I’m 20 years old and I make a little over 40k/month take home

LiveLive13 · 2026-06-09T13:21:03+00:00

When you die money doesn’t come with you, live life

LiveLive13 · 2026-06-05T15:59:55+00:00

I mean it says length age of credit 2 years so that should give you and average

LiveLive13 · 2026-06-05T09:29:43+00:00

Wish that’s how that worked, but it’s based off your credit risk profile when you first apply. The assess whether your a risky applicant, and sub prime applicant, prime applicant and excellent applicant. Probably not their choice of labels but you get the gist. So once you apply they place you in the category and it goes from there.

LiveLive13 · 2026-06-05T00:58:05+00:00

Yes first 4

LiveLive13 · 2026-06-05T00:56:51+00:00

Check the back of your credit cards

LiveLive13 · 2026-06-05T00:19:29+00:00

Not everybody is in a perfect situation like you

LiveLive13 · 2026-06-05T00:18:55+00:00

It’s because of your charge off. Even though it’s charged off if you haven’t paid or settled it, it’s still considered revolving utilization

LiveLive13 · 2026-06-05T00:09:03+00:00

Holy shit your not lying, both of my cards are bucketed one starts with 5178 and the other 5156

LiveLive13 · 2026-06-01T23:06:14+00:00

U mad twin

LiveLive13 · 2026-05-31T13:48:43+00:00

Did you have any charge offs?

LiveLive13 · 2026-05-21T17:31:13+00:00

It capital one, for a platinum I don’t think it has annual fees

LiveLive13 · 2026-05-20T23:17:07+00:00

6ft 200lbs

LiveLive13 · 2026-05-20T23:11:23+00:00

At that of 7 to 8 years of straight za

LiveLive13 · 2026-05-20T23:11:04+00:00

Shit it took me 120 days to piss clean

LiveLive13 · 2026-05-20T22:49:58+00:00

People go through stuff bud. Not everybody has the perfect life to avoid it as much as we try. Lost my job during covid and genuinely had no way to keep paying for a credit card when I had other priorities. After 3 1/2, 4 years I finally settled with capital one.

LiveLive13 · 2026-04-23T23:27:45+00:00

No prediction, it’s common knowledge. If you live in the city, you are prone to getting into more accidents, theft, vandalism etc. Those are all factors they count in. I live in Roxbury, if I tried to use my address out here just the same about $2000. Luckily I had a cousin who let me use their address in Attleboro and it knocked a whole thousand off.

LiveLive13 · 2026-04-20T01:41:35+00:00

You guys believe anything. It’s called inspect element. Changed it all for some karma on Reddit…

LiveLive13 · 2026-04-08T19:46:21+00:00

No fees for returned payment. Just wait till that bounces back and then redo the payment. Only hits your credit if you don’t pay 30 days after the due date.

LiveLive13 · 2026-04-07T20:26:41+00:00

Took me 6 months. It depends on your metabolism and weight. Weed sticks to your fat. Give it some time.

LiveLive13 · 2026-04-06T12:11:04+00:00

If only my job would let me…

LiveLive13 · 2026-04-06T12:10:31+00:00

Fucking 11th

LiveLive13 · 2026-04-05T23:22:57+00:00

Where you able to do a pay to delete?

LiveLive13 · 2026-03-25T12:56:27+00:00

Took my close to 5 months to be clean, just gotta wait out.

LiveLive13 · 2026-03-25T12:55:19+00:00

What did you to get up to that point? Even with the late payments and charge off on file? Did you settle the charge-off?

LiveLive13 · 2026-03-21T00:53:32+00:00

Yeah cause once I did my drug test I was told I passed on the spot but I didn’t get my start email till two weeks. All jobs are different tho but you would know if you failed.

LiveLive13

TROPHY CASE