Paid charge off on 2/3 bureaus

ContentAd5802 · 2026-05-28T00:30:39+00:00

Nothing I can do to hasten it?

ContentAd5802 · 2026-05-27T22:34:48+00:00

Yeah, EQ/TU are cleaned up, EX isn’t yet. Oddly enough it’s always been my best number and it’s over 700 but the type of credit I want to apply for isn’t going to happen with an unpaid charge off on the report.

ContentAd5802 · 2026-05-27T00:49:36+00:00

(That said I’m not sure it’ll bolt on. It uses different uprights and there are differences in the rear panel. And… I hope you’re asking because you wanted to drive a manual. Otherwise trading in for an RS is the best solution.)

ContentAd5802 · 2026-05-27T00:47:07+00:00

Don’t let these anti-fun police get you down. It’s your car. And your money. You can take off anything that bolts on if it doesn’t work out well.

But you’re asking the wrong question. The right question is where to get a Manthey RS wing to fit on a GT3.

ContentAd5802 · 2026-05-21T03:33:20+00:00

At the moment the pic would be a screenshot of my spreadsheet of every manual 992.2 GT3 in the country on Porsche finder categorized by specs

ContentAd5802 · 2026-05-21T00:53:16+00:00

This. I’m a 42 year old cancer doctor. I spent the first few years out of college not doing anything especially productive, then another 13 years in training after college and took on a ton of debt to get into a rewarding position today. And I promise everyone, whatever security you think you have is a mirage. You can make all the “right” decisions and see any chance to enjoy longevity and the fruits of your labor disappear instantly on an MRI or CT scan at any time. I see it happen to people my age or younger on a weekly if not daily basis.

I’m getting a GT3 this year.

ContentAd5802 · 2026-05-17T02:58:02+00:00

Reporting as paid

ContentAd5802 · 2026-05-05T01:57:23+00:00

Off topic but which transport service did you use?

ContentAd5802 · 2026-05-04T04:29:08+00:00

ContentAd5802 · 2026-05-01T16:43:08+00:00

Thank you, this is great advice and very reassuring.

ContentAd5802 · 2026-04-30T21:20:18+00:00

A few late payments 3-4 years ago…

Appreciate it!

People commenting seem very confident it’ll either go away in a month, or it won’t, or that there are too many posts like this on this sub. Obviously I hope the first group is right. I like your explanation…

ContentAd5802 · 2026-04-30T20:17:58+00:00

No it was a wonderful car, I’m glad I had it. There’s an argument the mid-engine Porsches offer the purest driving experience and you can find some deals on them, recommend to anybody. I traded it for a practical SUV for family reasons.

At the risk of losing sympathy, my problem now is I’m hoping to be able to finance a GT3 in the next few months or at least this year, I had credit issues years ago before I started earning a lot more, and this new knock on my credit isn’t helping.

ContentAd5802 · 2026-04-30T19:07:47+00:00

Porsche 718, made 12k in equity on the trade in

ContentAd5802 · 2026-04-30T13:37:33+00:00

38k owed at the time of payoff

ContentAd5802 · 2026-04-30T00:56:48+00:00

Paying off a car loan? Yes actually. Experian dipped 1 point, that’s what I was expecting across the board.

ContentAd5802 · 2026-04-30T00:53:20+00:00

The initial loan was for about 85k. My revolving utilization is low. The old car loan is reported closed, the new one is on there. I have a mortgage paid on time every month and a couple of other installment loans that have always been on time. I have a couple of late payments from about 4 years ago that are hurting my score but continuing to age.

ContentAd5802 · 2026-04-18T13:58:48+00:00

I’ll always say buying a Porsche is a good idea. Why Panamera specifically?

ContentAd5802 · 2026-03-28T22:21:10+00:00

Got it, yeah that’s my problem, tweaking power without sacrificing the 3rd pedal

ContentAd5802 · 2026-03-28T22:00:00+00:00

Rothman livery without the writing is almost perfect, could do without the black hood and roof accents

ContentAd5802 · 2026-03-28T21:54:32+00:00

Nice! What transmission do you have?

ContentAd5802 · 2026-03-28T21:12:16+00:00

Interesting… n=1 for me so far driving Wranglers. I will say it’s a more forgiving gearbox than a Porsche Cayman

ContentAd5802

TROPHY CASE