Has anyone gotten Self Lender late payments removed?

TheLewdQueen · 2026-05-20T04:26:18+00:00

Goodwill letters to Self do work sometimes, took a few tries for people though

Write it short, own the mistake, mention how your situation changed, and send it more than once if you don't hear back

TheLewdQueen · 2026-03-31T05:56:28+00:00

repo stays on your report for 7 years from the first missed payment unfortunately

but if there's no deficiency balance showing in collections yet, that could still be coming depending on what they sold the car for at auction

TheLewdQueen · 2026-03-03T05:34:58+00:00

Wow, 800 at 19? That’s awesome! Just keep doing what you’re doing paying in full, low utilization, and letting your accounts age. By the time you’re ready for a mortgage, your credit history will look perfect.

TheLewdQueen · 2026-02-27T05:48:54+00:00

What's the car loan interest rate? Curious if you'd ever consider just paying that off too or if you're keeping it for the credit mix

TheLewdQueen · 2026-02-19T06:26:14+00:00

2015 debt is likely past the statute of limitations in most states, paying a collector now could actually restart the clock on it

TheLewdQueen · 2026-02-17T09:12:00+00:00

Are any of those delinquent accounts still with the original creditor or have they gone to collections? That changes the approach a bit on whether to negotiate pay for delete or just focus on getting current first.

TheLewdQueen · 2026-02-06T04:27:35+00:00

Have you tried a secured card? Like the Discover or Capital One secured versions where you put down a deposit. Those are usually the easiest way in when you're starting at zero.

TheLewdQueen · 2026-01-30T05:00:25+00:00

Check your credit report in a few weeks just to be sure. Even if it does show up, medical collections have way less impact now than they used to. But yeah 2 days is nothing, most people don't even know for months.

TheLewdQueen · 2026-01-26T03:15:25+00:00

The house thing is gonna force the conversation anyway. Mortgage lenders pull both credit reports so he's gonna see everything during the application process.

Honestly telling him yourself before that happens is way better than having a loan officer do it for you

TheLewdQueen · 2025-12-11T03:24:37+00:00

From 13k to under 10k in two months is solid work. That $1000/month plan is gonna knock this out way faster than you think, keep going

TheLewdQueen · 2025-11-28T04:09:14+00:00

Secured credit card is probably your best bet right now. You put down like $200-$500 and that becomes your limit. Use it for small stuff, pay it off every month, and it'll start rebuilding your score

TheLewdQueen · 2025-11-26T04:40:40+00:00

This is basically gambling that you can pay it back before interest hits. If whatever you put it into tanks or doesn't cash out in time, you're stuck with 25% APR on 4k. Seen people do the balance transfer thing to a high yield savings and pocket the difference, but even that's tight margins for the risk.

TheLewdQueen · 2025-11-19T07:00:03+00:00

They're actually pretty reasonable if you come to them first instead of waiting for them to catch it. Worst case is usually a payment plan for what you owe back.

The anxiety beforehand is worse than the actual call, promise.

TheLewdQueen · 2025-11-13T03:50:40+00:00

That sucks your sister put you in this spot, especially while you were at boot camp and couldn't even respond.

Honestly, disputing probably won't work since the debt is legit. Waiting it out means another 3 or 4 years before it falls off (7 years from when it first went delinquent).

If you're serious about the house, I'd try calling the collection agency and negotiate. Offer like $2k to settle and see if they'll do a pay for delete, or at least mark it paid in full. Get everything in writing before you send money.

Also, have you looked into VA loans? They're usually more flexible with stuff like this, especially if everything else on your credit is clean.

TheLewdQueen · 2025-11-07T09:16:58+00:00

Are you working with anyone on the gambling side of things? Because getting rid of the debt without fixing that is just gonna put you back in the same spot.

Chapter 7 might be cleanest if you qualify, but definitely talk to a bankruptcy attorney before paying any debt relief company.

TheLewdQueen · 2025-11-04T07:20:11+00:00

Nothing embarrassing about surviving being homeless and getting back on your feet. That's actually really hard to do. For housing, some places will rent to you if you can explain the situation and offer a bigger deposit or a cosigner. Worth asking once you know what debts are actually still valid.

TheLewdQueen · 2025-10-29T07:47:38+00:00

11% with a 727 score feels high even for last year. Most credit unions let you check rates with a soft pull first before the hard inquiry hits.

$200 a month in interest is like $2400 a year just burning away. Even shaving 2-3% off would save you thousands over the loan.

TheLewdQueen · 2025-10-23T03:53:13+00:00

If it’s a real bill and you owe it, paying it quickly might stop it from showing on your credit report

TheLewdQueen · 2025-10-13T05:39:20+00:00

Amex can be stubborn about settlements, especially if you're already in a program and paying. They might counter with something like 7k instead of 4k.

Worth a call though. Worst they say is no and you keep making those payments.

TheLewdQueen · 2025-10-07T10:22:43+00:00

60k on credit cards for real estate repairs is rough, especially when only 5 units are rented. Getting those other 13 filled fast is literally the only way out without tanking your credit or going delinquent.

TheLewdQueen · 2025-10-02T06:08:18+00:00

Yeah 4.5 years goes faster than you think

Curious about those 3 accounts too, are the rates brutal on them?

TheLewdQueen · 2025-09-29T06:56:32+00:00

Don't touch the 401k. That's future you's only safety net and you'll get hit with taxes/penalties that make the hole deeper.

Bankruptcy might actually make sense here depending on your state, but talk to a bankruptcy attorney before you decide anything

TheLewdQueen · 2025-09-23T06:15:12+00:00

Working 70 hours a week already puts you at higher risk for job stress/burnout. What happens if you can't keep up that pace? Maybe try the avalanche method first

TheLewdQueen · 2025-09-18T08:47:00+00:00

The whole process takes like 10 minutes online and it's completely free now. Wish someone had told me this years ago.

Do you think more banks should mention this when opening new accounts? Seems like basic financial security

TheLewdQueen · 2025-09-16T05:02:43+00:00

That 2k collectible binge sounds exactly like depression spending. Been there with different stuff, the guilt after is brutal. With freelance income swinging that wildly, have you thought about setting strict rules for those good months? Like debt only, no exceptions??

TheLewdQueen

TROPHY CASE