climb.

I actually run a small credit coaching biz here in Aurora. Not trying to advertise, just adding: always ask for a consultation call first. If they pressure you right off the bat or won’t explain what they do…run. A proper analysis should be free or cheap. That’s standard.

Ah yes, pre-approval the catfish of finance. Looks nice, seems harmless, and then bam, you’re ghosted by your credit score. You’ll recover mate. But next time, go to a broker instead they can run actual soft checks and pull rates without nuking your file

I used them for 4 months and saw zero change. Nada. Zilch. Then they told me I had to wait longer or upgrade my plan. Yeah no thanks. Felt like a gym membership I couldn’t cancel. You can legit just write your own dispute letters. The info is all online. Save your money.

You might want to add a tiered pricing model: basic dispute support, premium with credit coaching, and elite with budgeting/accountability calls. This way, clients can pick what fits their budget. Bonus tip: include a cancellation guarantee. Builds massive trust and most people won’t even use it...

Are you planning to offer credit repair yourself or white-label someone else’s service? Curious because i’m thinking about starting too but don’t want to dive into legal red tape.

That’s the thing. I was overwhelmed and didn’t even know where to begin. Freedom broke it down into manageable steps. I did the budgeting, they did the disputes. It worked well.

Yoooo I did the exact same thing and worked with a guy off Pulaski. He cleaned up my report in like 6 months. Got rid of two medical collections and a bogus utility bill. My FICO went from 532 to 677. Definitely believe in the power of local help.

They probably use automated software tied to Metro2 format disputes. That’s the newer more effective way of challenging credit report entries. If Rush is using that it explains the speed and success.

Did anyone here try agencies that charge per booked appointment instead of per lead? I’ve been thinking about switching models. Tired of calling people who say i never signed up for this.

I’m just here to say THANK YOU for posting this. So many people gatekeep their credit comeback stories. Like we all mess up sometimes, especially in our 20s. Your post made me feel a little less dumb for not catching those errors sooner.

I’ve been sitting at 792 for months and it’s driving me nuts. You give me hope.......was it a certain credit line increase or just time + income boost that did the trick? Either way hats off to you! Might go check my Experian again right now out of pure jealousy.

Bro have you seen how some banks calculate interest? Daily compounding on balances you didn’t even spend that day. You pay off half and somehow the interest grows?! Feels like legal theft sometimes.

DIY can take longer, yes but it's also free and puts you in control. Defaults stay on file for 5 years unless you can prove an error or make an arrangement with the creditor. Start by checking your credit report from all three agencies (Equifax, Experian, and illion). Then send a correction...

Just wanna say before you pay anyone, check what you can do on your own. Credit Karma has dispute options and there’s tons of info here. Seminole might be helpful if you're overwhelmed, but their $99/month can add up real fast. I tried them for one month. Not bad.....not amazing. Wouldn’t commit...

You’re doing better than 90% of folks who say they’ll start a business. For leads, I’d say test both organic and paid. $100 into FB ads, $100 into IG promos, and keep $300 for emergencies. Document your journey on TikTok. You’ll gain trust fast.

I built a funnel around get a mortgage ready score in 90 days. Targeted first-time home buyers. Realtors love it, clients are motivated and it gave my offer a focus.

I just turned 21, opened my first credit card last month. Kinda nervous tbh. Using it for Spotify and gas only. Trying to build credit without going broke.

Be careful with cosigners though. If they mess up or if u miss payments, you both go down. Better to build on your own if you can. Slow and steady wins this race.