Paid $300 for a 'credit sweep' service that did nothing
I saw an ad for a company called Fresh Start Credit Solutions that promised to remove bad marks from my report in 90 days so I could qualify for a home loan. I gave them $300 upfront (which was a mistake) and they just sent a few generic dispute letters that got rejected. My score only went up 5 points after four months, which is basically nothing. Has anyone actually had a good result from paying for help like this, or is it always better to just do the disputes yourself for free?