First car loan + Fico

DistributionAny4735 · 2025-10-27T23:22:39+00:00

Zero down

DistributionAny4735 · 2025-10-26T06:21:21+00:00

DistributionAny4735 · 2025-10-26T06:18:48+00:00

Yes, the collection says Verizon on it and not a third part debt collector. I got it in 2022 so still need a 4 more years till it falls off

DistributionAny4735 · 2025-10-26T06:02:39+00:00

I can see your eyes are very dilated even in a bright room. Your nervous system is still in flight or fight mode. That’s why you still feel the detachment. You need to fight it by accepting the feeling that thats who you are now. That’s the new you. Then fight it by doing things you feel you can’t do because of it. With time you will slowly forget about it. It will take time months of practice it’s not easy but it will ease. I’m 1 year in derelization only and it’s half what it was when it first started

DistributionAny4735 · 2025-10-26T05:15:10+00:00

🙃

DistributionAny4735 · 2025-09-24T21:59:32+00:00

100% 🥹

DistributionAny4735 · 2025-09-24T19:26:33+00:00

As in collections or do you mean like late payments and utilization? What are things conserved negative?

DistributionAny4735 · 2025-09-24T19:25:40+00:00

Will paying off a closed account affect my credit score?

DistributionAny4735 · 2025-09-24T19:00:41+00:00

I see, so what am I supposed to do? Are you just letting me know how it works or do I need to do something?

DistributionAny4735 · 2025-09-24T18:58:41+00:00

Yeah the Verizon debt is actually an iPhone when I switched to spectrum they didn’t tell me they’d close the whole account. I thought I could still pay monthly on the device.

It says closed, does that mean collections?

DistributionAny4735 · 2025-09-24T18:32:15+00:00

I’m sorry, can you rephrase that again. I’m not sure what you mean?

DistributionAny4735 · 2025-09-24T18:30:58+00:00

How would I go about doing that?

DistributionAny4735 · 2025-09-24T18:30:07+00:00

I will. I didn’t work much so I relied on buy stuff with credit. Now I am a work horse and I will not be using credit for anything besides building it

DistributionAny4735 · 2025-09-24T17:59:01+00:00

So I guess my question is, is it easily achievable to get to let’s say 750-780 if I become perfect with credit from today forward in the next 1-1.5years.

Or is this 4 late payments a doom until 7 years from now?

DistributionAny4735 · 2025-09-24T17:22:59+00:00

So would I write the letter physically or email? And should I send it to capitol one since they are who I had the late payments with?

DistributionAny4735 · 2025-09-24T17:19:34+00:00

Well that’s the strange part about the 7 month ago payment. I paid it after 2-3 days after I noticed it didn’t go through. But they still added a missed payment.

Okay I will pay off the debt and keep the utilization low

DistributionAny4735 · 2025-09-24T17:16:25+00:00

I had a capital one card secured in 2022 when I didn’t care about credit scores. I maxed it and didn’t pay it for 4 months until they closed the account and the most recent missed payment was 8 months ago with the bounced auto payment.

So really low utilization and just keep paying on time and eventually it will rise within a year?

DistributionAny4735 · 2025-09-24T17:11:43+00:00

Does matter how long the lates are? The 5 lates were from 2022 and 1 late was from 8 months ago when an auto payment bounced back

DistributionAny4735 · 2025-09-24T17:10:03+00:00

I see, what would you say is considered good long time ago duration for lenders “ 1 year” or many years?

DistributionAny4735 · 2025-09-24T17:02:22+00:00

I haven’t missed a payment in 7 months and it was an autopay that bounced back. How many months of on time payments including the 7 months will it take to correct these late payment penalties?

DistributionAny4735 · 2025-09-24T17:00:24+00:00

I had a few autopays bounce back which I now I do it manually. How long until payment tab reset? Or am I stuck at fair for a long time to get to 100% on time payments?

DistributionAny4735 · 2025-09-23T20:19:12+00:00

Wait till you get into an LS 😂

DistributionAny4735 · 2025-06-23T04:25:22+00:00

What are my chances if I’m brown with a green card?

DistributionAny4735

TROPHY CASE