The day I stopped putting $600 on credit cards after every credit repair session

I spent 2 years paying a company in Fort Worth $200 a month to dispute stuff on my reports. Every 3 months they'd say they got something removed and I'd feel good. Then I noticed my scores went up like 20 points but my cards were maxed because I wasn't watching my own spending. A banker friend asked to see my budget and pointed out I was basically running on a treadmill. Has anyone else caught themselves focusing more on the cleanup than the habits that got you there?

3 comments

3 Comments

troyknight16h ago

That banker friend did you a real favor by being honest with you. Most people in the credit game are just chasing the number without asking why it got low in the first place. Spending money on repairs while still running up cards is like mopping the floor while the sink is still overflowing. You can dispute all day but if you're carrying balances over 50% utilization every month you're just fighting your own progress. The real trick is getting the spending under control first and then using repair to clean up what's left. Plenty of folks with perfect 750 scores still end up in trouble because they never fixed the root problem.

the_holly11h ago

Are you saying even a 750 score doesn't matter if you still have bad habits with money?

jake7473h ago

Yeah, "mopping the floor while the sink is still overflowing" sums it up perfectly.