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Truist still doesn’t feel like a real bank to me. It’s hard to even describe exactly what it is, but there’s this weird, off-kilter feeling every time I interact with them like the whole thing is trying really hard to convince me it has its act together, but deep down, you can tell it doesn’t...

I’m looking for credit repair services in Las Vegas and wanted to see if anyone here has personal experience or recommendations. There are so many companies out there, and it’s hard to tell who’s actually legit and who just makes big promises with no results. This is for a family member who’s...

I’m based in Alsip, IL and wanted to share my experience in case anyone else around here is dealing with credit issues. After years of struggling with a low score, I finally decided to get help and looked into a few local credit repair services. I ended up working with a small firm right here...

I ran into a situation recently where I needed to fix my credit fast like, within a few weeks. I was applying for a loan and a couple of errors on my report were dragging me down. Total panic mode. After trying to dispute things myself (which went nowhere), I found a service that specializes in...

Just came across a company called Seminole Credit Repair while looking into options to help clean up my credit. Curious if anyone here has actually worked with them? There isn’t a ton of detailed feedback online, and before I make any kind of commitment, it’d be great to hear from people who’ve...

It feels like the Ink business cards don’t get nearly as much discussion as some of the other major credit cards, and I’m not sure why. Just this month, the Ink Unlimited was offering a 90,000-point welcome bonus, and the Ink Preferred is currently sitting at a 100,000-point SUB plus it unlocks...

I went through their FAQ section, and it looks like they charge a monthly fee along with a one-time setup cost. That’s fairly typical for credit repair services and at least they’re being upfront about it no unexpected charges jumping out, which is a good sign.

Is your mom really strict when it comes to finances? Because keeping tabs on your credit report at 22 feels a little over the top. At that age, most people are trying to gain some independence and learn how to manage their own money

I can back up what others have said the VA doesn’t directly repair credit, but they can definitely point you toward reputable nonprofit organizations that offer credit help and financial guidance

I once submitted completely fake info to one of those sites just to see what would happen. I put my credit score as 420 and they still emailed me saying, “Congratulations, you’re approved!” That told me everything I needed to know.

Any company promising “fast” credit repair is selling false hope. Building credit takes time—just like trust... or a really good pot of chili

I decided to go old-school and sent handwritten letters to three different collection agencies. To my surprise, two of them actually agreed to remove the negative marks from my credit report completely. It took a bit of time and follow-up, but it worked. The key is persistence and politeness...

I’ve actually had success with goodwill letters in the past. If you write it like you’re sincerely apologizing to your grandma polite, humble, and honest there’s a good chance someone on the other end might relate and give you a break.

I used to work at a credit repair company for a short time, and honestly, most of what we did was guide people to fix their credit themselves while charging $99 a month for what was basically a motivational pep talk. Take that info however you like.

I see Snap as a trap they target people with few options and don’t even have the decency to report your positive payments

Loan officer here removing those lates might give a short-term boost but underwriters still see the full history even if it’s not factored into the score. Just keep that in mind if they’re planning on buying a house soon

I worked with them around six months ago. I had a few medical collections and a strange duplicate account on my report. They managed to get two out of the three items removed though it took about three months. It’s not a miracle fix but it did make a difference

I’ve been in that situation before used it to cover a hefty dental expense i missed the payoff deadline by just a single day, and the interest hit hard. My advice? Set a reminder or calendar alert well ahead of time. That one extra day can be costly if you’re not careful

I completely understand how stressful this must feel. But seriously, you’ve done an incredible job keeping your score in great shape one small slip-up doesn’t erase all the consistent responsible habits you’ve built over the years

I gave them a try and got matched with The Credit Pros. It was okay, but honestly, they just filed a few disputes nothing I couldn’t have handled myself. Not super impressed