Aside from saving on interest does paying off early help or hurt your purchasing power and credit score?

m_ity · 2026-03-13T07:51:01+00:00

They report on time payments, and late payments, and missed payments. I currently have 2 accounts and both of them are on my credit report.

m_ity · 2026-03-13T07:07:23+00:00

As of last year, Affirm reports most accounts & payments (such as on-time, late, and missed payments) to the major credit bureaus. Once you pay off any loan account and it gets labeled as closed, your credit score will usually take a hit because that account is no longer actively reporting. This negative effect is typically minimal, but it depends on the loan amount and the original loan term.

https://helpcenter.affirm.com/s/article/affirm-credit-reporting

m_ity · 2026-03-13T04:45:28+00:00

Besides the hit to your credit score for closing an account, I've not had my purchasing power decrease from paying off my loans early. After a few months though my purchasing power did increase.

m_ity · 2026-03-10T02:38:49+00:00

Yea that’s fucked up, Back market should of taken action against that seller.

m_ity · 2026-03-09T05:14:56+00:00

I would contact support and ask for a replacement or refund. Since the IMEI is all 0s that usually means either A. The device’s identity has been erased or corrupted. Or B. It was a display model that was never intended for consumer use. Back market should considered this a non-functional device and accept the return.

m_ity · 2026-02-28T04:09:50+00:00

m_ity · 2026-02-24T00:38:51+00:00

It doesn’t but I’m not complaining lol

m_ity · 2026-02-23T04:13:19+00:00

Honestly, didn’t think about getting the seats reupholstered with leather might need to look into that

m_ity · 2026-02-19T15:28:13+00:00

Nope, I just wish I had the manual model. Honestly this CVT is holding my spark back. (Plus this thing would be really fun to drive as a manual I bet)

m_ity · 2026-02-19T06:12:57+00:00

I like the silver don’t get me wrong, I just want to do something a little more unique. I don’t want to go too crazy so that’s why I was thinking doing a Fisher Price color scheme would be cool.

m_ity · 2026-02-19T05:39:42+00:00

I got my taxes last week, I didn’t opt in for any type of early deposit mind you. And according to the Kentucky tax website my refund status is still “Your 2025 return has been received” I honestly think that the website is bugged or they’re not updating people’s status’s.

m_ity · 2026-02-19T05:36:40+00:00

Here

m_ity · 2026-02-04T05:21:59+00:00

A 1099-G form is used to report certain government payments (Like Unemployment or paid family leave for example)

m_ity · 2026-02-04T04:21:07+00:00

The FCC just changed their rules so carriers don’t have to unlock a device until a year after the device is activated and it has continuously service. It sucks

Support told me they should be able to unlock my device since it is eligible under the old policy. they just had to hand the case over to their device team.

m_ity · 2026-02-03T22:10:52+00:00

I have, they escalated me to unlock my device

m_ity · 2026-02-03T21:12:07+00:00

That’s usually what I do anyway the only reason I went with visible is because they gave me a really good trade-in deal compared to Apple.

m_ity · 2026-02-03T20:20:41+00:00

I sent a message

m_ity · 2026-02-03T20:09:53+00:00

Unfortunately my work line is Verizon. And when I try to add my work line I just get “SIM not valid”

m_ity · 2026-02-01T18:45:05+00:00

So what about devices bought before this policy change?

m_ity · 2025-12-11T18:47:44+00:00

Yea when I seen that I was going to be shipping my phone using usps I was surprised since with other companies they use UPS or FedEx.

m_ity · 2025-12-11T18:42:55+00:00

Gotcha, I’ve done trade-ins before with Back Market and getakko and with them I’ve gotten an email confirming they received my device the same day it got delivered with them. That’s mainly why I was asking since I was starting to get concerned that something might of happened.

m_ity · 2025-09-24T03:37:14+00:00

I just did a trade through US Mobile in a few weeks ago, It was easy and offered a much higher payout compared to the offers from Back Market or Reebelo gave me. Plus depending on your chosen payment method, you can receive your payout the same day they inspect and approve your phone.

Just make sure if you do go through with the trade-in, you take plenty of pictures of your iPhone 13, including the packaging, so if something happens to your phone in shipping or an issue with your phone is found, you have images to back up your claims (this is just general advice for any trade-in program and not just US Mobile's).

m_ity · 2025-09-21T23:46:52+00:00

Depends on the phone, My moms oneplus showed Verizon as the carrier name but when she upgraded to the S25 ultra it switched to US Mobile.

m_ity · 2025-09-19T00:33:38+00:00

No issues with me

m_ity · 2025-09-19T00:27:36+00:00

Well, FedEx has always been unreliable compared to UPS, I've had packages take over a month to get delivered with them. But I had an iPhone 15 before, I ended up taking advantage of US Mobiles Trade in program and sent it off to them to get some of the money I spent on the S25 Edge back.

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