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Hello is there still credit repair? I’m trying to refer people that’s asking I want to make sure before they pay on a website. I haven’t seen anything on social media?

Unpopular opinion : Before you get married both of you use a FHA loan to buy 2 homes and play sleep over for a year. Rent both out and use those 2 pay for the primary home.🏠

🔁 1. You’re Making Minimum Payments Only Paying your bills on time is great, but if you’re only making the minimum payments, your credit utilization might stay high — especially on credit cards. High balances can weigh your score down. ⸻ 📉 2. Credit Utilization Is Too High If you’re using more than 30% of your available credit, that’s a red flag for credit scoring models. Even if you pay on time, a high balance relative to your limit can keep your score stuck. ⸻ 🕰️ 3. Not Enough Time Has Passed Credit history takes time to build. If you recently paid off debt or opened/closed an account, it might take a few months to reflect in your score. ⸻ 🛑 4. You Closed a Credit Card Closing a card (especially an older one) can hurt your average age of credit and reduce your available credit limit, both of which can stall or drop your score. ⸻ 📝 5. Negative Marks Are Still on Your Report Things like late payments, collections, or bankruptcies can stick around for 7–10 years. Even if you’re doing everything right now, old issues can weigh your score down. ⸻ 🧍‍♂️ 6. You Don’t Have Enough Credit Mix Credit scoring models favor people with a mix of credit types — like installment loans (e.g. car, student) and revolving credit (e.g. credit cards). If you only have one type, your score may plateau. ⸻ 🔍 7. There’s a Mistake on Your Credit Report Errors happen more than you’d think. Check your credit reports Click this ↪️ Get Your Credit Score & Free Credit Report Now for any inaccuracies or outdated info. ⸻ 📂 8. Too Many Recent Hard Inquiries If you’ve recently applied for several new credit lines, the hard inquiries can temporarily ding your score — and too many at once can stall your progress.

Is there another number to reach customer service I referred people who paid Mothers Day and still haven’t received an email to start the process and their texting me like I know Daniella personally 😭😭🤦🏻‍♀️