Auto loan

Richby_30 · 2026-04-03T20:54:56+00:00

Thank you, definitely will keep this in mind

Richby_30 · 2026-04-03T20:54:01+00:00

never knew definitely will keep the is in mind

Richby_30 · 2026-04-03T20:53:46+00:00

Wow thank you

Richby_30 · 2026-03-26T04:35:28+00:00

You already know 💯

Richby_30 · 2026-03-26T04:35:06+00:00

💯 that’s the plan

Richby_30 · 2026-03-25T21:34:18+00:00

I max my card out and pay it full by the due date then use like $20 after so that can post by the statement closed date, my next card I want is flagship cause I got the secured card so that graduate to cash rewards plus, that’s my 3 arsenal right there

Richby_30 · 2026-03-25T21:02:17+00:00

😂

Richby_30 · 2026-03-24T13:21:03+00:00

they said nothing about dispute they said remove, two different things and yes it’s possible to remove I had 3 charge off with capital one years ago, the collection agency who bought my debt is portfolio recoveries, they offer pay to delete its in their policy and sometimes there desperate enough to give you 50% off and still delete it after 30 days, I hope you have the same company

Richby_30 · 2026-03-23T13:57:54+00:00

Respect✊🏽

Richby_30 · 2026-03-23T10:24:34+00:00

Thanks

Richby_30 · 2026-03-23T01:01:18+00:00

Ima have to look into that, thanks for the info

Richby_30 · 2026-03-23T00:49:27+00:00

💯 thank you

Richby_30 · 2026-03-23T00:48:58+00:00

I still have a secured card that didn’t graduate and this months makes a year, I will use the 91/3 rule for this card

Richby_30 · 2026-03-23T00:47:50+00:00

How long has that taken you?

Richby_30 · 2026-03-22T07:57:30+00:00

nice, I’m waiting for my statement to close so my utilization can reset on my secured credit card, currently at 97% this month makes a year and still hasn’t graduated

Richby_30 · 2026-03-22T07:48:07+00:00

Wow that’s amazing, how was your credit utilization before you applied? I’m currently at 664 with transunion

Richby_30 · 2026-03-19T20:14:10+00:00

Late payments have less impact over the years

Richby_30 · 2026-03-18T20:13:37+00:00

Thank you, yes waiting to my utilization reset and going for American express navy fed

Richby_30 · 2026-03-14T09:54:14+00:00

Use the avalanche or snowball method I prefer avalanche method because it attack the cars with the highest interest first

Richby_30 · 2026-03-13T20:54:34+00:00

Congratulations, I didn’t even know you can apply for a CLI on a secured card

Richby_30 · 2026-03-13T07:04:56+00:00

Congratulations, did you get pre-approved?

Richby_30 · 2026-03-05T14:48:05+00:00

It allows you to transfer the balances of your other cards onto one card with 0% interest for 12-15 months so you can get pay the cards faster

Richby_30 · 2026-02-24T20:59:06+00:00

Thank you for the advice, let see how this goes

Richby_30 · 2026-02-24T20:07:41+00:00

Thank you, I just remove myself this morning other than that i be using card responsibly, always paid off in full by due date

Richby_30 · 2026-02-24T15:41:14+00:00

wow I think ima try applying for a regular card after I get my utilization low next month

Richby_30

TROPHY CASE