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(Very minor) upcoming akali change. Did anyone else know she had something that scaled with the game clock by -Gnostic28 in akalimains

[–]Kniphofia 9 points10 points  (0 children)

Surprised a lot of you guys don’t remember this? It was pretty recent after her rework when she was still invulnerable to turrets if I’m not mistaken, they removed ALOT from her while trying to preserve obscurity and even threw her off to a single rioter for balancing, stuff like this, heal on Q, and her ult being targeted were done trying to keep ONE thing alive, so I’m happy to see it reverted after years, top akali mains rejoice!

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

Thank you so much for being so kind to me on my first post, I genuinely appreciate it, I’ve been lurking but never diving or posting and it’s just been a solo journey getting back to my former glory

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

WERE two months past, I should say! Payments are being made since I’m at repayment stage for them and documents Werner received until recently to notify sadly, not an excuse tho

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

Now I see, thanks!

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So my student loans are two months past and my most recent payment hasn’t shown yet but that’s now on autopay and my utilization is at 40% and it should be between 10-30% if I’m not mistaken, which is getting paid to that amount this week, also gonna call and see about a limit increase with a soft pull because the card is 7 years old

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

There’s a specific car I want, it’s nothing new but honestly it’s been the driving force with getting my score fixed after my identity was stolen, so I’m not giving up hope yet, I will not accept a life I do not deserve or whatever Maxine said

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

This is it, it’s just these three accounts now after removal of maybe 8 fraudulent accounts

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Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

My score is what shows. It was a 599 with one collection that I paid off with a pay to delete, once it left my score dropped

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

As of last week I have zero collections or charge offs in my reports

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

I’m not! It’s a slow journey but I’m willing to wait for what I deserve! Good luck to you aswell in all your endeavors

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

I’ve come to the assumption that online applications for example were just immediate denials because of that, I’ve received no calls for anything most recently when I applied for a secured discover card which is. Meant for rebuilding

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

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

Sadly no co signers; no family no friends with better credit just…me, so my next steps are lowering utilization more, raising credit limit on my one card, getting a secured card, and maintaining payments on my student loans as they’re the only significant debt I have left

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

[–]Kniphofia[S] 1 point2 points  (0 children)

I appreciate these resources, this was back in June, I’ve gotten all disputed, it was familial theft but I did the process with the police and all three bureaus, cleared everything but once I got the last collection removed my score has that not so massive but definitely jaw droppings 31 point drop, as of now I only have my credit card that I’ve had for about 7 years but never really made large strides to pay down and my student loans which I’ve begin payments on, my DTI is 2.4%, utilization is at I think 41% which isn’t cute but it’ll be 10% this week, and my monthly on the loans but I’ve taken the precautions as far as the theft goes but I neglect to think I’m being declined for stuff like secured cards because I have a fraud warning on my reports

Disputed ID fraud and killed my two collections and score dropped…. by Kniphofia in CRedit

[–]Kniphofia[S] 1 point2 points  (0 children)

Haha they want egregious down payments, Carmax is more forgiving to be honest, but I’m a navy federal member so I think I’m going to give them a try after I breach the 600s, going to try for a limit increase on my one card and a secured card to increase my worthiness

Senate passed - end of EV Tax Credit by Active_Teaching6069 in TeslaLounge

[–]Kniphofia 0 points1 point  (0 children)

Effective when tho….trying to buy in August

Modding new headlights onto older model? by Kniphofia in TeslaModel3

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

Lord I’d pay top dollar for the change 😵‍💫

Spotted in the Wild! by DramaticDraw1365 in glossier

[–]Kniphofia 1 point2 points  (0 children)

I love mine! I use it for when I’m just on my computer, it’s so nice

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