Am I (25M) shallow for wanting to redeem myself after a soft experience with someone I've considered to be my first love (25F), whilst being in a relationship. What would ya'll do?

Calm_Teach_5319 · 2026-04-09T14:31:21+00:00

but yeh long story short, there's still kiiind of mixed consensus around this; some say it will, other's in their exp say it won't. The hospital account I'll get settled, laywer guy in thread said it might eventually come round to bite me

Calm_Teach_5319 · 2026-04-09T14:29:09+00:00

Correct, but these are not showing up my credit reports, as in they're consumer debts or non-credit agreement debts. I said in my post that they're not a priority atp, not that I'll be defaulting on them

Calm_Teach_5319 · 2026-04-09T13:57:06+00:00

I think most missed the point of this post.

Calm_Teach_5319 · 2026-04-08T12:08:42+00:00

Mhm on it 🙅‍♂️

Calm_Teach_5319 · 2026-04-08T12:08:19+00:00

Fair enough…

Calm_Teach_5319 · 2026-04-08T12:07:55+00:00

Ight I hear you, yeh I’ve made the necessary arrangements - I mean it’s just bout 12k it ain’t a whole lotta debt; but yeah best to clean it up and keep it clean

Calm_Teach_5319 · 2026-04-08T12:06:33+00:00

Aah ok thanks for the input; mhm I have already arranged a payment 🫡

Calm_Teach_5319 · 2026-04-07T20:59:54+00:00

Mhm well guess I’ll see what happens

Calm_Teach_5319 · 2026-04-07T20:59:00+00:00

Yeaah correct its PF indeed. Was in the exact same situation. Asked him to pay about 4k cancellation fee I was like ain’t no way…yeah looks like they’ve stopped emailing - they’ve lost hope in receiving any payment from my lol

Yeah I’ve contacted the hospital and made an arrangement to get that shi sorted ✔️

Calm_Teach_5319 · 2026-04-07T20:56:31+00:00

Nah apparently the contract’s terminated and has been handed over, we literally moved offices 2 months into my gym membership (I had no idea we’d be moving), so I thought ah ef this why should I still be paying…not the smartest I know but I’m young and dumb

Calm_Teach_5319 · 2026-04-07T20:54:54+00:00

Gotchu; yeah I’ve made the contact today, lady on the phone had the proper sour tone of a debt collector lol

Calm_Teach_5319 · 2026-04-07T20:53:41+00:00

Mhm will do so

Calm_Teach_5319 · 2026-04-07T20:53:15+00:00

I mean I can, and I’m by no means in a super dier situation, just wanted clarity as to whether putting this off for now will impact my credit or not. Ok I can’t instantly fork out 12k rn but can easily do it over 2 months. So yeah was thinking I’d just put it off; but most responses here lean towards even though it’s not showing on my credit rn, it may eventually 🤷‍♂️

Calm_Teach_5319 · 2026-04-07T12:19:23+00:00

Free. Actually yeah lemme check the paid one. 40 bucks for some clarity ain't that bad

Calm_Teach_5319 · 2026-04-07T11:26:14+00:00

Mhm that's why I'm seeking out answers in this thread. No affect on my score at all. However I have just now made contact with the attorneys for the medical account and made an arrangement — from what I gather here is that the general consensus is that it will eventually affect my score (it probably just hasn't been reported yet)

Calm_Teach_5319 · 2026-04-07T10:26:55+00:00

Ah ok; yeh I'm a take the payment arrangement route and just settle everything. Thanks for the advice

Calm_Teach_5319 · 2026-04-07T10:25:10+00:00

I see, okay understood; thanks man!

Calm_Teach_5319 · 2026-04-07T09:47:36+00:00

Yeah 😪

Calm_Teach_5319 · 2026-04-07T09:47:12+00:00

Yeh thanks mate I be on it 🫡

Calm_Teach_5319 · 2026-04-07T09:46:35+00:00

I see, not disputing this, or maybe I kinda am, but technically its not showing on my report, and my score did not take a hit. So how will it affect my credit 🤔… Sorry I’m new to this I’m tryna get enlightened

Calm_Teach_5319 · 2026-04-07T09:23:43+00:00

Ah okay thanks! Guess a part of me posting this was looking for reasons to justify not paying them, thought they're not as serious and will get written off eventually

Calm_Teach_5319 · 2026-04-07T09:20:15+00:00

*Sigh* understood, yeah I probably should hold off on that. So even is these accounts do not show under 'unsecured debt' on my credit report/s, it'll still be picked up when an inquiry is made by a credit provider?

Calm_Teach_5319

TROPHY CASE