I thought those 'credit repair' ads on the radio were all scams until my brother used one

My brother in Tampa had a 580 score from some old collections. He was skeptical too, but he paid a company called ClearPath Credit about $100 a month. After 6 months, they got two accounts removed and his score jumped to 640. It made me realize some of them might actually do the legwork you could do yourself. Has anyone else had a legit good result with a service like that, or is my brother just a lucky case?

4 comments

4 Comments

caleb_fisher441mo ago

Yeah, that "legwork you could do yourself" part is spot on. My cousin had a similar jump with one of those services, so it's not just your brother.

robert_scott571mo ago

Okay but "legwork you could do yourself" is the whole point, right? It's just paperwork. I get that it's annoying, but calling it "legwork" makes it sound way more serious than filling out some forms online. People act like you're hiring a lawyer for a court case when it's basically just data entry.

vera_lewis21mo ago

Honestly, calling it just data entry is kind of missing the point. Tbh, the legwork is more about knowing exactly which forms to file and when, not just typing. My friend messed up his timeline once and it set him back months. It's the stress of getting it wrong that people pay to avoid, not the typing.

seth_singh201mo agoOG Member

I used to roll my eyes at those ads too, but hearing your story makes a lot of sense. They basically just handle the annoying paperwork most of us put off. It seems like a fair trade for the time saved if you can afford it.