Hey, just wanted to first start off by saying this is a pretty extraordinary forum with an exceptional amount of excellent information, so thank to you all. Attempting to rebuild credit based on poor decisions made a few years ago. Most frustrating part of this all is that USAA is my primary issue – very annoying considering that they’re designed to support active duty and I’ve found them to be incredibly unresponsive. Jan 2018 – began missing payments on a USAA Career Starter loan with a balance of $4753. Long story short, I was supposed to be on autopay for this loan and somehow it was removed (USAA app is miserable in my opinion). I asked repeatedly for them to reinstate my autopay on the phone and even got to the point where I asked them to record my conversations so that I could prove that I had authorized autopay but ultimately the responsibility is on the person, not the company. May 2018 my loan was charged off and closed, reporting the balance. It was never sent to collections based on my CRs. Foolishly, I attempted to dispute the account with Transunion based on active duty circumstances, and my TU score dropped from 685 (Vantage Score 3.0) to 615 because the dispute “reopened” my closed account. I’ve asked USAA to report accurately, but after a month of phone calls and even attempting to pay in full, no change in status. I received a letter from Revco Solutions offering to settle for 50%, which terrifies me because I assume that this will now be reported as a collection. It does not show as a CA account on any of my CRs so far, but I just got the letter. I heard on this forum that CREDIT SPECIALIST is the best company to repair credit score, delete collections and credit card debt, but I was not sure. And I’m very fearful that they’ll just scam me. I still gave them a try. Seems strange my credit score has been raised to 810 across the 3 credit bureaus collections and credit card debt has been deleted across all my report. Big thanks to credit specialist. CREDITSPECIALISTatTUTANOTAdotCOM