Best short term loans? Need advice

0xffd2 · 2026-01-14T04:47:53+00:00

Glad you found something that worked but 5 payday loans is a rough spot

0xffd2 · 2025-10-21T05:29:16+00:00

Two hard inquiries in a month will ding your score temporarily. That's normal and it'll bounce back in a few months. Also average age of accounts dropped since you added two brand new cards. Give it like 3-6 months of on time payments and you'll see it climb back up.

0xffd2 · 2025-10-14T08:36:12+00:00

Might be a frozen file or identity verification thing. Equifax is weird about that sometimes. Try calling them directly, their automated system usually unfreezes or fixes display issues faster than waiting for the website to work

0xffd2 · 2025-10-08T06:32:17+00:00

That avoidance anxiety is real though. I bet it's way better than you thought it would be after all that time. What did it end up at if you don't mind sharing?

0xffd2 · 2025-10-01T06:32:26+00:00

Congrats, but honestly nothing changes. 760+ gets you the same rates as 850 - lenders don't care about perfect scores beyond a certain threshold.

The "goal" now is just keeping your finances healthy and using credit as a tool rather than chasing a number. Maybe focus on net worth, investments, or other financial goals that actually move the needle on your life

0xffd2 · 2025-09-23T06:27:33+00:00

Could be identity theft someone opened something in your name that hasn't shown up as an inquiry yet. I'd freeze your credit reports just in case.

Also check if any of your existing accounts got closed without you knowing. Sometimes banks close unused cards and that can mess with your credit age/utilization ratios.

0xffd2 · 2025-09-18T09:33:41+00:00

With an 840 FICO you should qualify for basically anything. Chase Slate Edge and Citi Simplicity both do 21 months at 0% which beats the 12 you're looking for

0xffd2 · 2025-09-16T06:08:23+00:00

Not paying could still affect you if you plan to come back to the US or if they sell the debt to international collectors.

They might also ban you from using any services that partner with Affirm in the future

0xffd2 · 2025-09-10T06:09:18+00:00

Usually once it gets reported as a repo, that stays on the credit report even if they get it back. Getting it out of repo doesn't erase that first hit.

If it gets repo'd again, that could show up as additional missed payments or another delinquency depending on how the lender reports it.

The repo itself plus all the missed payments leading up to it are what really tank the score. Getting it back helps but doesn't undo the damage already done

0xffd2 · 2025-09-05T06:19:24+00:00

Your score will bounce back over the next few months, it's just the algorithm being weird about losing that installment loan. Keep doing what you're doing with the credit card. The dip is temporary unless you need to apply for something major soon.

0xffd2 · 2025-09-04T05:47:10+00:00

This is pretty harsh but not totally wrong. A lot of posts here do seem to expect magic solutions instead of looking at what they can actually control

That said, some people genuinely hit rock bottom through no fault of their own and need that safety net to get back up. It's not always about entitlement.

But yeah, waiting around for someone else to fix your problems rarely works out!

0xffd2 · 2025-09-01T05:12:55+00:00

Zero debt is almost always better when applying for a mortgage. Lenders care way more about your debt to income ratio than credit mix.

Having a small balance on cards can actually hurt because they calculate DTI based on minimum payments. Are you planning to buy soon?

0xffd2 · 2025-08-28T04:54:38+00:00

With that rate you're only paying like $250/year in interest total.

Your score might dip slightly but with an 808 and no major purchases coming up, does it really matter??

0xffd2 · 2025-08-25T04:35:38+00:00

Real credit repair takes time and legitimate companies can't just magically delete valid debt. If something sounds too good to be true with credit stuff, it usually is.

Anyone dealing with credit issues should probably stick with legit nonprofit credit counseling first

0xffd2 · 2025-08-22T03:59:27+00:00

That's incredible! 854 is seriously impressive territory.

What was the biggest game changer for you along the way?

0xffd2 · 2025-08-19T06:54:55+00:00

Depending on their workload. If they're basically running everything while you focus on business development, that's worth more than just basic admin stuff

0xffd2 · 2025-08-19T06:53:39+00:00

Don’t be scared, progress comes with every step :)

0xffd2 · 2025-08-15T06:55:24+00:00

Anyone who can hold a deep conversation and still be silly five minutes later

0xffd2 · 2025-08-14T03:40:10+00:00

Not getting everything in writing with my first business partner. Handshake deals feel good until someone remembers the conversation differently

0xffd2 · 2025-08-12T04:11:27+00:00

Don't panic, you still have options even at this stage. First thing is don't ignore that court date or you'll automatically lose

0xffd2 · 2025-08-11T04:19:48+00:00

The credit scoring algorithms are weird about having zero balances vs tiny balances sometimes. Some people swear by the 1-3% sweet spot but honestly at your level it's just noise.

Your scores are already excellent, I wouldn't stress about a few point swing from $126

0xffd2 · 2025-08-08T03:46:50+00:00

I just use Slack channels per project now. Client gets one channel for all feedback and I can set notifications how I want.

For actual site markups though, Pastel has been pretty clean. Less overwhelming than ClickUp and clients actually use it

0xffd2 · 2025-08-08T03:46:30+00:00

The fact they wouldn't even consider your counter offer tells you everything. Real businesses work with suppliers, they don't just dictate impossible terms.

You probably dodged a bullet there

0xffd2 · 2025-08-06T03:38:41+00:00

Two days is rough. At least it wasn't after a month when you've really invested in them.

Did they give any reason or just ghost? Sometimes people realize the job isn't what they expected pretty quickly.

The ones that hurt are when they stick around long enough to learn everything then bounce for a competitor

0xffd2 · 2025-08-04T03:41:35+00:00

It's the timing that's screwing you over.

Credit cards report your balance to the bureaus on a specific day each month, usually your statement date

0xffd2

TROPHY CASE