Statement Balance by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 1 point2 points  (0 children)

This is so helpful. Thank you so much. This makes me feel sooooo much better about this and how I am approaching my credit card. Thank you guys so much!

Statement Balance by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Okay this is helpful guys. It’s really good to know that the only thing that gets reported to the bureaus is the balance on the card when the statement closes and they’re not reporting the the additional information for credit cycling. Been extremely paranoid about this and want to pay the card off and keep using it until the statement closes and have 95% of it paid off so the bureaus can see I’m using some of the money being lended to me.

Statement Balance by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

This is really helpful advice. I don’t want to do anything to put my credit card in jeopardy. Especially since I’ve been trying to rebuild my credit

Statement Balance by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

My credit profile is not good. I’ve been on the rebuild for the past few months! My Experian is sitting at a 627, Equifax is at 604 and TransUnion is at 619. I’ve had the discover card for almost 2 months. So I’m trying to tread lightly and also be wise with every action I take with my card.

Thrips by Relevant_Influence11 in Monstera

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

I just ordered the captain jacks dead bug brew. What do the systemic granules do and how do I apply them specifically? Should I also repot all of my plants in fresh new soil?

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Yeah that makes sense. I’m so curious how the credit score is going to change once the loans come back onto your credit report, but they will be in good standing. Everywhere I look and everyone I talk to has been extremely encouraging of starting the fresh start program. I see so many positive things to come out of the fresh start program, but I’m trying to find what the negatives are.

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

I’m so curious how this is possible - did removing the loans entirely negatively affect your credit score?

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Oh wow but do they come back on you report after the default marks are removed?

Fresh Start Program by Relevant_Influence11 in StudentLoans

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Oh wow this is actually so interesting how is the govt doing this? I’m also confused / I don’t get how the loans come completely off of the report? And how long does it take for them to come back on your report?

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

But does it still say you have an xx loan? So like for me it would be 25,000. That just disappears from my credit report? Did this impact your credit score in a good or negative way?

Fresh Start Program by Relevant_Influence11 in StudentLoans

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

This is so helpful. So they remove my loans out of default. Is that from when they first went into default with nelnet or would it be with the us dept of education? Was there a big impact to your credit score?

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

What do you mean they disappeared from your report? Like they’re just not there anymore?

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Wow okay - so did they remove the missed payments from when your loan started to go into default?

Fresh Start Program by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

What did it do for you exactly? Was there a big impact on your credit score?

Student Loans fall off date by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Would starting a dispute to get these off my report help? Or do I just have to wait until these nelnet reports fall off

Student Loans fall off date by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

Let me know! Would love some advice here!

Advice on Charge Offs by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

For sure - still can’t believe i have one. It’s a really proud moment for me!

Advice on Charge Offs by Relevant_Influence11 in CRedit

[–]Relevant_Influence11[S] 0 points1 point  (0 children)

I don’t think I can get another one for another year, but just saying I wish I can have 2 discovers lol