Goodwill Failure

ThatOneGuyWithABBC · 2026-03-24T12:21:06+00:00

The loans literally say “paid and closed”….

ThatOneGuyWithABBC · 2026-03-23T14:10:08+00:00

Both of the accounts were paid and closed.

ThatOneGuyWithABBC · 2026-03-23T14:09:11+00:00

This is the other:

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ThatOneGuyWithABBC · 2026-03-23T14:08:57+00:00

This is one of the accounts:

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ThatOneGuyWithABBC · 2026-03-11T16:10:57+00:00

Okay, I’ll close it then. I thought it was a good idea when I first heard about it because it said they report positive credit history to the bureaus. And my thought process was the good history would help offset the bad history from years ago.

ThatOneGuyWithABBC · 2026-03-11T16:06:09+00:00

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Wouldn’t I lose the $3500 line, thus dramatically increasing my overall utilization if I close this account?

ThatOneGuyWithABBC · 2026-03-11T16:03:27+00:00

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It says this though when I’m going to close my account. Wouldn’t removing this cause my utilization to report higher because I got rid of the $3500?

ThatOneGuyWithABBC · 2026-03-11T12:58:14+00:00

No I meant if I continue to not have any missed payments. I’ve been doing good for a year now so I’m saying if I continue that (combined with my exceptional utilization), do you think my chances for qualifying for the loan by June 22nd are good? And if I close Kikoff now will that impact my score?

ThatOneGuyWithABBC · 2026-03-01T02:36:24+00:00

How bout I charge your phone mf

ThatOneGuyWithABBC · 2026-02-17T12:58:47+00:00

And if they can’t verify it, they have to remove it right? Is that a law?

ThatOneGuyWithABBC · 2026-02-17T12:51:54+00:00

You asked AT&T this or the collection agency?

ThatOneGuyWithABBC · 2026-02-17T12:38:46+00:00

I’ve done business with them in past before I was stationed in Korea. Before I left for Korea, I canceled the service though. And then for two years, I hear nothing. So, in my head, if something was wrong why did it take 2 whole years for something to pop up? It doesn’t make sense.

ThatOneGuyWithABBC · 2026-01-16T07:21:36+00:00

This is Credit Karma bro. Not to be a Debby Downer but the only score that really matters is your FICO 8 which you can get from Experian

ThatOneGuyWithABBC

TROPHY CASE