I've seen a bunch of them advertised but it's hard to tell which ones are actually trustworthy and not just trying to make a quick buck. Anyone have experience with a real reputable one?
The most legit credit repair out there is honestly just you a spreadsheet and some patience
Most of those companies are just charging to submit disputes you could file yourself for free
I tried Lexington Law a while ago. They did manage to remove a couple of items but it dragged on for ages and they kept charging me every month. Overall, kind of a “meh” experience.
Has anyone here used Credit Saint? I keep seeing their ads everywhere but I’m hesitant to waste money on something that might not deliver been burned before
Honestly it’s worth taking the time to read up on the Credit Repair Organizations Act (CROA). A lot of these companies push the limits and operate right on the edge of what’s actually legal
I got sucked into one of those $99/month credit repair scams. They ended up disputing accounts that didn’t even belong to me and now my credit report is a total mess
If they’re asking for payment upfront that’s a red flag it’s actually illegal. Under the CROA they’re not allowed to charge you until they’ve delivered the services
Paying off debt might not boost your credit score immediately but it sets you up for a stronger financial future. It’s a short term sacrifice that leads to long term benefits
It’s tough when you’re in a desperate spot and unsure who to believe. Just know that asking questions doesn’t make you dumb things are seriously confusing out here
I gave Credit Saint a shot, but honestly didn’t see much of a difference. In hindsight I would’ve been better off using that money to pay down my balances.
I went with a local credit repair guy, and it seemed to work at first but a few months later, a bunch of the negative items came back. Felt more like a temporary fix than a real solution.
There are some ethical credit repair professionals out there but they’re definitely the exception. The trustworthy ones focus on educating you and don’t make unrealistic promises
I used them for about 4 months. They were friendly enough but honestly they didn’t do anything I couldn’t have knocked out myself in a single afternoon
Credit repair companies really be out here like we’ll improve your credit by hitting the ‘dispute’ button on Credit Karma for you. That’ll be $129 thanks
Disputing info that’s actually accurate isn’t just sketchy it can cross the line into fraud if you’re not being honest. A lot of these companies conveniently leave that part out