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I know I probably messed up, and I'm really hoping someone here can give me some guidance. Out of desperation to fix my credit, I hired a seller on Fiverr offering credit repair services. The reviews were solid—138 reviews, all five stars—so I thought it was safe. The seller said they needed my...

Just wanted to share my personal experience with Omega Credit Repair, in case anyone here is considering them or is on the fence about using a credit repair service. I started working with Omega about 6 months ago after my credit took a hit due to a mix of old collections, missed payments, and...

I recently applied for a credit product and got denied due to a “failed credit check.” When I looked deeper into it, I found out that one of the major credit bureaus (I think it was Experian or Equifax) has me flagged as deceased. Yep—dead. I’m very much alive, still working, paying bills, and...

Considering reaching out to Brightside Credit Services for help with credit repair, but before making any moves, it’d be great to hear from folks who’ve actually worked with them. Their website makes some bold promises about fixing credit issues removing collections, correcting errors, dealing...

My credit score is currently around 500, and I’m wondering if it’s even possible to lease a car with a score that low. I know that’s not an ideal number, and I’m working on improving it, but in the meantime, I really need a car for work and day-to-day stuff. Has anyone here been in a similar...

I’ve been thinking about using PayPal Credit for a couple of upcoming purchases, but I wanted to double-check how does it affect your credit rating? I know it’s issued by Synchrony Bank, so it’s basically like a credit card, right? But I’ve heard mixed things. Some people say it helps your...

My debit card information was recently stolen. I only realized it when I got a notification from Citi, checked my account, and saw some fraudulent charges. My card doesn’t even support tap-to-pay, so whoever did it must have somehow gotten my PIN too which was pretty unsettling. Citibank...

I recently got a letter from medicredit about a medical bill i supposedly owe. i don’t recall ever receiving a bill from the hospital or provider they claim it’s from. as i’ve tried calling them but the response has been vague and i’m hesitant to pay without verification. has anyone had...

My credit score is CRYING bc of high utilization. Any CO peeps conquer this? Need tips asap Trying to get approved for an apartment

Hi, since there are many queries regarding removing late payments from credit reports, here’s what I have gathered from going back and forth with credit attorneys (you’re welcome). So basically, it is possible to get them removed in the following cases: If a late payment has been listed on...