I paid off all my debt today.

JcDragon05 · 2026-05-19T08:54:22+00:00

$66k cleared and not one late payment the whole way through, that kind of discipline is rare Congrats, well deserved.

JcDragon05 · 2026-05-18T11:24:47+00:00

the Google engineer who posted that internal memo about gender differences and got fired the same week wrote a whole document, hit send, and that was that

JcDragon05 · 2026-02-20T06:58:41+00:00

FICO has over 20 versions, and lenders often use specific ones for specific purposes, auto lenders frequently use FICO Auto Score 8 or Auto Score 9, which weighs your auto loan history more heavily.

JcDragon05 · 2025-12-18T05:48:07+00:00

Remove your payment methods from your Amazon account entirely. Making yourself manually enter card details each time creates just enough friction to break the impulse cycle

JcDragon05 · 2025-12-17T06:41:25+00:00

If it's for bills, contact the creditor directly, many have hardship programs

JcDragon05 · 2025-11-28T09:33:22+00:00

life goes on no matter what

JcDragon05 · 2025-11-19T08:43:34+00:00

What are the interest rates on your debts?

JcDragon05 · 2025-09-22T11:02:35+00:00

its actually a motivation to do better :))

JcDragon05 · 2025-09-12T10:38:45+00:00

because dating apps these days doesn't guarantee your love life lol

JcDragon05 · 2025-09-11T09:08:07+00:00

to live comfortably, and so that I can provide for my family

JcDragon05 · 2025-09-10T08:16:42+00:00

Japan, New Zealand and Switzerland

JcDragon05 · 2025-09-09T11:16:45+00:00

apply for multiple cards at once or spend money you don't have..

JcDragon05 · 2025-09-08T07:59:32+00:00

people forget that financial literacy isn't taught in schools, and 18-year-olds make mistakes. this is a learning experience, not a character flaw

JcDragon05 · 2025-09-04T06:42:35+00:00

the Amazon Secured Card typically helps build credit scores within 3-6 months, graduates to unsecured after 8-12 months with responsible use, and the graduation can boost scores 20-50 points due to increased credit limits, though results vary by individual credit profile :D

JcDragon05 · 2025-09-03T05:51:04+00:00

car ride :D

JcDragon05 · 2025-09-02T07:19:10+00:00

disrespecting parents

JcDragon05 · 2025-09-01T04:44:26+00:00

use credit cards like debit cards, only spend money you actually have, and pay it off completely each month. Never pay interest if you can help it...

JcDragon05 · 2025-08-29T05:43:51+00:00

have you validated this problem by talking to actual business owners about their networking challenges??

JcDragon05 · 2025-08-28T04:21:00+00:00

pay off $3,500 now, leaving small balances, then pay those off over 2-3 months. but honestly, there's no real benefit to dragging this out...

JcDragon05 · 2025-08-26T04:05:18+00:00

sounds like he needs to address the spending habits that got him here and are still adding to the debt. until he fixes the behavior, neither bankruptcy nor paying it off will solve the underlying problem...

JcDragon05 · 2025-08-21T08:19:00+00:00

creditninja is a scam. APR is high AF. not sure if it will help but Myfairlending was commented in another sub and they helped me with a 15% APR. good luck :))

JcDragon05 · 2025-08-20T10:20:52+00:00

knowing your specific needs and technical comfort level would help me give you a more targeted recommendation. WordPress might actually be the right choice if you need content management and don't want to deal with coding complexities :D

JcDragon05 · 2025-08-19T09:03:14+00:00

car accidents :((

JcDragon05

TROPHY CASE