It’s Time Credit Repair – My Experience So Far

A

alex 008

Member
Just wanted to share a quick post about a credit repair company I’ve been working with called It’s Time Credit Repair. I was a little skeptical at first (like most people are when it comes to these kinds of services), but I figured I’d give them a shot since my credit had been stuck in the low 500s for way too long.
They started with a full review of my credit reports, walked me through what was hurting my score, and then laid out a plan to challenge some of the negative items and get things cleaned up. What I liked most is they actually explained the process instead of just promising magic overnight results. It’s only been a couple of months, but I’ve already seen my score go up by nearly 80 points and I feel like I’m finally moving in the right direction. Still have a ways to go, but I’m definitely seeing progress. If you’ve been putting off dealing with your credit, maybe it’s time to do something about it
 
I’m lowkey jealous of your 80-point jump. i’ve been trying to DIY mine for the past year and only managed to gain 20 points. Feels like every time i pay something off, something new drags me down.
Might have to finally give in and get help. Do they offer one-time consultations or is it like a monthly subscription thing?
 
They helped you understand your report? That's rare. Most places act like it's top-secret NASA data. I had to Google what charge-off meant the first time i saw it.
Honestly even if they just educated you properly, that alone is worth some credit (pun intended). Do they work with collections too or just challenge tradelines?
 
I mean… good for you but ii’m always wary when I see posts like this. Feels a bit too neat? 80 points in a few months sounds like the start of every paid review i’ve ever read.
Not saying you're lying, just… credit repair’s got a shady reputation for a reason. Be careful with how much you let them touch.
 
I was in the exact same boat score hovering in the low 500s and feeling hopeless. Took me forever to admit i needed help. I used It’s Time too!
They weren’t miracle workers, but they helped remove an old repo and 2 collections, and explained why i shouldn't close my old secured card.
 
you can do most of what credit repair companies do yourself… but most of us don’t have the time or patience. If they’re educating and empowering you, not just sending generic disputes, that’s a good sign.
I say go with whatever gets the job done and helps you learn along the way.
 
You mind sharing how much they charged you? i reached out to a couple of these places and the prices ranged from $99/month to $500 for a deep dive. Felt kinda predatory.
Also did they mess with anything you didn’t approve? i’ve heard horror stories of people getting legit accounts disputed by mistake.
 
Thanks for this! My cousin’s been stuck in credit limbo for years. I’ll pass this on to him. I love that they didn’t promise overnight results that’s always a red flag.
Anyone know if they work nationwide or only in certain states?
 
For folks wondering why this might be working, here's a breakdown:

Accurate dispute targeting not just delete everything

Educating the client so they stop repeating bad credit behavior

Timely follow-up and proper letters under FCRA and FDCPA
Sounds like this company is actually applying pressure where it counts.
 
I’m 3 months into working with them too and i can confirm it’s not smoke and mirrors.
They disputed a bunch of old collections from a medical bill that shouldn’t have been mine to begin with.
Score jumped 62 points so far. Not bad for a company I almost didn’t call back.
 
Just want to chime in: it’s not about quick deletions, it’s about sustainable score growth.
If you’re seeing movement and understanding your credit better? You’re winning. Don’t stop now keep building positive history too.
 
I went the opposite route took me 2 years of grinding, paying off collections, sending letters, and calling creditors. It worked… slowly.
But it burned me out bad. Wish i’d had someone like this to lean on.
 
They sound like they actually respect your intelligence instead of treating you like a number.
If that’s real that alone is worth supporting. So many places just churn clients.
 
Can anyone who’s worked with them tell me:

Do they help with student loan issues?

Are they pushy about upsells?

Do you keep access to your reports?
I need help but don’t wanna get trapped in another subscription nightmare.
 
I worked with them last year. They helped me get a Capital One charge-off removed that had haunted me for 5 years.
My score went from 548 to 657 over about 6 months. Not magic but real.
 
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