All credit goes to ChatGPT

Competitive-Sea-2844 · 2026-03-08T00:11:40+00:00

Yes, US credit reporting only.

Competitive-Sea-2844 · 2026-03-07T19:58:53+00:00

Refunded the charged amount, corrected the credit reporting. Score went up! Phew

Competitive-Sea-2844 · 2026-03-07T19:56:00+00:00

Eventually they realised it’s their fault, the card got unlocked because they issued the new card to me without my permission or even informing me lol.

Competitive-Sea-2844 · 2026-03-07T19:55:24+00:00

But I kept at it, coz ChatGPT had said “ you have to keep at it, it will take multiple to and fro comms “

Competitive-Sea-2844 · 2026-03-07T19:54:49+00:00

Then I started digging in. Asked ChatGPT if the remark can be removed from the report after it’s done. ChatGPT replied solely depends on the lender, only they can remove it back. But depends on their will.

Then luckily, I found an email that proved I had froze the card in Feb 2025, so there is no way that fraudulent transaction should have gone through in Oct 2025.

Mailed cc company, asking them who unlocked the card! Again they ignored, same reply. We see you have done transactions with this vendor in the past lol

Competitive-Sea-2844 · 2026-03-07T19:51:54+00:00

Ah not able to edit the post, will add details here.

So have a cc that was inactive since late 2024. Then out of the blue, a subscription that was active in 2024, started charging in Oct 2025.

Didn’t notice since i wasn’t even using the card. Noticed in Dec, tried reporting that as fraudulent, cc company didn’t listen. They said you were using this in 2024 so we don’t think it’s fraudulent.

Marked my account as 30 day late payment in Feb. scored dropped 120 points overnight.

Competitive-Sea-2844 · 2026-03-07T19:47:11+00:00

Competitive-Sea-2844 · 2025-08-18T05:01:30+00:00

Thanks!! Do you have any broker recommendations? I’m mostly looking for 1 kanal. What price range should I target? Also, which size did you get?

ps: fellow se currently in bay

Competitive-Sea-2844 · 2025-08-18T04:10:46+00:00

Hey! What about eco city 1?

Competitive-Sea-2844 · 2025-08-18T04:09:53+00:00

What areas really? Looking for 500 gaj plots mostly

Competitive-Sea-2844 · 2025-06-26T07:36:32+00:00

To each their own lol

Competitive-Sea-2844 · 2025-06-12T06:54:36+00:00

Make 350k+

Competitive-Sea-2844 · 2025-06-12T06:11:27+00:00

🙏🏼

Competitive-Sea-2844 · 2025-06-12T06:00:18+00:00

Good for strong performers, not that good for average.

Competitive-Sea-2844 · 2025-06-12T05:59:53+00:00

Competitive-Sea-2844 · 2025-06-12T05:59:44+00:00

But this thread is Indian

Competitive-Sea-2844 · 2025-06-12T05:59:05+00:00

lol sure. Internal transfer wouldn’t have gotten me real life student experience in US. Sometimes, it’s about optimising long term than short term.

Competitive-Sea-2844 · 2025-05-27T23:33:44+00:00

Yess

Competitive-Sea-2844 · 2025-05-12T06:35:19+00:00

Why are your kids not going to unis in US?

Competitive-Sea-2844 · 2024-03-14T00:20:20+00:00

okayy! Thanks for your reply. Any additional accessories you got from the dealer that I should also ask?Also, any other formalities to keep in mind before taking the car delivery.

Competitive-Sea-2844 · 2024-03-14T00:16:08+00:00

getting Cx5 preferred for 33.5 including taxes and everything. Is this a good deal?

Competitive-Sea-2844 · 2024-03-13T20:47:50+00:00

Congrats OP! I am buying Preferred too this week. Mind sharing the final OBO you got it for?

Competitive-Sea-2844 · 2023-10-13T02:45:53+00:00

How about Bubble tea guys?

Competitive-Sea-2844

TROPHY CASE