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Moving’s stressful enough without having to decipher bank drama. You’re doing the right thing by researching now

I’m looking for advice on how to explain credit to a child maybe 8 to 12 years old, in a way that actually makes sense and sticks. I want to help my kid understand the basics early: how credit works, why it matters, and how borrowing and paying back responsibly affects your credit score. But I...

I tried fixing my credit in 30 days once. Ended up binge-watching Suits and forgetting to send the dispute letter

My credit repair company up for sale and wanted to see if there’s any interest here before listing it elsewhere. The business is fully operational and includes everything you need to take over and start generating revenue right away site, branding, CRM system, dispute letter templates...

Just wanted to start a discussion and maybe share some insight for anyone struggling with their credit. It seems like there’s a ton of noise out there when it comes to fixing your score some helpful, some not so much. So I figured I'd ask: what are the real “secrets” to credit repair that...

I’m 22 and had a credit score just over 800 a few months ago. Out of curiosity, I decided to explore the idea of getting a home loan nothing serious, just wanted to see if I’d qualify and what the numbers might look like. I ended up submitting a few “pre-applications” with different banks...

I'm currently in the market for a credit repair site either a fully built site ready to go, or one with a solid foundation I can build on. Ideally looking for something with a clean design, basic functionality (lead forms, service breakdowns, maybe even a client portal), and good domain...

Worked with Rush Credit Repair over the past few months, and the results honestly surprised me (in a good way). My credit was in the low 500s due to old collections and late payments. I was trying to get things together to qualify for a mortgage, but time wasn’t on my side. Rush Credit Repair...

Curious to hear your thoughts do you prefer using credit cards or debit cards for everyday spending, and why? I’ve always used debit by default because it feels like I’m only spending what I actually have, and it helps me avoid debt. But lately I’ve been hearing a lot about the benefits of...

Looking for some advice. Last year, I started a small massage therapy business and rented a salon suite, hoping to grow it into something sustainable. Unfortunately, it didn’t work out, I went through my savings pretty fast and eventually had to close up shop. That left me with about $12,500 in...

While there’s always a possibility that a soft inquiry might be made when you provide personal information like your SSN, especially for verification purposes, it’s nothing to worry about. Soft inquiries don’t impact your credit score and, more importantly, they’re only visible to you not to...

This scam honestly feels straight out of a spy movie. Wouldn’t be surprised if the next step is them knocking on your door asking for your safe combination

When tackling collections, it’s important to approach it strategically. Don’t just pay them off blindly start by calling the collection agency and negotiating a settlement amount in exchange for a pay-for-delete agreement. This means they agree to completely remove the negative item from your...

Anyone else low-key curious about what would happen if someone submitted a completely fake credit report to one of these shady-looking sites? Not saying I would purely asking for science. Would they just accept it without question?

Make sure they’re licensed and bonded in your state that’s one of the easiest ways to tell the legit companies from the sketchy ones

Just because a collection account is marked as “paid” doesn’t automatically mean it’s helping your credit. A paid collection can still negatively affect your score, especially if it remains on your report for several years. That’s why it’s always better to try and negotiate a pay-for-delete...

Even if the payment was technically late, you can sometimes request a “goodwill adjustment,” especially if you’ve had a solid payment history up until now. It’s not guaranteed but many issuers are willing to cut you some slack if it’s a one-time slip-up. Definitely worth asking.

The MyFICO forums were honestly a game-changer for me way more helpful than any credit repair company I tried. The community is incredibly knowledgeable, and there are tons of proven strategies, tips, and templates for things like pay-for-delete and goodwill letters. Best part? It’s all free...

Consider reaching out to a credit union many offer emergency loans with better terms and positive credit reporting

If it sounds like a hack it probably is. Credit isn’t broken it just hates us all equally