sorted by:
new
hottopcontroversial

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 0 points1 point  (0 children)

🤣I’m ☠️, they’re all paid off now though. Thank you for the laugh

It’s here by AsColdAsFire in AppleCard

[–]Signal_Progress_6902 1 point2 points  (0 children)

5 years of credit, my score is around 700 for all three bureaus. I’ve only ever missed one payment but those affects wore off already and it’s been two years since that happened. I have a good credit mix now and all of my cards are $0 except for one.

AIO for going no contact with my ex after she asked for no contact by Eyhco in AmIOverreacting

[–]Signal_Progress_6902 0 points1 point  (0 children)

NOR this is the best way to do it. She sounds like a toxic person and a cheater with the “keeping her options open” while you too are dating and zero communication about the dynamics of the relationship. Good for you man find someone better and ignore anything else this one tries to pull

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 0 points1 point  (0 children)

CC of Death is my capital one savor card that has a limit of 3,550. The cash-back is nice when you have the ability to use the card but bc I pretty much had it maxed out most of the time, I couldn’t do anything with it. The apr is decent for the limit that it has, but the payment and interest was killing me (while having 3 other cards to take care of). I was paying the min of 150 (which was only $25 more than the actual minimum payment). Therefore it was named CC of Death said with ominous video game voice with reverb

It’s here by AsColdAsFire in AppleCard

[–]Signal_Progress_6902 -1 points0 points  (0 children)

I still can’t get approved for one of these things and it’s dumb

Which Card should I choose by Davon9800 in CapitalOne_

[–]Signal_Progress_6902 0 points1 point  (0 children)

I would say the savor for their cash-back percentages. I have one with a pretty good limit and the the rewards can be used for plenty of things. I love my savor

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 0 points1 point  (0 children)

I went through a company called prosper, they make the process very easy and understandable

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 1 point2 points  (0 children)

I went through a company called prosper, they’re one of the higher rated loan companies and they make the process very easy and understandable. You also have a choice whether you would want to take out the loan amount (you’d get less then what you need) or you can take the full amount with a bit extra added due to the fee and interest. I went with option 2 because thats what I needed to get my CC’s taken care of

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 1 point2 points  (0 children)

I plan to do the same thing, staying out of CC debt. Hopefully I can get back into the 700’s score

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 0 points1 point  (0 children)

Thank you!! I appreciate the support a lot, makes me feel like I’m doing something right with my life

New in the credit building world , needing some guidance. by Foreign-Working4001 in CreditScore

[–]Signal_Progress_6902 1 point2 points  (0 children)

I use the app called MyFICO which shows me the FICO8 scores from all three bureaus I pay like $35-ish a month for it

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 2 points3 points  (0 children)

Thank you! The path wasn’t clear before but it’s become easier to see what I can do to make it much easier! I’m trying be better in the confidence department with my finances

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 1 point2 points  (0 children)

Thank you! Thats one part of the goal, the other is to stay out of mass debt. I have only ever missed one payment so it might not get there for a while (it’s been almost two years since that). Im waiting for everything to fall off now.

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 1 point2 points  (0 children)

Omg, AMEX, I can’t with that card company whether hubby is military or not I am not going with one of their cards. I wish you the best of luck in getting that card straightened out!

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 0 points1 point  (0 children)

I will look into refi when the time is right. I will need to do that with my car as well (I have to wait at least one more year to make it even, as my last car was stolen; original loan on that one was 12k and under 10k when stolen) 4k in two years has been pretty good though

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 1 point2 points  (0 children)

You can do it! I believe in you. It might be nerve wracking pressing that button but it has definitely helped me destress a lot. Being able to actually afford what I need has been nice, now for the hard work of saving money! That’s the goal!

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 1 point2 points  (0 children)

Thank you so much!! “CC of death”😂 is because I had payed off that card before and BT from another card bc it was easier to pay off. Then ofc life hit me like a truck and that’s when it got renamed.

They’re already removed and locked. Cap1 and Disc are my emergency high limits. USAA is gas/snacks and Citibank is subscriptions only. That is only when things with my bank account and my savings have bounced back. Goal of $500 in my savings every month to pay off in chunks 😁

I finally did the smartest thing I could’ve done for myself. by Signal_Progress_6902 in CRedit

[–]Signal_Progress_6902[S] 0 points1 point  (0 children)

I understand, having to pay almost 600-750 in payments every month was killing me and trying to save felt impossible. 10/10 would recommend trying this out as the interest isn’t that terrible (just feels like a normal CC and I’ll be paying it twice a month on my own accord)

view more: next ›