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I did this part-time while homeschooling my kids. Pulled in about $2,500–$3,000/month. Not amazing but for part-time work from home, i felt it was fair. Biggest expenses were software and advertising....Facebook ads ate my budget fast. Word-of-mouth was way more effective.

My coworker swears by a local woman named Tanya who does consultations out of her home office. I was skeptical, but he went from denied credit cards to getting approved for a car loan in 8 months. If you want, I can ask him for her contact info. Sometimes the low-key helpers are the best-kept...

This honestly made me tear up a little. My mom was caught in this exact cycle when I was a teen. She’d get a $300 loan, pay $360 on payday, then take $300 again just to keep groceries on the table. We lived like that for almost a year. It wasn’t laziness. It was survival. These places prey on...

Found a guy on LinkedIn who does Credit Deep Dives for $75 flat. Came with a recorded Zoom call, action plan and some disputing scripts. It’s the least scammy thing I’ve done in this space.

I’d call them legit-ish. I signed up in January and saw maybe a 20-point boost after 3 months. Their dashboard’s clean and they’re responsive with questions. But it definitely felt like a template-driven process. If you’re expecting them to do miracles while you chill, you’ll be disappointed.

Whatever you do, don’t pay collection agencies without negotiating a pay for delete. Otherwise your score might not improve at all even if the debt is paid. Learned that the hard way

Your credit could be 420 (nice) and it wouldn’t matter unless you’ve got a criminal record attached to the house or something. Selling is basically like saying, “Hey I own this. Wanna buy it?” Credit score isn’t part of the deal unless you’re trying to buy another house at the same time and need...

I once got denied a job offer because of a $300 medical bill that went to collections. The job was for a bookkeeping assistant at a construction company. Totally blindsided me. They said i was the top candidate until they ran the credit check. I cleaned things up afterward but the damage was...

Is this a US-based business only or could it work for people in Canada or the UK too? Credit repair laws vary wildly so just want to check. I have a few clients in both regions.

I booked a consult but never followed through because their monthly price was high. I like that they offer credit education but wasn’t sure if i was being upsold. Would love to hear from more people who actually completed the process.

Just chiming in to say avoid Lexington Law. I used them years ago and paid monthly for almost nothing to happen. Literally paid them for like 8 months, and maybe one dispute letter was sent. I was too naïve to question it back then. If they’re in Vegas they might have better luck with someone...

Impulse spending wrecked me. The secret for me? Freezing my credit cards and forcing myself to wait 24 hrs before buying non-essentials. That pause changed my life. Rebuilding credit is 70% behavior, 30% knowledge.

Don’t forget to freeze Innovis, LexisNexis, and SageStream too if you're disputing aggressively. Sometimes bureaus cross-check with them. One dispute i filed didn’t go through till i froze those three. That tip came from a Reddit rabbit hole and saved me months.

Honestly i’d be wary of any credit repair service. Most of what they do you can technically do yourself disputes, debt validation letters, all that. That said i get it if your friend doesn’t have time or doesn’t know where to start. Just be careful and read the fine print. Some of them are shady AF.

Your story’s why we need better financial education in schools. No one teaches how sensitive credit scores can be. You didn’t do anything wrong, technically you just didn’t know. The good news? You’re not in real debt, you’ve got income, and you’ve caught it early.

I work in real estate and have seen clients try credit repair before closing. Sometimes it helps, sometimes it delays things. One client used ACR and got a collection deleted, but then had to explain multiple disputes to the underwriter. Just keep your lender in the loop if you go this route.

I helped my cousin start a similar biz last year. Biggest lesson is don’t overpromise results. Clients expect their score to jump 100 points overnight. Set realistic expectations from day one. We offered 1-on-1 consults and that helped build trust. Local partnerships with realtors were also a...

Brooo I flipped a credit repair site in Jan that I bought for $600 and sold for $3k after adding a blog and a funnel to a Calendly consult. These things can work if you put effort into SEO and make the homepage not look like it’s stuck in 2009. Traffic was mainly from FB groups + Google My Biz.

Anyone know if they work with people in Chapter 13? i’m mid-bankruptcy and don’t want to mess anything up but would love to prep my credit for when it ends next year.

Same boat here.....Alsip born and raised. Got tired of Lexington Law charging monthly without real progress. It always felt like they just sent form letters. I didn’t even think to look locally. If you don’t mind sharing the name, i’d appreciate it. I’d rather support a local firm that actually...