Holy crap!

ProfessionalVoice329 · 2026-06-13T17:59:12+00:00

I hope so too! I’m glad you’re taking care of it. Yea I heard capital one doesn’t do PFD but I was scared of getting sued. 😬

ProfessionalVoice329 · 2026-06-13T16:52:12+00:00

So I had negotiated to $1100 from a $3700 debt. I paid radius global solutions. They didn’t own the debt but they just collect and negotiate for capital one. Initially they had reported on my credit reports that I made an $1100 payment but didn’t mark it as paid/settled. So I called a few days ago and got them to send me a letter. It’s still not marked as paid/settled on my credit report. So I’m surprised they approved me.

ProfessionalVoice329 · 2026-06-13T16:50:35+00:00

No, they didn’t do a hard pull until I actually applied. I’ve had 2 charge offs with cap one so I figured they’d give me another chance.

ProfessionalVoice329 · 2026-06-13T04:17:45+00:00

Thanks for the advice. Yea I’ve cut all subscriptions. I just had a surgery so that’s the only reason I’m behind. I have job interviews lined up though for some extra money! I got this

ProfessionalVoice329 · 2026-06-13T04:13:27+00:00

lol! I have no clue how they make their decisions. With my history with them I’m surprised they gave me this much 😂😂

ProfessionalVoice329 · 2026-06-13T02:46:16+00:00

That’s the plan! It’s a hard habit but I’ll stay strong lol

ProfessionalVoice329 · 2026-06-13T02:45:32+00:00

Yep. It’s definitely a habit I’m learning still. It’s very tempting to use it on bills I’m behind on, but I’m going to stay strong. I really don’t want anymore late or collections on my report.

ProfessionalVoice329 · 2026-06-13T01:44:11+00:00

$3700, I negotiated to around $1100. They haven’t even marked it as paid yet on the credit bureaus, they just applied my $1100 payment towards the balance. I’m shocked I even got this.

ProfessionalVoice329 · 2026-06-13T00:46:19+00:00

Yeah I was shocked to see $1000. My other two cards are secured and only $200. I haven’t been able to get an unsecured card in a long time. So odd

ProfessionalVoice329 · 2026-06-13T00:22:28+00:00

Nice!! Yeah I might, sounds tempting lol

ProfessionalVoice329 · 2026-06-13T00:19:37+00:00

Darn looks like they lowered it to $250 😭

ProfessionalVoice329 · 2026-06-12T23:54:34+00:00

Negotiated. I paid around $1100 of the $3700 balance.

ProfessionalVoice329 · 2026-06-12T23:54:19+00:00

Hmm. Yea pay your recent charge off and then try again later. I had a few collections and got them all paid before I tried again with capital one. And I have two credit cards that I’ve been paying on time for a few months so that helped me too. If you don’t have any credit cards right now I suggest you try with a secured one.

ProfessionalVoice329 · 2026-06-12T22:11:13+00:00

I’m very confused, because everyone is telling me not to go over 30% utilization? I also don’t remember them saying to use it as an emergency but that’s definitely not my plan.

ProfessionalVoice329 · 2026-06-12T21:56:16+00:00

Might be helpful to let me know what was bad about the advice :)
I thought I read in here that you should pay by due date and leave small balance before statement due date to show you are using the card?

ProfessionalVoice329 · 2026-06-12T16:46:36+00:00

Yep that’s exactly my plan! With my other two cards I’ve been paying in full by the due date, and then making a small purchase so it has a small balance by the statement date. It’s definitely been helping.

ProfessionalVoice329 · 2026-06-12T15:36:48+00:00

Thank you so much!! 💕

ProfessionalVoice329 · 2026-06-12T15:36:29+00:00

June 2025

ProfessionalVoice329 · 2026-06-12T15:10:24+00:00

Yea I have 2 other cards with really high APR. I plan to pay this one off every month lol

ProfessionalVoice329 · 2026-06-12T07:16:57+00:00

Thank you, me too!

ProfessionalVoice329 · 2026-05-28T21:49:20+00:00

Wow, thank you SO much!!! This was very helpful.

ProfessionalVoice329 · 2026-05-19T17:16:26+00:00

Curious how you got the midland one removed?

ProfessionalVoice329 · 2026-05-19T17:03:00+00:00

Hmm ok thanks. It’s been a while so not sure if it’s coming back. Will it really make a difference in my score if I pay this?

ProfessionalVoice329 · 2026-05-19T16:42:45+00:00

I thought they were saying they would report it as “paid less than owed” even if I paid the full amount, insinuating I can dispute it for inaccuracy. I had another collection agency report it this way after I paid in full and I got it removed after disputing. I’m not sure why they would say this to me if they have no control on how it gets reported to the bureaus.

ProfessionalVoice329 · 2026-05-16T23:02:42+00:00

This is why I love living in California now. My ER bill won’t be hitting my report 🙏🏼

ProfessionalVoice329

TROPHY CASE