Paid $89 for a credit repair webinar and got nothing but generic advice

I signed up for this online course from a guy who promised to show me how to remove late payments myself. Spent $89 and three evenings watching videos that basically said 'dispute everything and hope it sticks.' No templates, no legal citations, nothing I couldn't find for free on Reddit. Has anyone else wasted money on these so-called credit experts, or did I just pick a bad one?

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