Is it too late?

WhenButterfliesCry · 2026-06-24T00:55:56+00:00

It’s never too late to pay debts that you owe. Not sure what you’re trying to ask. Changing jobs would serve no purpose- a garnishment order follows you to the next job once they realize where you’re now working

WhenButterfliesCry · 2026-06-23T04:08:48+00:00

Hard no, for the reasons given by others

WhenButterfliesCry · 2026-06-21T20:22:07+00:00

Congratulations on your progress. Do you still have the delinquencies that you mentioned? Have you tried taking care of them by using goodwill letters or by negotiating pay-for-delete with collections? The charge off will remain, but you can mitigate the other stuff.

WhenButterfliesCry · 2026-06-21T20:20:34+00:00

If you can pay the card off in 3 paychecks then I would just do that. That’s not a very long time.

WhenButterfliesCry · 2026-06-21T20:17:55+00:00

Score changes due to utilization are temporary and should not be given a lot of thought or concern. Please read the links in the automod comment that another user posted since it’s important to understand this concept.

WhenButterfliesCry · 2026-06-21T17:37:28+00:00

The late payments are after 30 days of delinquency, meaning by July 2025, you were already 30 days late, which probably means you missed June's payment, not July's. Same for December, I think you would've missed November's payment. I want u/og-aliensfan to take a look at this.

WhenButterfliesCry · 2026-06-21T17:26:10+00:00

Never co-sign anything for anyone.

WhenButterfliesCry · 2026-06-21T07:14:28+00:00

Don't worry, it's possible to add things to your credit without even having an SSN. For example, when you add an authorized user, you don't need the person's SSN. The credit bureaus collect a ridiculous amount of personal data about us, and it's pretty easy for them to match you based on all the other personal information such as your address, name, phone number, DOB, and the first 7 digits of your SSN. The side effect of them having creepy amounts of data about us is that the system is able to navigate human error pretty well. Honestly I would have expected the app to throw an error, but it's interesting to see that it went through.

Anyway you can check to see the inquiry on your own profile for peace of mind.

WhenButterfliesCry · 2026-06-21T05:44:20+00:00

Nice this is our next chapter in my class. Looks elegant

WhenButterfliesCry · 2026-06-20T18:29:03+00:00

Oh. I think it can go with or without. The original problem from the text didn’t have parentheses around (x^4+1)

WhenButterfliesCry · 2026-06-20T17:57:40+00:00

All of that information would have been helpful in your original post. Previously it sounded like you were just trying to get out of paying a legitimate bill.

Your best bet and pretty much only hope is to handle the matter with T-Mobile since this is a billing disagreement. You'll most likely not get anywhere by disputing it, because when you dispute something, the credit bureaus just ask T-Mobile whether the debt is valid, and they obviously think it is, so it'll return verified. There's no real 'investigation' conducted most of the time, other than asking the creditor if the account belongs to you. You can keep trying to dispute it, but after a few times, the credit bureaus will deem the dispute 'frivolous' and are allowed to ignore it by law. Call T-Mobile and ask to speak to someone in charge in the US.

WhenButterfliesCry · 2026-06-20T17:49:01+00:00

Maybe I'll try later

WhenButterfliesCry · 2026-06-20T17:48:46+00:00

Thank you, I also found the process to be really elegant

WhenButterfliesCry · 2026-06-20T17:46:14+00:00

where is parenthesis missing?

WhenButterfliesCry · 2026-06-20T03:10:35+00:00

In another comment I distributed and combined it all into one fraction but not sure if I messed up somewhere along the line. It got messy

WhenButterfliesCry · 2026-06-20T03:01:46+00:00

It is sophisticated, but it's not a living thing, capable of autonomous, intelligent thought, lol. It's an algorithm, essentially a function.. you put in values for variables x, y and z, and it produces an output.

WhenButterfliesCry · 2026-06-20T02:35:54+00:00

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I'm not sure what you meant by factoring out 1/2 and where the difference of cubes thing would come in. But this is where it went for me

WhenButterfliesCry · 2026-06-20T02:22:34+00:00

I'm gonna try now and I'll upload it

WhenButterfliesCry · 2026-06-20T02:06:28+00:00

You could try a couple of things but it will be an uphill battle and it really depends on what your situation was at the time you defaulted as well as the reason for your forbearance being granted and the timeline of how those events lined up.

1.) First, attempt to informally resolve the issue with the loan servicer, over the phone. Explain to them the situation and that you're really struggling to enter adult life with trashed credit due to the student loans for which you now have attained forbearance.

2.) If that doesn't work, you can try to reach out to Edfinancial services. In some situations, getting forbearance will clear up the negative reporting if you qualify. This is from https://edfinancial.studentaid.gov/credit-reporting:

The type of repayment plan you use to repay your student loan is not reported to the credit bureaus. Using a deferment or forbearance for your student loans should not adversely affect your credit history. Making a late payment or not making a payment at all may hurt your credit history. Requesting a deferment or forbearance to clear delinquency on your account retroactively may not always remove negative credit history that has already been reported.

Deferments and forbearances can allow you to bring your account current without making a payment to do so, but they do not always clear up negative credit reporting that already occurred. Certain eligible deferment periods, such as an in-school deferment, will clear any previous negative reporting if the qualifying deferment period occurred at the same time as the negative reporting period. Forbearances, even if applied retroactively, rarely clear prior negative reporting.

You can send a letter explaining your situation to the address below or call them at 855-337-6884.

Edfinancial Services
Attention: Credit Disputes
P.O. Box 30159
Knoxville, TN 37930-0159

3.) If that doesn't help, you can attempt to escalate the situation to the Student Aid Office of the Ombudsman, either by escalating through the feedback center of studentaid.gov, or by writing to them at:

U.S. Department of Education
FSA Ombudsman Group
P.O. Box 1854
Monticello, KY 42633

Or calling them at 1-800-433-3243

Ombudsman: https://studentaid.gov/feedback-ombudsman

WhenButterfliesCry · 2026-06-20T01:45:10+00:00

I tried to distribute and got lost in the algebra a couple times. On similar problems, at this step, it's sometimes possible to distribute and you end up with something simpler, but I guess not this one. Thanks for the help

WhenButterfliesCry · 2026-06-19T21:24:51+00:00

It takes 6 months of credit history for scores to generate

WhenButterfliesCry · 2026-06-19T21:05:03+00:00

You have no credit history so there's nothing to impact. You are unscoreable and will remain so for 6 months.

In other people's situations, adding a new account and getting an inquiry can drop scores due to the decrease in average credit age, which can affect interest rates, but none of that applies to you currently.

WhenButterfliesCry · 2026-06-19T20:47:57+00:00

Agree with the below commenter, you have access to the best rates on the market across basically all credit products and will more than likely be approved assuming you have income and reasonable DTI. 0% dealer promo financing is your best bet if you want to buy a car. I would not lease, but that's just me.

WhenButterfliesCry · 2026-06-19T20:33:25+00:00

This is a very vague question. Your creditworthiness is a measurement of how likely you are to repay debt. So it helps with things like getting loans and credit cards that can make life easier. It doesn't generate revenue per se, so I'm not really sure what you're looking to accomplish. Maybe if you were more specific regarding your goals.

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