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Rush helped my cousin out too. He had a repo and some hospital collections messing with his file. They weren’t miracle workers, but after 4 months, his score jumped like 80 points and he was able to finance a car at a much better rate. I think the key thing is that they communicate and explain...

I get people want to DIY marketing but if you don’t specialize in it, you’ll just spend time + money with no ROI. Agencies aren’t magic but when they niche down...... they bring in results that are hard to replicate solo.

LMAO emergency credit repair sounds like credit CPR but honestly i have been there. Got denied for an apartment and it turned out my ex never paid off a joint account. Found a service through Reddit and they helped me get that off. Took about a month though, so not instant but still helped in...

Posts like this hit hard when you’re on the grind. I’m currently juggling two jobs and paying off debt slowly. Knowing there’s light at the end of the tunnel helps. You didn’t give up,and now you’re thriving. Congrats!

Tbh i think the stigma around debt makes it worse. People suffer in silence trying to maintain appearances while their credit card interest eats them alive. Normalize talking about it earlier.

Used Credit Clean Australia last year and honestly... it was okay. Not amazing. They got one default removed but two others stayed put. They said they couldn’t remove them due to the nature of the debts which i later found out just meant they were legit debts. $1,200 down the drain. Maybe if...

Still working with them. Started in January. So far they’ve disputed two collections and advised me on opening a secured Discover card. Score’s up about 35 points. Not a bad start. I like that they don’t sugarcoat things.......they told me upfront that some items may stick. Appreciate the honesty.

Bro u just need one or two strategic partnerships. Hit up a local tax prep company or car lot and offer them 20% of every client they send. Setup a referral contract and you’re golden. Win-win.

I printed 100 business cards, walked into apartment complexes, and spoke to the leasing office manager. Offered tenant workshops. Got invited to 3 events in one month.

Debit for daily stuff like coffee or groceries. Credit for anything over $100 especially travel. Why? Because my credit card saved me $700 once when my airline canceled a non-refundable ticket.

Grad student with a 710, moved into Lenox with a roommate who had no credit at all. I carried the lease, showed my stipend letter and that worked.

Bro, the 40K referral bonus alone made me cackle. I did a referral chain with my partner and then my sister. That’s 80K for doing nothing but clicking a link. Chase out here printing URs like it’s 2020 again

Legally speaking a garnishment is a remedy not the actual judgment. The judgment is the issue that lenders care about, not the collection method. But yes garnishments suck. Been there

If you’re in garnishment now try calling the creditor to negotiate a lump sum to stop it. Sometimes they’ll take less than the total to end it early. Also check if your state has limits they can’t take everything.

Exclusive leads are mostly a myth. Unless you have a custom funnel running for you, chances are they’ve been sold 3–4 times. I built my own lead magnet on FB and now get warmer, cheaper leads with less ghosting.

I’ve had the Costco Anywhere card (by Citi) for years.....it’s a gas monster. 4% cashback on fuel and builds credit like a champ. Definitely beats store-only cards.

Bro i gave them a try and ended up with more stress. Got bounced between 3 reps over 4 months. It was like a bad group project where no one wants to take ownership. My score barely budged.

I’m cautiously optimistic. My little brother’s been struggling to get approved for a credit card just because he hasn’t had debt yet. This could really open doors for folks like him.

Been hovering at 828 for a year. Mortgage paid no revolving balances, 20-year-old accounts… but still no 850. Honestly i think you need to sacrifice a goat under a full moon or something. FICO voodoo.

They’re not bad. I used them for 4 months saw a 50-point increase, and then stopped to save money. I still use the credit education resources they sent me. It’s decent if you’re busy or don’t want to DIY.