- Feeling stuck at 580–620 and not sure what to fix first
- Getting denied for apartments, cars, or credit cards
- Paying high interest rates because your score isn’t improving
- Disputing on your own but nothing is changing
- Tired of paying people for credit repair and still seeing no results
- Watching your score go up… then drop for no reason
- Collections, late payments, charge-offs—you don’t even know where to start
- Feeling overwhelmed because credit repair feels like a full-time job
If this hits home, just drop a “me” or “same” below.