500 Contributions 21,088 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 298 out of 632 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 (500 Total Contributions)

Results 1-10 of 500Results per page: 5 | 10 | 25Page 1 of 50   Previous | Next

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

Jan 23, 2019
Helpful to 20 out of 20 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!!!!

I need help finding out if I have identity theft

Feb 02, 2019
Helpful to 17 out of 17 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.

Transunion score varies from what is displayed vs the true score

Jan 23, 2019
Helpful to 25 out of 26 people

Vantage model sucks. Use it and learn from it. It's garbage.

FICO is the one that matters. The former is a model that culls data from the top 3 indiscriminately to formulate a score.

The latter (FICO) is a custom model generated for each particular acounts. All the difference in the world. That's why it's TRUSTED.

I am seeking credit payoff advice

Feb 08, 2019
Helpful to 16 out of 16 people

Contact a lawyer, no one here is qualified to give legal advice unless they themselves are lawyers.

The justice department has vetted attorneys and you can also contact a national non-profit.

The truth is you need legal advice, this forum is for general queries and information. I've yet to see one person give legal advice.

Is there someone I can talk with about bad credit and how to fix it?

Feb 05, 2019
Helpful to 32 out of 34 people

Bad credit can't be fixed by anything other than paying down debts. If the collections are Inaccurate, then you can dispute them.

You can do things yourself and learn your rights.
Visit: cleanslatecredit. org and whatever you do don't pay for letters.

Popular firms to use for fixing my credit report

Jun 29, 2019
Credit repair advocates...
Helpful to 15 out of 15 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

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

Jun 29, 2019
Helpful to 14 out of 14 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.

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

Jun 29, 2019
Helpful to 14 out of 14 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.

Is Payoff a recommended debt consolidation company through Credit Karma?

Jun 29, 2019
Helpful to 14 out of 14 people

Visit the dept of Justice vetted counselors. Visit a national non-profit. Visit cleanslatecredit. org and learn your rights.

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

Jun 29, 2019
Helpful to 14 out of 14 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 500Results per page: 5 | 10 | 25Page 1 of 50   Previous | Next