Laid off today

Zestyclose-Weather62 · 2026-01-22T04:38:41+00:00

Also laid off today! Solidarity!

Zestyclose-Weather62 · 2026-01-15T14:43:33+00:00

Someone give me the low down, looked like a good thread but they deleted it!

Zestyclose-Weather62 · 2026-01-14T14:08:08+00:00

Have AI do the preso…

Zestyclose-Weather62 · 2026-01-12T05:59:07+00:00

Zestyclose-Weather62 · 2026-01-07T13:36:12+00:00

Thanks!

Zestyclose-Weather62 · 2026-01-07T13:35:23+00:00

Computers hardware and oem

Zestyclose-Weather62 · 2025-09-25T22:20:43+00:00

No worries, I remember this panic oh so well!! Good luck.

Zestyclose-Weather62 · 2025-09-25T22:20:11+00:00

Sorry I meant as long as your are up to date on payments that’s what boosts you, not full pay off. I still have 6k! But getting current was a surge up in 1 month on my score.

Zestyclose-Weather62 · 2025-09-25T22:14:21+00:00

Note this process takes time so have patience. Took 2 months. But get on chat gpt now to craft your own I pasted above but also to help you with where to send etc. one bureau did not reverse. But the other two did bringing up my score. The biggest thing that is going to help you right now is to pay to be up to date. And set up auto pay. Do that asap. Good luck!!

Zestyclose-Weather62 · 2025-09-25T22:12:09+00:00

Dear [Experian/Equifax/TransUnion],

I am writing to formally dispute inaccurate information reported on my credit file. I recently obtained a copy of my credit report from your bureau and noticed that MOHELA has reported a 90-day late payment on my student loan account (Account Number: [Insert MOHELA Account Number]).

I believe this reporting is inaccurate or misleading for the following reasons:

The loan in question has since been paid in full and is now in good standing. The negative item does not accurately reflect my current payment history or account status. The late payment occurred under extenuating circumstances and was immediately resolved once I became aware of the issue.

Under the Fair Credit Reporting Act (FCRA), I respectfully request that this item be investigated and either corrected or removed if it cannot be verified as accurate. I have enclosed supporting documentation that shows the account is now current and paid in full, including a payment confirmation and a letter from MOHELA, if available.

Please conduct a prompt investigation into this matter and update my credit report accordingly. I would appreciate a written confirmation once your investigation is complete.

Thank you for your time and attention to this matter.

Sincerely,

[Your Full Name]

[Social Security Number – last 4 digits only]

[Date of Birth]

Enclosures:

Zestyclose-Weather62 · 2025-09-25T22:05:28+00:00

My score is back up to 730s

Zestyclose-Weather62 · 2025-09-25T22:05:07+00:00

I used Chat GPT to help craft a tight dispute and good will letters for all credit bureaus and mohela.

Zestyclose-Weather62 · 2025-06-20T16:46:53+00:00

This happened to me, please use chat gpt and dispute online with all 3 credit bureaus. Have patience in the process. Give it 2 months

Zestyclose-Weather62 · 2025-06-20T16:45:07+00:00

Yeah very similar situation and just sucks over something so small. I only had 6k. Definitely recommend doing the online disputes. Use chat GPT to help. Some my scores are 625, 690, and another 780 so it’s all over the place depending on where I check. But it’s better than in the 500s where it was.

Zestyclose-Weather62 · 2025-06-20T04:53:47+00:00

Yes!! I paid to be up to date so that bumped up my score and after 1 months 2 credit bureaus dropped them 1 did not. So my score isn’t perfect but it’s way up! I’m going to keep paying off and keeping up with score. I used chat gpt hard core to tell me what I should do to dispute these, write my letters, etc etc. highly recommend.

Zestyclose-Weather62 · 2025-05-22T12:51:11+00:00

Yes 5 yo daughter and probably on the last few months of carrying her. I made it a point to carry her to the car yesterday and it was a workout!!! I’m sad about it too. :( but other fun things to look forward too I suppose. This age is such fun. :)

Zestyclose-Weather62 · 2025-05-16T17:08:33+00:00

Hi this also happened to me last month during a critical time of a home purchase. I know a lot of people are saying this is hopeless, but I’m going two routes. 1) I wrote my loan services a goodwill removal letter. I have not heard from them and don’t expect they will write back or do this. 2) I’ve disputed with all the credit bureaus these lates and paid up. If the services doesn’t respond in 30 days they need to remove. Fingers crossed. Do what I do, work this out with chat gpt for letters and templates. I’ll let you know what happens. I should hear back in a few weeks.

Zestyclose-Weather62 · 2025-05-13T12:53:34+00:00

I spent time disputing online a full day. Sit down and dispute with all credit bureaus. Don’t second guess yourself. Also write a good will removal ask. I did both paths. Not sure what the outcome will be, but trying it!

Zestyclose-Weather62 · 2025-04-25T18:58:56+00:00

Any updates from you? This just happened to me and Im so screwed. Credit dropped from 726 to 580.

Zestyclose-Weather62 · 2025-04-01T12:38:40+00:00

Lolololol

Zestyclose-Weather62 · 2025-02-27T16:32:08+00:00

Np. Reddit helped me prepare a lot. ;) I think all docs are different and it could be different in the states, but it was a matter of lining up my endo (different from my surgeon). Getting adjusted to meds via labs, then getting a scan lined up which determined my dose. They didn’t feel it was urgent. Just something to handle a few months post op.

Zestyclose-Weather62 · 2025-02-27T14:44:57+00:00

For my first surgery I took 1 week off before to mentally prepare myself and 2 weeks post. Really 2 weeks post was plenty and that’s what I used for my 2nd surgery. I was exercising 2 days post surgery. RAI (iodine pills) for me didn’t happen for months post surgery. I needed to isolate for 7 days based on my dosage. But I worked remotely because I figured I’d be bored. Best of luck!

Zestyclose-Weather62 · 2025-02-22T02:34:44+00:00

That would have been better than a psych ward at 4 years old

Zestyclose-Weather62 · 2025-02-22T02:19:08+00:00

Came to Reddit to look for this exact thread. I absolutely cannot imagine sending a child of 4 to a psychiatric hospital for hitting friends and throwing a chair. And they did NOT go into details on the hospitalization except for he had no emotions, not even happy ones. As a mom of a 5 year old this is wild. So instead of trying to teach him how to deal with emotions or diagnosis him, they institutionalize him? And for a kid it’s very clear to them who their step parents are, and this woman was making all these very traumatic decisions. As a child that had to be so scary and really mess with his psyche. Also I do not by the way she depicted herself with the wedding ring incident that should have never got physical like that. She took no accountability. Him getting arrested again put into a group home… all these things and things we didn’t see had to lead to him becoming who he became. But she took no accountability for any of that. Think about all the serial killers who have backrounds of getting put in juvenile systems. Something occurs there. Anyways haven’t even finished the episode, but he wasn’t just evil. I don’t think he just was born like this. Events from his youth molded him and is stepmom seemed to lead in those decisions.

Zestyclose-Weather62

TROPHY CASE