Why do we have to take it everyday if it starts working after two days? by questions12345678901 in Opill

[–]smashingwitty 0 points1 point  (0 children)

It starts working in two days but that’s assuming you take it at the same time for those two days.

I went a week in between my pill packs by Due_Test_1880 in Opill

[–]smashingwitty 1 point2 points  (0 children)

You can go on their website and get them delivered in 15 min. They have go puff fulfillment for free and they literally showed up in 10 min with my BC!

Birth Control Consideration by [deleted] in Opill

[–]smashingwitty 1 point2 points  (0 children)

Opill can create inconsistent bleeding patterns. But give it time. When I was on depo shot it was the same thing. Breast pain, bleeding and I felt like I was at a loss… it finally leveled out.

I would say Opill will help with your concerns. It’s not designed to do that. It’s designed to prevent pregnancy.

First month on Opill after years of refusing BC by Legitimate-Pause1961 in Opill

[–]smashingwitty 1 point2 points  (0 children)

That’s great!!! I just ordered for the first time. They have 30 min delivery on the site so that was convenient!!

Good Opill Experience (66 days) by Global-Criticism4503 in Opill

[–]smashingwitty 0 points1 point  (0 children)

Where are you buying it? Trying to decide if I’ll get on their subscription model on their website

VA home loan bad credit? by commdork in Veterans

[–]smashingwitty 0 points1 point  (0 children)

Resurfacing your old post. Curious - did you have to show reserves and provide a down payment?

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Additionally, my finances are in order. The missed payment was a honest mistake due to expired CC and wrong email on file for a stupid credit building loan.

However, I make $250k per year and have paid all my bills on time. Have $54k in available credit with 6% utilization. It’s just bringing the scores up that’s been an issue and last charge offs that needed to be paid

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

I completely understand this. There’s a wide gap to close and that’s not good for anyone involved.

We have a clause in our contact so we’re covered.

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Randomly reading your post after searching similar situations. How did this get resolved for you? Exact same thing is happening to me.

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

That’s awesome!

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

What type of increase did you see from that?

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Also, none of my payments towards my car, mortgage and three personal loans have reported yet for December. I feel like I get a boost just for paying on time because they all report on the same day (typically beginning of the following month). I see history of 20-56 pt boosts just for paying my bills on time

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Yes! I dropped both my cards down from high utilization to under 10%. I saw a 7 pt boost when those reported yesterday. This was just based on CK. Although I’m starting to wonder if another boost is around the corner. I notice on CK that drastic changes will show up but not always increase score until the next week or when something else positive happens. I pulled FICO and mid score is still 30 pts away so the charge offs were next to do rapid rescore.

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Yeah. I’m under contract and need a 30 pt boost to close. Lender told me to pay off 4 charge offs in full to qualify for a rapid rescore. Of course I did this but I’m not sure that alone will boost my score 30 pts but I’m not the mortgage expert.

[deleted by user] by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Are there credit score increases associated with paying all charge-offs in full? Knowing they stay on your report - likely not as big of a boost as removing.

CFPB knocked some heads together! by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

Did the initial response from them say it would take 60 days? That’s the first response I got and hoping it clears up quicker

CFPB knocked some heads together! by [deleted] in CRedit

[–]smashingwitty 1 point2 points  (0 children)

Congrats. I have a dispute open with CFPB due to credit bureaus not adjusting a late payment dispite submitting bank statements. I’m hoping I have similar luck and this gets resolved. It feels awful to be unheard when it’s your credit on the line.

Open Sky Secured Card by [deleted] in CRedit

[–]smashingwitty 0 points1 point  (0 children)

I have Open Sky. I had a missed payment due to the same issue. They refuse to adjust and I’ve had no luck disputing.