I had a lot of financial trouble when I was younger and at its lowest my score was atriums 495. I had a bankruptcy that fell off in 2021, and I was finally able to get my score above 600. At the beginning of those year I was sitting around 630. I had $13k in cc debt and around $15k in personal loan debt. Card utilization was around 80-90%. I was blessed to receive a big promotion and significant bonus this year that allowed me to tackle around half of my credit card debt. I now have about 45% left with plans to have all cards paid off by the end of the year. I have a 100% on time payment hist ..read more

I currently have 3 collections on my account I want to get rid of, I’m liable. I fell behind during the Covid pandemic. Here are the 3 balances $385 was 785 been making payments. $633 was 500 over 133 in fees. $811 this was a 500 credit limit. Over 300 in fees. 1,829 in collections. How should proceed? Should I call and try to settle for less? I really don’t want to harm myself by reaching out to debt collectors. These accounts are from 2019/2020. I have two credit cards currently and they’re all in good standing. Never late, always pay my balance in full. submitted by /u/Bro_suss [visit red ..read more

Hello guys , I am on my road to rebuilding my credit card , i am on around 734, but only have kohls card for 800$ and another credit card for 400$ . I was young and made some dumb mistakes and everything has now fallen off my report. I do have 6 hard pulls and plan not to do any more hard pulling . Now my questions is . Do i have to use the credit card in order for other card companies to see "movement" and payments on time? See i tried to pre approve but most wont give me a chance and one for these reasons : INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR NOT ENOUGH AVAILABLE CREDIT INSUFFI ..read more

I started out my credit journey in 2021 after I got my first job. I got two in store cards through comenity bank, a Victoria secret and a Sephora card. The second to last card I got was my Discover student card when I was in college and I had also gotten an Ulta card as well. My credit was in the high 600'S almost 720’s but I also had a car loan for my first car; I had a total limit of 2,150 for my CCU. Everything was great but then I was friends with this one chick and (never let anyone use your card and if they do make sure they pay you back) she screwed up everything and I ended up with a ..read more

hit a wall with my capital one credit. i have usually kept up but i have 3300$ on my card and cant make payments. i missed the last 2 and set up a payment plan but now i cant even pay that since my band is on tour for a month. i get home mid may and will be back to work right away and will have a side job. but im stuck now and wondering what the best plan is to do next since ive had them calling the last 2 months and cant make this next payment and am also out of country and dont have money coming in to make things better. i have an apple card that has smaller payments so i was able to stay o ..read more

I know it’s a dumb question, but is this a good idea? I am working on my credit, and have made some improvements. I have a couple of collections that are holding me down though. I have negotiated with one for deleting and am making payments. The other one I haven’t talked to but I’m sure I could negotiate for under $1000 for deleting. Do you think it’s a good idea to get a personal loan to pay off both? I’d like to have them off my credit sooner rather than later. submitted by /u/MingMing2341 [visit reddit] [comments ..read more

I know it’s dumb but I see multiple people on instagram claiming they got rich off credit, is this fax? submitted by /u/LegitimateWhereas338 [visit reddit] [comments ..read more

I got a collection removed and haven’t seen a score increase even after it was reported to the bureaus. How long after does it usually take for a score to change? submitted by /u/jreal10001 [visit reddit] [comments ..read more

Say I’m added as an AU to someone’s card who hasn’t missed any payments on this specific card I’m being added to. But has missed payments on different cards recently. Will them missing payments on those different cards negatively affect my score even if I’m not an AU on those specific ones? submitted by /u/JulienRay [visit reddit] [comments ..read more

My credit score is currently 486 (TransUnion) After some traumatic life events that left me in a terrible financial state about 6 years ago I’ve finally paid off or settled over $6000.00 in collections debt. I did not declare bankruptcy, I either paid what I owed entirely except on two bigger bills they settled with me for about 60%. I am now doing much better financially thanks to my job, driving a shitty car that I paid cash for and miraculously finding an affordable apartment. My total monthly expenses (rent, groceries, car insurance, internet, electricity, cell phone and fuel) is about $1 ..read more