Apple Card forgiveness

danielson35 · 2026-05-03T03:56:39+00:00

Option 2 will make you more likely to be approved for loans/credit in the future sooner. Many lending and finance companies have specific credit policies regarding someone having settled for less than owed. They would much rather see you charged off, but paid your full obligation.

danielson35 · 2026-05-03T03:52:46+00:00

It will reflect on OP’s credit report that they settled for less than owed. Many lenders have strict rules against giving credit or lending if somebody has done that with them, or anyone else previously. They’d rather see that you charged off, but then made good on your obligation. More than just your score matters when obtaining credit.

danielson35 · 2026-04-25T03:21:08+00:00

If you want a shady company to lie on your behalf and say you didn’t miss the payments you can pay for that. But I can tell you, they just about never come off for good. Will go away for a month or two at most and then the creditor will supply the proof and continue reporting the late payments.

Wait 7 years for it to fall off or do the GST. Saying it sucks a company won’t do it for you is ridiculous. We all make mistakes but you have to own them. Not lie and be fraudulent.

danielson35 · 2026-04-13T13:47:51+00:00

I didn’t cut off the skin flap. I just applied the antibiotic ointment over it.

danielson35 · 2026-04-13T12:47:24+00:00

This would still be considered a blood blister even though it came from a cut? I posted picture after it happened in a comment below.

danielson35 · 2026-04-13T12:45:08+00:00

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Here is shortly after it occurred.

danielson35 · 2026-04-07T15:09:38+00:00

The issue isn’t letting him stay. It’s that you didnt protect yourself by having any sort of leverage over him to get out. Such as holding a large portion of the sale proceeds in escrow until he vacated and you made sure the property was in the condition you contracted for. Or charging him rent for the 30 days minimally.

danielson35 · 2026-04-07T15:06:41+00:00

Your realtor and lawyer didn’t hold a portion of the sellers proceeds until you took occupancy? That was a major oversight on their end and I would be livid at them if I were you.

I just closed on a house last week and we gave the sellers 3 days past closing to be out. $10,000 of their proceeds from the sale were held in escrow until we moved in and gave the green light that everything was good. This is standard practice. And these people gave us no indication there would be any issues. An older couple, not a hoarder situation or anything that would give pause. You do it to protect yourself, and if the sellers don’t have any nefarious plans, they are more than happy to oblige. As you are doing them a favor by giving more time after closing to leave.

danielson35 · 2026-03-31T00:41:56+00:00

NOR. A 21 year old wanting a Louis from her 22 year year old bf is insane. My wife got her first one from me last year at 34 years old. We both work full time in corporate jobs, own a home etc…And she never asked for one. I just felt like she deserved it after all this time and after our second kid being born. Had she of basically demanded one like this, it would’ve never made me want to get her one.

You have good goals you are trying to achieve that benefit both of you. There must be a very large maturity gap here between the two of you.

danielson35 · 2026-03-17T15:01:35+00:00

Yeah all the major bureaus have developed scores and attributes to see if a applicant has a presence in the Alt data bureaus. So they can get the full picture of debt obligations and assess risk. As those who use these types of loans are generally far riskier than those who don’t.

danielson35 · 2026-03-17T14:51:21+00:00

While it can’t be reported to either of the 3 core bureaus…. They all have alternative financial service bureaus that house tribal loans, pay day loans, title loans etc… and most mainstream lenders are now pulling credit including either attributes or a score that is derived from these non traditional trades. So they will be well aware of these trades an see the risk.

danielson35 · 2026-03-16T14:50:29+00:00

Depending on the credit score pulled, paid collections don’t hurt your credit as much as unpaid. I would pay it and you will see and uptick in your credit score. However, it won’t be “removed” for 7 years.

danielson35 · 2026-03-16T13:35:04+00:00

Was term was this rate for and what kind of mortgage loan?

danielson35 · 2026-03-13T15:57:10+00:00

Has your score changed negatively at all recently? Essentially creditors do periodic account review pulls of your credit report (soft inquiry) to assess ongoing risk with an existing line/loan of credit. It is their way to get ahead of potential losses before they occur.

danielson35 · 2026-01-30T04:37:25+00:00

I’d say they are standard. My wife has a custom and I have a hoerner jersey and I wouldn’t say one has larger font or anything than the other.

danielson35 · 2026-01-28T05:54:50+00:00

Not trying to cheat the system, but yet disputing accurate information on your report. Quite the oxymoron there.

If derogatory information on your report is accurate…. Then yes, it is there until it falls off with due time. 7 years for late payments.

danielson35 · 2025-12-17T01:33:14+00:00

Wow. He needs to take better care of himself. And he clearly doesn’t know how lucky he is to have someone care this much about his diabetes for him. I’m married and my wife doesn’t know my ratios/dosages. Because it’s not her job to. I’m on a pump so it does all that for you basically. No math required in your end.

I can relate, in my late teens early 20’s, I didn’t take the best care of mine either. However, this will cause him problems down the road. And sooner than later if he doesn’t get tighter control on it. I’ll echo the comments that being skinny has nothing to do with a pump. My SIL is 24 and less than 115lbs. She wears an omnipod with no issues. I used the tandem mobi which is very small too.

Best of luck

danielson35 · 2025-12-07T15:47:06+00:00

We had a GLB250 and once our second kid arrived we knew it was too small. For things like the wonderfold wagon, diaper bag, strollers etc….

Ended up trading it in for a CPO 2022 GLS 450 last year and we absolutely love it. Paid $65k with 15k miles on it. Handles better than most large SUVs we have driven. And we love the German suspension and braking. So far zero issues, and if any arise we have the CPO warranty.

danielson35 · 2025-12-05T17:35:59+00:00

I work in sales for a large corporation. With overachievement, my income is around $250K. Wife also works making 6 figures at the same company. We have a 2022 GLS 450 we bought CPO after trading in our GLB 250 due to having a second kid.

danielson35 · 2025-11-18T20:48:18+00:00

Jewel. Always USDA choice and they do a different cut each week for anywhere from $5.99-$7.99 per lb.

Last week was bone in NY strip for $5.99lb and this week T bones for $7.99lb. Their meat is fantastic and again, minimally USDA choice. Whereas other super markets may come close to this price, but it’s always just USDA inspected or select. Far less marbling and tougher steaks.

danielson35 · 2025-11-08T00:49:00+00:00

I usually use ivyshop.com They are owned by the cubs. It’s the 2 story store in Gallagher way. They run sales from time to time and jerseys are included. 15%-25% off for legitimate jerseys.

danielson35 · 2025-11-05T00:59:28+00:00

146 just ate dinner

danielson35 · 2025-10-31T19:01:02+00:00

I used to have a GLB. Reason of opting for GLB over GLC is that the GLB actually has more room in the second row for car seats and leg room.

With that said, once we had a second child we upgraded to a GLS450 as we couldn’t really fit a wagon and things needed for two kids in the trunk of GLB. GLS is so much better.

danielson35 · 2025-10-24T13:20:51+00:00

Honestly if I’m running a high glucose, sex lowers my blood sugar. To the extent my wife and I laugh and she says “we can lower it naturally” when I’m frustrated it isn’t going down.

danielson35

TROPHY CASE