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Can we talk about those $35 credit score repair apps?
I spent $60 on this app called CreditFix that promised to boost my score in 30 days. All it did was show me my TransUnion report which I can already get for free lol. The tips were just basic stuff like pay your bills on time and lower your balance. Total waste of money and I feel dumb for falling for it. Has anyone actually had luck with one of those apps or are they all scams?
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simonk9810d ago
Yeah "boost my score in 30 days" is a huge red flag. No app can legally change what's on your credit report unless it's the actual credit bureau fixing a mistake. Those apps are basically just a fancy wrapper for free credit monitoring you could get elsewhere.
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the_miles10d ago
Respectfully, "no app can legally change what's on your credit report" is misleading since those apps work by reporting positive payment history.
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wren_mitchell9d ago
respectfully, 'no app can legally change what's on your credit report' is misleading" - hold up but is it really though? those apps can report payment history but only for bills you already pay on time, so what's the actual value add? i tried one called Credit Hero and it just asked me to link my streaming services and phone bill, then said my score went up 3 points. but that was just because Experian Boost does the same thing for free. so the question is, are these apps actually doing anything you couldn't google in 5 minutes or get from a free credit monitoring site? because i'm still waiting for someone to show me one that actually fixes a legit mistake on your report or removes a collections account. that's the real help people need, not a score tick from reporting your netflix payment.
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