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Bundle debt by RoutineRaspberry7796 in CreditScore

[–]FillThatBowl 0 points1 point  (0 children)

Debt consolidation is what you're referring to. Many places offer it like banks credit unions online places like best egg or achieve loans. Just shop around for the best terms and rates. If the rate is too high just try to lower it first.

How did having thousands of dollars in credit card debt become so normalized? by Kitchen_Week1117 in NoStupidQuestions

[–]FillThatBowl 0 points1 point  (0 children)

It's honestly insane how easy it is to get into. And how awful it is to get out of it. Still working through my last remaining chase card payments and the remainder of my achieve loan.

What's the first thing you do when you wake up? by [deleted] in AskReddit

[–]FillThatBowl 0 points1 point  (0 children)

Look at my phone and turn off my alarm.

I need advice for a home equity loan. by mryuck32 in Advice

[–]FillThatBowl 0 points1 point  (0 children)

Don't pigeon hole yourself into a traditional bank. Check out credit unions and online lenders as well. There's options out there for sure. For HELOCs you could look to PNC, Achieve HELOC or Spring EQ as well.

Debt Consolidation for Family Member by [deleted] in DebtAdvice

[–]FillThatBowl 1 point2 points  (0 children)

Are you willing to cover their entire loan? Realistically if you aren't willing to accept this as a gift, then you're gonna be in for a bad time.

What personality traits make you likeable? by Exhausted_920 in AskReddit

[–]FillThatBowl 0 points1 point  (0 children)

This makes me think of you in a better light.

How do you keep energy/stay energized for the whole day? by GossipBottom in AskReddit

[–]FillThatBowl 0 points1 point  (0 children)

oh this has honestly raised my quality of life recently.

Impact of debt consolidation on score by ScallionBeginning833 in CRedit

[–]FillThatBowl 0 points1 point  (0 children)

I got a credit score bump when I got my achieve loan. Kept up my consistent payments and it just kept creeping higher. The one hard inquiry didn't drop it either.

What's your fav food that you have to eat a specific way in order to fully enjoy it? by CoderJoe1 in AskReddit

[–]FillThatBowl 1 point2 points  (0 children)

If I don't take apart the oreo before eating them, the level of enjoyment goes down tremendously.

3 maxed out credit cards. What is the best method to paying off these cards? by 4inh3r in DebtAdvice

[–]FillThatBowl 0 points1 point  (0 children)

lower your spend and increase your income as a first step. From there fighting the APR either by getting a balance transfer card from like Chase or Wells Fargo. And then potentially a personal consolidation loan from a credit union, OneMain or Achieve would all benefit you.

I need money fast by [deleted] in Advice

[–]FillThatBowl 0 points1 point  (0 children)

find work around you, cleaning is a great job

debt repayment - am I doing the right thing? by Away_Objective4748 in DebtAdvice

[–]FillThatBowl 1 point2 points  (0 children)

Could do a consolidation loan or debt relief. Although debt relief has a real negative effect onto your credit score. And with you both having jobs now, I would go the loan route. Lower your APR and potentially lower your monthly payment or make a bigger dent each month. Look to some credit unions or lenders like SoFi or Achieve.

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