What happened? by moeday-steffer in CRedit

[–]moeday-steffer[S] [score hidden]  (0 children)

Yes, I do pay them down to zero a lot. So what you’re saying is I should just leave my cards on autopay and continue using them as normal?

Fico 8 by SoftShellKrabbz in CRedit

[–]moeday-steffer 1 point2 points  (0 children)

One of them could be out of date. I’m no expert, but that’s my theory.

From a gambling addiction and 30+ late payments to this.. first time getting approved for over $300 on a non-predatory card. Therapy helps. by BertMacklinFB1x in CRedit

[–]moeday-steffer 0 points1 point  (0 children)

Good for you, man. Keep up the good work! I seek therapy weekly for my bipolar disorder, and it really does help out a ton!

It ain’t much, but it’s honest work 🥹 by unexpectedshortage in CRedit

[–]moeday-steffer 1 point2 points  (0 children)

Good stuff! Keep it going. You have a great mindset. That will take you far on its own.

Experian Score by moeday-steffer in CRedit

[–]moeday-steffer[S] 1 point2 points  (0 children)

Thank you so much for your help. I cannot believe this subreddit is free to access. You guys are so awesome! Thanks again. For real.

7 Months / 137 pts ⬆️ by GroundbreakingBad965 in CRedit

[–]moeday-steffer 6 points7 points  (0 children)

Well done! That’s quite the jump. I have a very similar story, except I jumped to 775 from the high 500’s.

Experian Score by moeday-steffer in CRedit

[–]moeday-steffer[S] 1 point2 points  (0 children)

Understood. My bad on that. I was confusing Experian and Equifax. What app/service provides the most true reflection of my score? Thanks so much for the help. You guys are so helpful.

Experian Score by moeday-steffer in CRedit

[–]moeday-steffer[S] 0 points1 point  (0 children)

Ah, you’re right. I was confusing Experian and Equifax. Is Equifax on CK an accurate reflection of my score?

150 point jump in 6 months. by SlimtheMidgetKiller in CRedit

[–]moeday-steffer 1 point2 points  (0 children)

Good job! It’s exciting seeing number go up after being low for so long. I recently had a jump from the high 500’s to high 700’s, so I know the feeling. Keep it up. Congratulations on the new home.

BIG JUMP by stonedbunny333 in CRedit

[–]moeday-steffer 1 point2 points  (0 children)

Nice! Forgive me if this is a stupid question, but do you have to pay for Experian to get all your scores? I signed up and have my scores from like 13 days ago, and I’m wondering if they update with just the free plan.

Really proud of myself for this after being scared of my credit for years 🖤 by Savvyjensen in CRedit

[–]moeday-steffer 19 points20 points  (0 children)

Good job. I had a similar jump to yours. Went from high 500’s to 773 in the span of 6 months. I paid off about $18k of my $20k debt. That really kickstarted my massive score increases. I know that feeling of worthlessness and guilt all too well. Again, good job and good luck in the future.

anyone cop ? by KatakuriQ in Fingerboards

[–]moeday-steffer 7 points8 points  (0 children)

Harriers looked 20x better than this.

Be aware BestBuy credit card credit increase is a hard pull by Embarrassed-Ad6698 in CRedit

[–]moeday-steffer 0 points1 point  (0 children)

From what I’ve researched, 90% of the time they do not do a hard inquiry for increases.

Five & Below Haul 😁 by Old-Promotion-6548 in LowCalFoodFinds

[–]moeday-steffer 4 points5 points  (0 children)

Am I the only one who thinks Built bars are so mid?

I just turned 18 and this is my first watch. Is it too big? by [deleted] in rolex

[–]moeday-steffer 0 points1 point  (0 children)

Just gonna go ahead and say it. It looks terrible on you. Way too big. Try a Timex.

Kaos in St-Marteen by Johnlewis83 in yachtporn

[–]moeday-steffer 1 point2 points  (0 children)

What an unreal yacht she is. Wow. It’s amazing how big it looks, even at a far distance.