524 Contributions 21,877 People Helped Top Contributor

Member Since: March 2016

About Me: I am a regular guy from Miami Florida and like most regular people I've had my good and bad moments, ups and downs. I'm here to share my expertise, advice and maybe even answer some questions.
I believe in transparency and honesty and also have a twisted sense of humor.
I hold 2 degrees, one in mass communication with a minor in copy and another in business development.
I am a retired consultant and expert in development.
I came to credit karma when my credit was taken hostage by fraudulent users. I never cared for it much, and was cash and debit based for most things.
I got taken advantage off by a sweet old lady, who robbed me. I learned how to fix my errors and dedicated myself to advocating the same for others. I like.the articles on here and like reading comments and adding my own. I only use CK to monitor vantage, because I have a busy life. Credit Karma may not be the best thing since sliced bread, but it's as great as lava lamp and I recommend it to all.

I'm here to share and help out, and I don't even mind the trolls who insult me, this I life.

My Website:

Most Helpful Contribution


Feb 10, 2018
Most charge up front...
Helpful to 321 out of 657 people

They do this by calling it anything but what it really is. Charging up front is illegal under the law. The premise is simple service; theybworknfor you, to remove items from your files with methods that have worked for them before.

Anyone can learn, I own a company myself, and I give out peoples rights, all companies are supposed to do this. We don't charge upfront or out back, we don't lie. Check it out for yourself, many do it for a lot of money, some just take your money, and others actually comply with the laws and charge you less than a phone bill monthly. Clean Slate Credit org,.

Do your homework, do not pay anyone up front for anything.

Hope it helps you out.

Activity (524 Total Contributions)

Results 1-10 of 524Results per page: 5 | 10 | 25Page 1 of 53   Previous | Next

I never had a loan but never had a mortgage why does it show I do

Jan 23, 2019
Helpful to 26 out of 26 people

Call up the bureau and dispute it. It's usually a mixed file issue. Have then fix it up. Takes a good 72 hours. Shazam!!!!

Popular firms to use for fixing my credit report

Jun 29, 2019
Credit repair advocates...
Helpful to 25 out of 25 people

With a sense of humor not a sense of urgency.
Visit CLEANSLATECREDIT. org and learn your rights. Learn what can and can't be done. What is real and what is hyperbolic euphemistic language.
Get free letters, DIY dispute codes and assistance if needed.

Don't cost nothin' to learn dude

any free assistance for credit repair

Jun 29, 2019
Advocacy with a sense of humor...
Helpful to 23 out of 23 people

Not a sense of urgency!

Visit cleanslatecredit. org and learn your rights and all the wrongs. Get free letters. Do things yourself whenever possible. Don't get shafted or wazoo blasted.

Hi, it is showing my credit score as N/A. How do i update that?

Jun 29, 2019
Helpful to 23 out of 23 people

You see that when you have no credit. You will also see wording like NO DATA.

Get some accounts, start building your credit history. Learn your rights at cleanslatecredit. org

Don't pay for free information. Do things yourself whenever possible.

Will medical Bill's in collection affect me getting a home loan?

Jun 29, 2019
Helpful to 22 out of 22 people

All derogatory/defaulted items will. If you disagree with it or have some data on it, dispute it with the CRA listing it.

Learn your rights at cleanslatecredit. org

Get free information and letters. Don't pay for free stuff.

I need help finding out if I have identity theft

Feb 02, 2019
Helpful to 22 out of 22 people

Check your credit reports. If you see things that are suspicious then call up the credit bureaus or CRA's and freeze your files.

How to fix/repair my credit on my own?

Jun 29, 2019
Helpful to 31 out of 32 people

Why would you think of giving anyone on a forum access to your SSN??! Don't do that without a contract at least. All these so called hackers as scam artists.
Learn your rights at cleanslatecredit. org for Pete's sake.

Need help repairing my credit

Jun 29, 2019
Helpful to 21 out of 21 people

Visit cleanslatecredit. Org and learn your rights. Don't pay for letters or free info.
This is a public forum. Tread carefully with personal info up in this place.

Collection included in Bankruptcy still shows open

Jun 29, 2019
Helpful to 21 out of 21 people

Learn your rights dude. Visit cleanslatecredit. org don't get shafted or wazoo blasted

why can't i get my full credit report on credit karma?

Jun 29, 2019
Helpful to 21 out of 21 people

Credit karma is a tool at best (it's really a platform that provides you with a useless score in hopes up selling you products which they earn commission on. But let's pretend we don't know that).
Visit: annualcreditreport. com and pull your free reports. Don't pay anyone to interpret it for you. Interpret it yourself.
Get free letters at cleanslatecredit. org learn your rights.

Results 1-10 of 524Results per page: 5 | 10 | 25Page 1 of 53   Previous | Next