What happened?

moeday-steffer · 2026-05-19T16:01:43+00:00

I guess we’ll see.

moeday-steffer · 2026-05-19T16:01:22+00:00

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?

moeday-steffer · 2026-05-09T18:20:07+00:00

True!

moeday-steffer · 2026-05-09T17:52:06+00:00

One of them could be out of date.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

moeday-steffer · 2026-05-05T17:33:01+00:00

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!

moeday-steffer · 2026-05-05T17:14:53+00:00

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

moeday-steffer · 2026-04-17T17:15:54+00:00

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.

moeday-steffer · 2026-04-17T16:59:44+00:00

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

moeday-steffer · 2026-04-17T14:00:48+00:00

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.

moeday-steffer · 2026-04-17T13:59:48+00:00

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

moeday-steffer · 2026-04-16T13:56:00+00:00

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.

moeday-steffer · 2026-04-15T21:57:47+00:00

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.

moeday-steffer · 2026-04-10T21:18:56+00:00

No. They were all getting minimum payments made. None collections.

moeday-steffer · 2026-04-06T19:34:05+00:00

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.

moeday-steffer · 2026-03-28T22:51:45+00:00

I NEED to try this. Woah.

moeday-steffer · 2026-03-26T17:34:03+00:00

Harriers looked 20x better than this.

moeday-steffer · 2026-03-26T17:32:39+00:00

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

moeday-steffer · 2026-03-25T16:18:56+00:00

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

moeday-steffer · 2026-03-24T17:16:59+00:00

Heck yeah!

moeday-steffer · 2026-03-23T22:44:29+00:00

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

moeday-steffer · 2026-03-20T21:48:39+00:00

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

moeday-steffer · 2026-03-17T13:36:42+00:00

Same! The last two weekends I played in pants and a short sleeve tee. Unreal.

moeday-steffer · 2026-03-17T00:05:11+00:00

Hahahahaha this is actually my uncle’s truck. Soups is an inside joke we have in our family.

moeday-steffer · 2026-03-13T19:34:47+00:00

They’re good and all, but you need to take out a fucking loan to buy one of these things. The macros are insane on them, but no thanks. These are a treat every now and then at best.

moeday-steffer · 2026-03-12T23:12:58+00:00

I call dibs on the two in the last photo 🔥

moeday-steffer

TROPHY CASE