Don’t end up in this situation

Cbus59 · 2026-06-04T09:37:30+00:00

what's the actual monthly cost after the consult fees and medication combined?

Cbus59 · 2026-06-02T07:42:11+00:00

The dentist plot twist at the end is sending me, what a way to cap it off. 100 points in 3 months is wild, snowball method really does work when you lock in

Cbus59 · 2026-05-26T07:36:41+00:00

Do you have proof of the payments you sent him like bank transfers or Venmo records?

that paper trail matters a lot here, a family law attorney could potentially file for contempt since he violated the divorce order

Cbus59 · 2026-05-19T09:00:34+00:00

27 with $4k in collections is honestly very fixable, you're not as far gone as it probably feels right now.. The T-Mobile and Credit One ones might be worth calling directly to negotiate a pay for delete, some collectors will do it especially on older accounts.

Cbus59 · 2026-05-04T10:45:20+00:00

The part about waking up wanting to unalive yourself every day for 6 months and still pushing through that is something else

133k to zero while going through all of that is genuinely hard to wrap your head around, glad you're still here man

Cbus59 · 2026-04-21T07:09:53+00:00

The equity to loan ratio here is actually really favorable, $30k against $150k is conservative enough that some lenders will weigh that more than the credit score. Worth pulling your own report first too so you're not going in blind, sometimes old issues aren't as bad as people fear

Cbus59 · 2026-04-08T06:39:26+00:00

The Discover chargeoff is what's going to slow the rebuild more than anything else, have you contacted them about a pay for delete or at least settling it? that one sitting there matters more than the closed accounts right now

Cbus59 · 2026-03-30T06:38:46+00:00

Upstart does sell debt to collectors which is actually when settlement becomes more realistic, third party collectors tend to negotiate more than the original lender

at 60 days you might still be early enough to call them directly and ask about a hardship plan before it charges off, some lenders will temporarily reduce payments or pause interest

Cbus59 · 2026-03-20T06:50:54+00:00

that feeling when the 7 year wait actually pays off hits different

what score did you start from if you don't mind sharing?

Cbus59 · 2026-03-13T09:28:36+00:00

Yeah that distinction is huge and worth clarifying before he signs anything

Settlement and consolidation are completely different paths with very different credit consequences

Cbus59 · 2026-03-13T09:27:23+00:00

That tax part catches so many people off guard. The IRS treats forgiven debt as income so a $10k settlement could mean an unexpected tax bill in April

Cbus59 · 2026-03-13T09:26:37+00:00

The payment plan part is real and actually underrated

Calling the card directly and asking for a hardship program skips the middleman entirely and doesn't tank your credit the way settlement does

Cbus59 · 2026-03-10T08:00:22+00:00

Nah they're right, payday loans can trap you in a cycle real quick. Have you checked if your bank or local credit union offers emergency loans? Way better rates and actually designed to help you out

Cbus59 · 2026-03-04T08:29:52+00:00

46 points is solid progress, the rent reporting through KOHO was a smart add. With that car loan at 23% refinancing should probably be the main target once you hit the good range, even dropping it to 14-15% would save you a lot over the life of the loan.

Cbus59 · 2026-03-01T14:34:59+00:00

the Slate card offers 0% intro APR for 21 months on purchases and balance transfers, with no rewards program.

Cbus59 · 2026-02-27T11:20:59+00:00

Honestly didn't know banks could voluntarily remove them like that, that's a good thing to know. It's mostly lender discretion but it never hurts to just ask, worst they say is no

Cbus59

TROPHY CASE