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I’m just a guy who flips sneakers on StockX and got approved with no issues. I just listed my SSN and said sole proprietorship If you think you can’t get this card, think again.

Think of your credit report like a resume. That judgment is a big ol' employment gap. Garnishment is like saying you took time off to find yourself. Mortgage lenders side eye both.

Nope the garnishment itself doesn’t show up as a separate ding. The damage came from the collections/judgment. If you’re keeping everything else clean you’re rebuilding even while they take your check.

Tried buying warm leads from a freelancer on Fiverr. Big mistake. Got 50 leads for $20 and maybe 3 were real people. lesson is if it seems too good to be true…

Gas cards make sense if you're new or rebuilding credit. Just don’t let it tempt you into buying snacks and drinks at the convenience store every time

Totally agree. I did all my own disputes with the help of Reddit and YouTube. If you’re patient and willing to learn, you don’t need to pay anyone.

I don’t hate it. Anything that pushes the bureaus to recognize alternative financial responsibility is a win. But there’s gotta be clear opt-outs and corrections processes.

You know what’s harder than 850? Staying there. The score is volatile. A soft pull, a balance report, or even closing an old card can cause fluctuations.

Been there, burned by the delete your bankruptcies in 30 days crowd. I’ve heard of CRB but never tried them. Honestly DIY with Credit Karma and dispute letters worked better for me. Cheaper too.

It depends on which financing route you chose. PayPal Credit and Pay Monthly via Synchrony Bank do report. Pay in 4 does not. It’s technically not credit it’s considered a short-term installment plan If you’re trying to build credit, make sure it’s a reporting type.

I had 2 cards in collections. Paid one in full, settled the other for less, and both reported as paid. Not ideal but better than unpaid. My score started creeping up after that. It’s never too late to start seriously.

For me, it was about keeping usage in check. I stayed in the garden for 8 months, used AZEO, and paid off a loan. Went from 645 to 720. So yeah it works.

Lmao they offered me a card in college like I was some baller. I had $48 in my bank account and a microwave ramen addiction

Before you pay anyone, sign up for Experian Boost and Self. Those gave me more lift in 2 months than a company I paid $400 to. Some of this stuff you can DIY with the right apps.

I gave It’s Time a shot after CreditRepair.com ghosted me mid-dispute. Honestly they’re more human. Real people answered my emails and i didn’t feel like i was just in a queue. Plus they explained everything in plain English.

Credit repair companies in general are a gamble. Credit Fixxr isn't the worst I’ve heard of, but they’re not miracle workers. You still have to make on-time payments and be financially responsible. They're not a reset button.

I actually emailed the court clerk. She sent a short statement confirming it was dismissed and never went through. Included that in my Equifax dispute. They removed it within two weeks.

My partner used them to try to get her student loan lates removed. No dice....It wasn’t Veracity’s fault federal loans are tough to touch. But i wish they explained that before charging us for 3 months.

I kind of agree, but not everyone knows how to draft proper disputes or has time to chase creditors. Sometimes it’s worth paying for the help just depends on the level of service you're getting.

Y’all has anyone tried reaching them through their LinkedIn reps? I got more traction messaging a guy named David on LinkedIn than i did through their help desk.