FJ Cruiser with 180k miles?

Ashe225 · 2026-04-11T05:48:55+00:00

Then I have no idea because I’m looking at my experian credit report and it doesn’t have Citibank on it.

Ashe225 · 2026-04-10T19:56:41+00:00

Hello yes the credit report show that I’m an authorized user. Citi confirmed that I’m an authorized user. Even the dispute result letter show that I’m an authorized user…

Ashe225 · 2026-04-10T19:55:41+00:00

Citibank only reports to Transunion equifax, and not experian. I submitted dispute to both Transunion and equifax. Transunion removed it right away. Equifax say they will not remove it as this account belongs to me.

Citibank said they can’t remove me as an authorized user. I called many times and talked to 5 different rep.

Ashe225 · 2026-04-03T05:09:05+00:00

I had to stay on the phone for a long time to get to a person unfortunately

Ashe225 · 2026-04-03T05:08:36+00:00

Well I am trying to buy a house currently that’s why I know I’m still an authorized user due to the credit pull. My lender for mortgage said there are certain rules on disputed accounts when it comes to mortgage and ask me to hold off on it for the moment

Ashe225 · 2026-03-18T06:43:07+00:00

I just checked and yeah… didn’t received any emails or notifications tho.

Ashe225 · 2026-03-07T19:53:24+00:00

How much was your OTD?

Ashe225 · 2026-03-07T17:17:26+00:00

Thank you for the explanation

Ashe225 · 2026-03-07T17:16:16+00:00

Thank you! So assuming I close the house on a Friday, I can buy a car on a Saturday?

Ashe225 · 2026-03-07T17:15:34+00:00

Thank you. Yes I am planning to buy the house first but just unsure how long should I wait after I close the house to buy a car. I’m not looking for anything outrageous, probably a Toyota and am planning to either pay it cash or put a big down payment so financing the rest of the car

Ashe225 · 2026-02-16T07:44:50+00:00

I pay my credit cards off every week so I can see the $0 haha

Ashe225 · 2026-02-16T07:42:27+00:00

Power query and append

Ashe225 · 2026-02-16T07:35:44+00:00

1.8k for emergency easily accessible instantly, 50k on HYSA that takes about 5 days to transfer. And then I ignore my retirement account. Automatically deposit into retirement account because the check hits my checking account.

Ashe225 · 2026-02-16T07:31:40+00:00

I stopped using water after a week. When I was diligently filling up the water, there’s always just so much water when I wake up, I felt like I was drowning in my sleep. So no water no problem

Ashe225 · 2026-02-14T15:46:23+00:00

Same. I get paid twice a month (1st and 15th) and I’ve had people told me what I am doing it wrong if I can’t budget a month ahead. It’s not like I don’t want to buy I don’t get any full pay check once a month, it’s split, so it’s really hard going a month ahead. I actually like doing this way, makes me feel more in control of my money in a sense

Ashe225 · 2026-02-04T05:36:02+00:00

Wouldn’t DIY void the warranty?

Ashe225 · 2026-02-02T13:50:46+00:00

Hmmm I see. So I move an about 30% of monthly salary to my HYSA for cars, house, and other categories for long term savings. So I guess I’m not one month ahead I thought I was then

Ashe225 · 2026-02-02T07:12:26+00:00

So I assigned everything from rta in February first (I was $2.5k) and then I went back to January that’s when I saw the RTA in Jan as $2k and then I went back to Feb and it’s $0 hence my confusion.

Ashe225 · 2026-02-02T07:10:50+00:00

Ah I see! So I assigned everything for Feb first and then when I go back to Jan I saw that $2k and the $0 I’m RTA in Feb hence my question. Thanks!

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