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I’m gonna be the cynic here. 609 letters rarely get results unless the data furnisher is already sloppy. If they’ve verified it twice they probably have some record. But still worth pursuing if you're sure it’s fake.

Honestly these companies know exactly what they’re doing trap people with free stays, then lock them into contracts that are impossible to break. It’s predatory. And then they report delinquencies like it’s your fault.

I used them as a last resort before bankruptcy. Helped stall some stuff but didn't save me in the end. Might work better if you’re just cleaning up past due accounts.

Anyone here used Safeport Law? I see them all over Charleston IG ads lately. Curious if they’re just good at marketing or actually get results?

I had a decent experience with Tulare Credit Solutions. They were a small team but didn’t sugarcoat anything. No gimmicks just slow-and-steady progress. Cost me $400 total over several months.

It might not fix everything overnight but if you’ve got legitimate inaccuracies, start by pulling your credit report and sending direct disputes to the bureaus. That’s free and often faster than people think.

I was terrified of taking food stamps too....thought it’d be a scarlet letter on my finances. It’s not. No one but you and the welfare office knows unless you tell them. It’s confidential, non-credit reportable and temporary. You’re smart for using it now.

As a Florida attorney i’d say you MUST check FS 817.7001. It governs credit service organizations. You’ll need a $10,000 surety bond, a written contract with disclosures, and cannot charge upfront fees unless you're an attorney. Be very careful.

So you’re telling me people pay to dispute stuff they could do themselves for free? its wild. But hey if it keeps you on track, more power to you.

Can’t speak to RI companies, but I do recommend pulling your full credit reports from all 3 bureaus free at annualcreditreport.com before hiring anyone. That way you’ll know exactly what to focus on.

Alabama has some of the worst consumer protection laws, so be extra cautious. If you're negotiating with collectors always get the deal in writing before paying. Some will take your money and still report negatively.

Good habits = good credit. that’s really it no hacks, no tricks. Use less than 30% of your limit, always pay on time, and give it time scores are more about age and behavior than magic formulas.

I find the behavioral side fascinating. Not just financials..look at how consistently a company responds to credit inquiries. That tells you a lot about their internal discipline.

What got me hooked was a post breaking down exactly what happens in a credit dispute. Like who reviews it, what timeline they’re under legally, what counts as sufficient evidence. That level of detail is rare.

If you’re a veteran or know someone who is, check if they qualify for special financial counseling. A friend of mine used a VA program that included credit coaching. Not sure if it’s only for active duty though.

Also if you used PayPal or a credit card to pay, you might have chargeback options. Worth a shot even if Fiverr won’t refund directly.

Used CreditMRI last year. They helped clear out some ID theft accounts I had no idea existed. Worth it for that. I was getting nowhere on my own, and they got results in about 8 weeks.

I worked at Credit Glory for about 6 months last year. It’s remote, which is great, but super metric-driven. You’ve gotta be quick with disputes and hit your daily numbers. Training was okay but i had to Google a lot early on. Definitely not a chill startup vibe more call center energy.

Do you plan on getting a loan or credit increase soon? If not who cares if your score drops a bit? It’ll recover. Better peace of mind than managing an unused account.

I remember Navy Fed saying they weren’t gonna bother with contactless due to security concerns. That always felt like an excuse. Glad they finally re evaluated.