How do I find a debt litigation lawyer?
Reddit » Credit Repair
by /u/theonlyepicone
3d ago
I dont wanna file for bankruptcy, I just want to negotiate against some companies threatening to sue me since 1 company said they gave me a judgement I never received 2 years ago and when I called to try to get them to verify debt, they rudely wouldn't and only verified once I reported them to the bbb. The other company Jefferson capital system just keeps sending me offers but no proof of the account being under them. When I'm googling for an attorney, it only shows me bankruptcy lawyers. submitted by /u/theonlyepicone [visit reddit] [comments ..read more
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Alright Ladies and Gentleman, I’ve paid off 95% of debt owed, who did you use for “credit repair” when it came time to clean up?
Reddit » Credit Repair
by /u/Mediocre_Tear_7324
3d ago
Preferably not Lexington Law Firm. I feel they are one amongst the scams out there. submitted by /u/Mediocre_Tear_7324 [visit reddit] [comments ..read more
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Just took out an auto loan and need to freeze my credit after someone stole my information, will this affect the loan?
Reddit » Credit Repair
by /u/Sufficient-Study1215
3d ago
As the title states. I JUST took out an auto loan about a week ago. Because of this, it still has not hit my credit file yet. Unfortunately, someone stole my social security number and other personal information this weekend. I froze my Equifax already but then I thought about it and realized maybe I should wait. Would freezing my credit before the loan hits my credit file affect the loan? Or should I wait until I see it on my report and then freeze everything and just be hypervigilant in the meantime? submitted by /u/Sufficient-Study1215 [visit reddit] [comments ..read more
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Should i keep all 3 credit cards ?
Reddit » Credit Repair
by /u/Over_Drawing_319
3d ago
my score is in the low 600’s , have 3 missed payments in 2020, just paid off my car that dropped my score 30 pts to low 600s and last i have 2 collections i settled PFD that should be off within next month. that’s just a little context to know my situation. Merrick bank $600 Credit one $500 Capital One Savor $2000 (new since last week) my question is in terms of gaining credit should i keep all 3 open until i apply for another card in 6 months ? or should i close merrick and credit one and only keep capital one open? I know they have annual fees but right now i’m only worried about max credit ..read more
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My colleagues have suggested I start a nonprofit to help people with credit repair
Reddit » Credit Repair
by /u/FRVRnAFTR
3d ago
I hate the predatory industry of credit repair and everyone in this sub Reddit seems to feel the same. I've spoken with a couple friends and I've been in industries where I've worked with lenders firsthand and have helped evaluate credit. I've also helped associates clean up their score and reports. I've been encouraged to start a nonprofit to help people from overpaying and getting back on track since our world typically revolves around credit. I've seen how devastating bad credit can be firsthand. I thought I would ask this Reddit their thoughts since it seemed like the appropriate place. W ..read more
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Advice wanted
Reddit » Credit Repair
by /u/Longjumping_Sign3694
3d ago
Desired Outcome: Objective: Fix my credit to qualify for a house within the next year. Current Situation: • Age: 36 • Status: Single mother of 6 • Monthly Income: $5,500 • Monthly Rent: $2,400 • Monthly Expenses: • Childcare: $1,700 ($423/week) • Utilities: $600 • Debt: • Credit Cards: $800/month (ongoing payments) • Food, clothes, diapers: Purchased using credit cards • Collections: $4,000 • Charge-off: Vehicle ($28,000) • Student Loans: $60,000 (in good standing) • Credit Score: 540 • Eight credit cards (initially thought to help raise credit score) • No Vehicle Owned Issues and Concerns ..read more
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Need Help Rebuilding
Reddit » Credit Repair
by /u/pip_picasso
3d ago
Hey 20M here, birthday in a few. So I recently got my ssn and I must say did extensive research. You know trying to know the dos and donts. Did well got an amex blue card, a chase and 2 other regular cards in my first year. Was deciding on going down the chase or amex trifecta. As you can see I was really really into it. However I came from a background of a family with no real discipline in money management, so I guess I overestimated myself. So one bad thing to the next I racked up $8,500+ in credit card debt in my second year of ownership. now all my cards are charged off. Back then I wasn ..read more
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Accidentally went over credit limit.
Reddit » Credit Repair
by /u/STRAlGHTCANCER
3d ago
Hello everyone. I accidentally went past the spending limit on my Apple Card. I know high utilization is bad in general but I went to pay it down and forgot to throw money into my checking. Essentially it got reversed, the debt got applied back into my card, and then it hit my score dropping it 30 points. What are my options? submitted by /u/STRAlGHTCANCER [visit reddit] [comments ..read more
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Medical Bills/Collections questions
Reddit » Credit Repair
by /u/BusinessBankerAD
3d ago
Hello all, I will try and make this quick. I was super sick in November of 2023. Nobody could figure out what it was. My work provides medical insurance through Kaiser This is a summary of my visits. Visit 1: Kaiser - Emergency Room Visit 2: Different Hospital A - Emergency Room Visit 3: Different Hospital A - Emergency Room Visit 4: Kaiser - Doctor’s Appointment Visit 5: Different Hospital B - Emergency Room Visit 6: Different Hospital A - Emergency Room I kept having to be rushed to the emergency room by my mom who kept being worried due to me being extremely malnourished and dehydrated. Du ..read more
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Where next
Reddit » Credit Repair
by /u/Herofromhere
3d ago
Hey to start off with this is my very first post and im new to reddit but ive used this sub to guide me so far. I am new to credit so i have been building to have the best start i can. I have my rent report posting so far to all 3 bureau and i also have kikoff and a 5k sales loan for some work needed done last month that will both (kikoff and loan) start reporting at the beginning of next month. my score is at a 667 because of rent report and i think it will get stronger after they both post next month. i now want to wait till the new postings and work for a good 2-3 creditcards to actually g ..read more
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