SultanSteel
New member
Ciao reddit. My best friends got a killer job as a video game developer, but his credit score is stuck in the Upside Down (think Stranger Things, but way less cool).
Here's the twist: He barely uses credit cards, so why the low score? Turns out, his parents (bless their hearts) decided to be "generous" and co-signed a loan for his older brother who, well, let's just say "financially responsible" isn't exactly his middle name. Now, my friend’s stuck with the fallout – late payments and a defaulted loan dragging his score down.
He wants to buy a sweet new gaming rig (because priorities!), but needs a decent credit score for a loan. We’ve heard about "credit repair" but have no idea what it means. Is it some shady magic trick? Can they just delete his brother's mess-ups from the credit report with a snap of their fingers? We need answers, and fast, preferrably before GTA 6 (pun intended).
Here's the twist: He barely uses credit cards, so why the low score? Turns out, his parents (bless their hearts) decided to be "generous" and co-signed a loan for his older brother who, well, let's just say "financially responsible" isn't exactly his middle name. Now, my friend’s stuck with the fallout – late payments and a defaulted loan dragging his score down.
He wants to buy a sweet new gaming rig (because priorities!), but needs a decent credit score for a loan. We’ve heard about "credit repair" but have no idea what it means. Is it some shady magic trick? Can they just delete his brother's mess-ups from the credit report with a snap of their fingers? We need answers, and fast, preferrably before GTA 6 (pun intended).