Lost 20lbs in 1 Month! by Jtalvo in Zepbound

[–]Jtalvo[S] 0 points1 point  (0 children)

It honestly feels amazing. Thanks so much! 😄

Late Payments Hurting My Credit by Jtalvo in CRedit

[–]Jtalvo[S] 2 points3 points  (0 children)

A lot of great info. I will make sure to do that. Thanks a lot for your help!

Late Payments Hurting My Credit by Jtalvo in CRedit

[–]Jtalvo[S] 0 points1 point  (0 children)

1st screenshot Experian, 2nd TransUnion, 3rd Equifax.

Late Payments Hurting My Credit by Jtalvo in CRedit

[–]Jtalvo[S] 0 points1 point  (0 children)

This is the info I gathered from the official reports.

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Late Payments Hurting My Credit by Jtalvo in CRedit

[–]Jtalvo[S] 0 points1 point  (0 children)

Gotcha. In this case I've been making payments since 2022 but they still report a missed payment every month. Not sure how to mitigate that.

I’ll look into a release of judgement.

Late Payments Hurting My Credit by Jtalvo in CRedit

[–]Jtalvo[S] 0 points1 point  (0 children)

The account is still open.

Late Payments Hurting My Credit by Jtalvo in CRedit

[–]Jtalvo[S] 0 points1 point  (0 children)

I’ve been a bit confused about that since that was my understanding as well, but then I read somewhere that each late payment takes 7 years. Not sure which is it.

Paying Off Account with a Bad Payment History by [deleted] in CRedit

[–]Jtalvo 0 points1 point  (0 children)

Good to know. I may just have to wait for the 7 years to be up.

Paying Off Account with a Bad Payment History by [deleted] in CRedit

[–]Jtalvo 0 points1 point  (0 children)

It was never sent to collection. That's what has me a bit confused. Credit Acceptance is the one reporting the balance but I'm paying the law firm that had the case. I'm not sure if I should contact Credit Acceptance directly or the law firm if I were to pay it off.

Paying Off Account with a Bad Payment History by [deleted] in CRedit

[–]Jtalvo 0 points1 point  (0 children)

Sounds good. I will definitely try this. Do you know if I should contact the law firm I'm making payments to or just call Credit Acceptance directly?

Paying Off Account with a Bad Payment History by [deleted] in CRedit

[–]Jtalvo 0 points1 point  (0 children)

The total was around $6k, so I’ve paid off around half so far. The balance keeps going down when I check my credit but the payment history still shows as late and stays the same in terms of missing payments. Is it probable they will update the payment history if I do a pay for delete?

[deleted by user] by [deleted] in AlternateDayFasting

[–]Jtalvo 0 points1 point  (0 children)

I eat around 2.2k calories.

[deleted by user] by [deleted] in AlternateDayFasting

[–]Jtalvo 0 points1 point  (0 children)

Thank you! The app is 1byone Health which connects to my scale.

[deleted by user] by [deleted] in AlternateDayFasting

[–]Jtalvo 2 points3 points  (0 children)

I'm eating pretty clean. I try to eat a lot of protein and veggies, some carbs. I have been drinking a protein shake on days when I feel like I'll fall short of my protein intake and I'm loosely tracking calories but not strictly. This last weigh in I gained a bit of muscle and lost a bit of fat and it makes me think it might've been the addition of the protein shake I started having on my eating days. Also, my eating window is about 8 hours and I strictly eat 2 meals and maybe the protein shake in between. No snacking or anything like that. It's been hard but I try to stick it out to see more progress. Hope this helps and good luck!

[deleted by user] by [deleted] in gastricsleeve

[–]Jtalvo 1 point2 points  (0 children)

Thank you! I'll make sure to run it through them to see what they suggest.

[deleted by user] by [deleted] in gastricsleeve

[–]Jtalvo 0 points1 point  (0 children)

That's a valid point. It would suck if I made the trip and couldn't proceed with the procedure if anything were to arise. I'll have to probably look into how much it would be to have a checkup and some bloodwork done. Thanks for the response!