I almost fell for one of those "we'll fix your credit overnight" deals a while back. You know, the ones that promise miracles if you just pay them upfront. Luckily, a friend warned me to check out the FTC site first, and turns out most of these companies are just taking advantage of people desperate to improve their scores. Best tip I got was to dispute errors myself directly with the credit bureaus—it's free and surprisingly easy. Curious if anyone else has found legit ways to boost their credit without getting ripped off?
Disputing errors directly is solid advice, but don't overlook reputable credit counseling services. A client of mine used one (non-profit, accredited) and saw steady improvement—not overnight miracles, but definitely legit and helpful in the long run. Worth considering if DIY feels overwhelming.
