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Get a copy of your credit reports from AnnualCreditReport.com. Look for errors, outdated info, or duplicate collections. Dispute those first before hiring anyone.

Not entirely wrong but many have legit financial backgrounds. Some are certified by NACSO or have finance degrees. Others... just learned it from YouTube and charge $500/month lol.

Honestly even a single error removed is a win. I once had an old medical bill from 2007 haunting me. Disputed it and my score jumped 60 pts.

Try to refinance? Maybe co-sign a lower-interest loan and pay off the original one? Risky for u but might help.

Anyone tried Ovation Credit? Thinking of giving them a go but their reviews are mixed.

There’s a service called Experian Boost. It adds your utility bills and phone payments to your score. Didn’t help me but some folks swear by it.

Check out Credit Karma or Experian app to see if anything new pops up. They’re free and usually show updates quickly.

I’m on a cash envelope system but digitally, so debit cards are a must. Works wonders

Did they actually show you the letters or updates? I worked with Lexington too but felt left in the dark a lot.

You’re smart to be cautious. PayPal Credit is decent for convenience, but it’s issued by Synchrony, and they’re known to be stingy with credit line increases. Just watch your credit mix and overall utilization

Sometimes it's just about knowing what to say to the bureaus. Even spelling errors in your name can lead to duplicate files. Worth checking.

File a complaint with the CFPB if they can’t validate or if they harass you. That got ERC to back off me real quick.

Freeze your credit reports, pull them all manually from annualcreditreport.com, and start there. I did that and fixed 4 late payments myself. Took time but $0 spent.

U are doing the right thing by getting intentional. Credit scores are all about usage and history. Keeping low balances and paying on time will help a ton even with PayPal Credit.

You can actually call Synchrony Bank (they issue the PayPal MC) and ask if it got reported yet. They’re surprisingly helpful with stuff like this.

I used to work for a legit credit repair firm for about 2 years. The key is knowing the difference between dispute resolution and credit sweeps. The latter can get sketchy fast especially if they r filing police reports claiming identity theft just to remove tradelines. That’s a hard no from me...

I used Bluegrass Credit Solutions a while back small local outfit. They didn’t promise me miracles just steady cleanup. Took 6 months but my score jumped 80 pts

yeah I got one too. Thought it was junk mail at first then realized it had my real name and part of my account number. Definitely sketchy feeling even though it looked official.

Idk about Tampa but i used Credit Saint remotely. Pricey but straight up with everything. Got a collections account off my report in 60 days

I feel you. I applied for 4 cards before realizing that business cards can be harder without an EIN. I switched to sole prop, used my SSN, and got approved for Capital One Spark. Don’t give up