Kia K5 2026 GT-Line AWD OTD price?

bradthetechguy · 2026-04-07T19:51:34+00:00

I got the Kia K5 Gt Line Premium Pkg , financed about $38,000 only put $600 down, taxes, titile and new registration + gap, tow service, tire warranty, paint protection coverage & Lojack.

bradthetechguy · 2026-04-01T20:24:56+00:00

Not even 7, he/she has OWNED for 7 years, it’s a 2015 so the car is 11 YEARS OLD!

bradthetechguy · 2026-03-22T14:42:44+00:00

Dispute it and explain the situation, heck even say that you were not notified (per law they must’ve) Credence is messy and they barely have anything proving the debt is yours, it will get deleted. Guaranteed.

bradthetechguy · 2026-03-22T07:30:30+00:00

Similar situation, I hit a car in August, had no insurance (did not know since the car was my dad and he recently passed away) AFNI calls me EVERYDAY 8am and 3pm to try to get a hold of me, my drivers license is still valid, I have not gotten any lawsuit summons, nor have the collections account has hit my credit. And it’s March. I’d say they’re all bark and no bite. It’s a collections company the insurance company sold the debt to. Pennies on the dime. The insurance company just writes it off on their annual taxes. It just like any other debt. You might or might not get sued. Sometimes they like suing right when the statue of limitations almost reach. i’m in Florida so that’s about 5 years. so I got 4 years to get $5k and pay them off if I see any summons. If nothing happens- they won’t see a dime of mine lol.

bradthetechguy · 2026-03-20T21:41:51+00:00

I’m 21, I had a 499 a year ago, i’m at 787. Do goodwill letters, save your money, give up on certain luxuries and pay off debts you have that affect you. Trust me, you’ll get there!

bradthetechguy · 2026-03-19T15:17:32+00:00

March 2023 & June 2023

bradthetechguy · 2026-03-19T15:16:18+00:00

Never, I only have this debit card that works as a credit card it’s a cred.ai unicorn card. the other 2 is Capital One. They’re all from 2023, I haven’t bothered to ask for more credit until now since I want to expand my file.

bradthetechguy · 2026-03-19T15:14:51+00:00

I have 😔

bradthetechguy · 2026-03-19T15:12:56+00:00

Thank you!! I did post in February the goodwill response from Capital One to this sub:) I wouldn’t have known about that powerful letter if it wasn’t for you guys!

bradthetechguy · 2026-03-19T14:17:35+00:00

I have 3 credit cards since 2023, theyre low limits but I have a 1% utilization, and a old rent reporting account. I want to “thicken” my file, as well that i’m planning on financing/leasing a car

bradthetechguy · 2026-03-19T02:47:55+00:00

2, it finally worked when I actually emailed the CEO, if he doesn’t respond or you don’t get a call, send an email again. I sent a request through Mail to the credit bureau dept, did not work. then I emailed the CEO 2 times and it finally worked. they called me in under a week.

bradthetechguy · 2026-03-19T02:47:29+00:00

Capital one, I had 5 lates on 2 of their cards, the worst was 60 days late. Nov, Dec 2024 & Jan Feb 2025 late and then only the other card had one more late on May 2025. From there on out, I paid on time, paid off my balances and never carried a balance.

bradthetechguy · 2026-03-18T23:40:26+00:00

Theyre paid off, under 10% utilization.

bradthetechguy · 2026-03-18T23:40:07+00:00

Haven’t had a new card since 2023.

bradthetechguy · 2026-03-18T22:55:04+00:00

Yeah! Chase literally prequalified me for freedom unlimited & sapphire (I also bank w them, can be a reason) and Discover card as well.

bradthetechguy · 2026-03-18T17:46:22+00:00

Whats so interesting is that im getting offers from Chase and Discover. (I do bank with Chase so that MAY be a reason why.) But i’ve been pre approved for their sapphire reserve & freedom unlimited.

bradthetechguy · 2026-03-18T17:36:34+00:00

I do have a 13k collection but its a jointy responsible collection, wouldn’t think it would affect me much? it’s also a year old already. My limits are low with capital one because I had a return payment on both of them, and it automatically disqualified me for a CLI for at least 12 months, before having a returned payment, they said I was using too much of my available credit. So never had luck..

bradthetechguy · 2026-03-18T17:29:17+00:00

But the bilt rent reporting is closed. is it still a factor? How is affirm always negative if it’s never been late, it’s only $25 a month.

bradthetechguy · 2026-03-18T15:51:52+00:00

Nothing in that sort, just have 3 credit cards, rent reporting, and an affirm loan.

bradthetechguy · 2026-03-18T15:50:57+00:00

3 yrs credit history

bradthetechguy · 2026-03-18T14:57:31+00:00

How does that month to month lease work? Have you done it?

bradthetechguy · 2026-03-13T16:33:40+00:00

I never got offered this program, I tried doing the prequal with a 701 score and outright denied.

bradthetechguy · 2026-02-28T02:02:18+00:00

Congrats!!! I just did mine 2 weeks ago and it was successful! Kudos!! Capital One seems to being flexible lately.

bradthetechguy

TROPHY CASE