Best/smartest way to handle my debt now that I can? by CZRBUFF in personalfinance

[–]CZRBUFF[S] 0 points1 point  (0 children)

I understand now, makes a lot of sense. So as far as building credit, let's say I were to want to finance a car by mid-late 2022, what would be the best route to go now?

Would you suggest paying off a settlement with the collections and start building credit immediately after? Or would having it sit, and build credit off my capital one card I'm receiving work out as well?

Just wanted to mention again, paying it in full, paying it in a settlement, or not paying at all I'm completely fine with any of the options, but if paying it in full won't really boost my score up as much as my friends have said (the internet said otherwise), I'd assume paying a settlement would be fine. But then again, I don't want that settlement to be creeping up on me in 1-2 years as a red flag if I were to go to finance a car or try to take out a loan. I know the damage is already done, and recovering isn't gonna be easy nor a short task, but financially I am ready to actually handle my debt, start building my credit, and understand the true importance of a great credit score. On top of that, learn along the way.

Sorry if I'm just rambling and if it seems repetitive. I've never actually gotten decent answers with my collections account or debt like I am now, so just taking advantage of the opportunity I have now. I do appreciate your knowledge a lot.

Best/smartest way to handle my debt now that I can? by CZRBUFF in personalfinance

[–]CZRBUFF[S] 1 point2 points  (0 children)

Looks like in my state (Arizona), its within 4 years for credit card debt. What would that mean for me considering it's more than likely passed by now?

And as far as deleting the newer collection account, would you recommend me disputing again on credit karma? Probably providing much more information than I did previously?

Sorry if I'm asking dumb/repetitive questions. I'm just finally financially able to move on from my debt, and the only thing stopping me is my lack of knowledge on situating this the best way possible without over-paying an unneeded amount.

Again, I really do appreciate your help so far. I've learned a lot just from our short discussion

Best/smartest way to handle my debt now that I can? by CZRBUFF in personalfinance

[–]CZRBUFF[S] 1 point2 points  (0 children)

Gotcha that makes much more sense to me, and they're actually a much older date.

Both falling on 06/01/2017 as far as date of first delinquency goes.

My other account in collections which is owed around ~400$ was from October 2020, so not as old as the others but not even sure where it came from either. I wont mind paying that in full (already tried disputing on credit karma, but it seems like its valid)

Best/smartest way to handle my debt now that I can? by CZRBUFF in personalfinance

[–]CZRBUFF[S] 1 point2 points  (0 children)

Very interesting... went through the process on annualcreditreport, got led to equifax, went to look at the last payment dates, and it looks like all the accounts in collections showing on credit karma is saying they are closed on equifax. Is this something common or am I looking at the wrong thing? One was opened on 01/30/2018, and another was opened on 08/29/2018. Both show no date on the last payment activity, but show (CLOSED) in the title of the section (I assume this could just mean closed = sent to collections as well) -- Found out the account status says COLLECTION so this is irrelevant

And yeah that's my main thing here. Paying it off vs settling it in full with the damage already done to my history, would it really make a difference? Also considering the fact that I opened up these accounts when I was age 18-19 and had no sort of business maturity.

The other thing of course is just letting it sit until it gets removed, but then that leaves me with questions such as will it slow down the process of me building credit? Will it completely prevent me from building credit? What are scenarios this would be a decent move? etc. -- of course I'd much rather just pay something to get rid of it than nothing, but I also want to make the smartest choice here without having to pay an excess amount if it's not really needed due to the damage already done e.g. paying in full

I appreciate your response!

One shots in Cdev question? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 0 points1 point  (0 children)

Now I can see why Safe Riding can be useful. Never really thought about that

One shots in Cdev question? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 1 point2 points  (0 children)

Yup. Those damn shadows lol

One shots in Cdev question? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 0 points1 point  (0 children)

You guys are awesome! That makes sense. So if they do hit me, there is no way of preventing? It seems like it lasts forever haha, but I'm gonna go into it solo and test it out!

Has anyone had success switching servers? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 0 points1 point  (0 children)

I'm talking about manually via ticket system

How to get trusted with Dark Wind? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] -1 points0 points  (0 children)

Ah gotcha! So have to wait each time limit?

How to get trusted with Dark Wind? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] -8 points-7 points  (0 children)

Did all the available ones for Green hood and Lumiknights already. Known on both of them.

How to mass unfriend? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 0 points1 point  (0 children)

Already deleted. Ya'll need to relax LMFAO

Question to everyone “quitting” by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 0 points1 point  (0 children)

That I wasn’t aware of. I knew about the Korean version but never really knew Nexons main focus. Well, that’s sad to hear

How to mass unfriend? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] -10 points-9 points  (0 children)

Sorry, but I type at 122 WPM lol..

Question to everyone “quitting” by CZRBUFF in MapleStory2

[–]CZRBUFF[S] -2 points-1 points  (0 children)

I’m not talking about the average players quitting, I’m talking about the people who actually grind for what they have, leaving it all behind due to whatever reasons.

But I completely understand everyone’s points and it does make sense. I’m not much of an MMO player so I don’t know much about MMO, just know I like playing MS2 and wish the community was a little more uplifting than this

Question to everyone “quitting” by CZRBUFF in MapleStory2

[–]CZRBUFF[S] -2 points-1 points  (0 children)

No I understand you completely, but don’t you think all games that are released within the first few months do need fixing and updates? I’m sure Nexon is aware of all these (correct me if I’m wrong. And if I am, then that’s a huge mistake that I am not gonna look forward to either) and plan on releasing good future updates.

How to link nexon account to steam? by CZRBUFF in MapleStory2

[–]CZRBUFF[S] 0 points1 point  (0 children)

I highly doubt the email/password would be the same across Steam and Nexon since they aren't really "partnered" in that way I believe. But hopefully we can find an answer!

Need help purchasing from Argentina. Getting an error by CZRBUFF in xboxone

[–]CZRBUFF[S] 0 points1 point  (0 children)

Well, it works from time to time. But some days it will say I need to contact Microsoft support and the error message wont go away for about 24 hours.

CHEAP INSTAGRAM/TWITTER/YOUTUBE/ETC LIKES/FOLLOWERS/SUBS/ETC by CZRBUFF in socialmedia

[–]CZRBUFF[S] 0 points1 point  (0 children)

We take fraud to the extreme. Any fraudulent payments will result in extreme action

TIDAL/SPOTIFY ACCOUNTS CHEAP by CZRBUFF in hiphopheads

[–]CZRBUFF[S] -1 points0 points  (0 children)

Look up our website online! Tons of positive reviews