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We’re trying to find a reliable and legitimate credit sweep company and could really use some guidance. If anyone has firsthand experience with a company they trust, I’d love to hear about it. Any recommendations or even warnings about who to avoid would be super helpful. Thanks in advance for...

I recently had my car repossessed. I’d been making payments on it for four years without a problem, but I hit a really rough patch, fell into depression, and stopped keeping up with my bills. It’s been a tough lesson and definitely a wake-up call. Since then, I’ve been getting around Houston...

I’ve been researching ways to strengthen my credit profile, and I keep coming across the term “alternative tradelines.” From what I understand, these aren’t the typical credit cards or loans you’d see on a credit report they can be things like rent payment reporting, utility bills, subscription...

I’m trying to help a family member work on rebuilding their credit, and we’re currently looking into credit repair options in the Chicago area. They’ve got a few late payments showing on their report one from a closed credit card, and another from a personal loan that was actually paid off last...

What actually happens to a personal loan if the lender dies? Let’s say someone lends you money through a private, personal agreement (not a bank or financial institution), and unfortunately, they pass away before the loan is fully repaid. What are the legal and financial implications in that...

Checked my credit and my FICO score is currently 633. Not terrible, but definitely not where I want it to be. I know it falls into the “fair” range, but I’m hoping to bring it up into the 700s over the next year or so especially with a car loan or maybe even a mortgage on the horizon. I’ve made...

A family member is thinking about selling their home, but their credit isn’t in great shape right now. They’re worried it might somehow affect the process or cause issues with the sale. From what I understand, buying a home definitely involves credit checks, but what about selling one? Is bad...

Has anyone here had real success with credit repair services in Atlanta specifically when it comes to removing late payments or other negative marks from a credit report? A family member is trying to clean up their report before applying for a mortgage later this year. Most of the damage is...

Yo, quick question for anyone who's tried American Credit Repair. I’m thinking about using them to clean up my credit a bit before I go house hunting but I’m not trying to get scammed or waste time. Their site looks decent, but we all know that doesn’t always mean much. So if you’ve used them...

I’m currently learning more about personal finance and came across a question that got me thinking: what are the actual disadvantages of using credit? We always hear about the perks rewards, cash back, building your credit score but I feel like the downsides don’t get talked about as much...

I’ve been repairing friends and family’s credit for a little while now but I’ve just now decided to take it on as a full time job. Most of my clients come from my mom as she repaired personal credit for a very long time but has now moved on to business credit, old clients still call her so she...

I’m looking into tax relief services and trying to figure out which ones are actually legit. There are so many companies out there promising to reduce tax debt If you’ve worked with a tax relief company before, which one did you use?

I recently got a letter from Westlake Portfolio Management (WPM) regarding my auto loan. i’m trying to understand exactly what they do. Are they a loan servicer, a debt collector, or just managing my account on behalf of another company? If you’ve worked with them, what’s your experience? are...

I have an open collection with Resurgent (debt collector) for around $2,000. I'm considering negotiating a settlement and hoping to get it down to at least 50%. I've seen some posts here suggesting they might offer "pay for delete" deals. Has anyone recently negotiated a pay for delete...

I’ve heard leasing offers flexibility but buying means owning in the end. Are there key pros or cons I should consider for either? Would love to hear your experiences or advice