Search results

Small banks act nice until you need something slightly out of the ordinary. Then it’s “we’ll get back to you

Has anyone had any experience with The RGV Credit Repair Specialists? I’ve seen their name come up a few times and I’m curious if they’re actually legit. A friend of mine in the Valley is thinking about working with them to get some old negative marks cleared up before applying for a mortgage...

Just wanted to drop a quick post in case anyone's dealing with credit issues. A few months ago, my score was in rough shape after some medical bills and late payments. I ended up working with Freedom Credit Repair, and honestly, I’m glad I did. They were transparent from the start, explained...

Just wanted to share something quick. If you're in the credit repair space and tired of chasing bad leads or running ads that go nowhere, I highly recommend working with a marketing agency that actually specializes in this industry. I was struggling for a while wasting money, missing...

At 18, I’m starting to plan ahead Jersey City has always felt like home, and I’d love to eventually live downtown. Right now, I’m working on building credit, but I’m wondering what kind of score I’ll need if I want to rent a luxury apartment. Has anyone here applied to high-end buildings in...

The quality of customer service can really make a big difference with these companies. Has anyone had an experience where their representative actually followed up and returned calls in a timely manner? That kind of responsiveness is rare but crucial

My mom totally flipped out over a $5 Amazon purchase not because of anything on my credit report, but because she spotted it on our shared bank statement. It was something completely harmless, but she still made a big deal out of it. Just goes to show that sometimes it’s not the credit activity...

We used Operation HOPE they’re a nonprofit that provided my son (USMC) with free credit coaching. Over the course of 10 months, they helped him raise his score from 540 to 630. Highly recommend if you’re looking for no-cost, trustworthy support.

There’s absolutely no reason for a landlord to use some sketchy, unknown website to run a credit check. There are plenty of well-established, trusted platforms like RentSpree, Zillow, or MySmartMove that handle this securely and transparently.

I worked with AAA Credit Repair for a short time. In the beginning, their communication was actually pretty solid they were responsive, explained the process clearly, and seemed on top of things. But after about two months they stopped reaching out and basically went radio silent. I had to...

Aim to keep your credit utilization below 10%, not just under 30%. A lot of people say 30% is okay but if you really want to see your score improve, staying in the single digits makes a noticeable difference. That’s where the real credit growth happens

PayPal Credit can be a bit tricky when it comes to servicing. It used to be handled by Synchrony Bank and they have a reputation for being quick to report late payments even for small slip-ups. Definitely one of the stricter lenders out there

Man, I once paid a guy at a barbershop in cash to “fix my credit,” and now I’m getting letters from the IRS. So yeah… probably not the best route to take

It’s like dating someone who won’t post about you on Instagram but has no problem airing your drama on Facebook. Cool, cool, cool

Yoooo I went with a group in Oak Lawn called Restore360. They were kinda expensive but I legit saw my score jump 70 points over 6 months. Two lates and a paid collection gone

Dude, I totally forgot I even signed up. A month later I get this email saying 'progress made!' and I’m thinking what? Turns out they removed one inquiry the one I added myself

It's absolutely valid to ask these kinds of questions, I wish more people took the time to do so before hitting “accept” on the terms and conditions. It’s easy to get caught up in the excitement of a purchase or the relief of a short-term solution, especially when it comes with appealing offers...

I’ve been on the journey of rebuilding my credit from a 530 score, so trust me I completely understand the anxiety and hyper-awareness that comes with every little charge or payment. When you’ve put in the effort to improve your credit, even the smallest misstep feels huge. But take a deep...

Surprisingly I had a pretty good experience. Not sure if I just got lucky, but the company they matched me with was able to get three late payments taken off my report

Square’s tap feature is a bit more responsive but if you’re already using Wave for accounting and invoicing it’s the more convenient choice. Really just comes down to how your system is set up