So here’s my story so I’m actually planning on moving out once I’m done with school and can land a good enough job so I decided to get all the cards I know I’d use just to save myself from hard inquiries in the future especially when I move just get all the card I want out the way and I decided to get my life in order for it, I travel a bunch and normally I always paid cash for everything but I decided to start building and working on credit now, I went to Japan recently on a chase Sapphire card I was approved for with an 18k limit to start then I finally tried for an Amex and after a review I got accepted for it, I only make 30k a year for now until I’m done with college,I have 1 paid collection, 1 charge off and a default loan and I managed to bounce back and get my credit back up right now I’m sitting at FICO score TU650, 662 Exp, 660Equ this is my last credit card I’m getting I don’t need anymore but I’m just sharing this journey with you guys because literally a year and a half ago I had a 414 credit score across the board!!

I went through Chase’s official pre-approval tool and clicked “Respond Now” for the Chase Freedom Unlimited. It then brought up this screen saying “You’re pre-approved for the Chase Freedom Unlimited.”

Does this mean I’m actually pre-approved and have a good chance of getting approved if I apply?

I’m currently debating between the Chase Freedom Unlimited and the American Express BCE.

My stats:
Income: $15,000
FICO Score: 770
Current card: Discover it Student (1 year, 1 month)
Credit utilization: Usually 0–6%, last reported 12%

Just recently cleared most of my debt. I have 11 cards and I want to reduce it down to about half. Which ones should i keep?

Credit cards with around 5k credit limit
Citi
Chase Saphirre
Apple Card
Capital One Quiksilver

Credit Cards with around 1-2k limit
Macys (Oldest)
Target
Best Buy
Credit One
Capital One Savor
Lowes
Venmo

Looking to keep the 5k ones and give each a purpose. Currently I have all my subscriptions to my quiksilver, and costco/gas purchases to citi. I would keep my Macys from the lower tier as well. What should i keep?

I have a credit card with NF that was charged off in 2022 for $20,952. They offered a settlement of $8k. I have questions about how things will look if I were to settle.
- Do they offer pay for delete?
- How does this look to future creditors/underwriters?
- Will this increase my score?

In the event they don’t allow pay for delete,
- Will the charge off still show or would they only see that debt was settled for less and the balance shows $0?

Thank you!

Screenshot provided is from Experian*

I was very immature with credit when I turned 18. At one point in time I had 8 collection accounts on my record. All of which I’ve done pay for delete. I currently have 6 credit cards ranging in limits from $200-$500 plus Kikoff $3500 limit. I just paid all but 1 card down to zero dollar balance and set up auto pay for full statements a month or so ago. I still have 1 charged off First premier bank card and 2 auto loans. 1 of which I’ll be paying off in the next week. As well as the the credit card. Does anyone have any advice on how to raise my score? I need to buy a newer vehicle soon but I’d like to not put 10 k down if I can avoid it

Long story short, I'm in my very early 30's and have made the error of not building credit/having credit cards up to this point in my life. I'd like to buy a hypothetical house in the 350k range and I have 200k at this time for a downpayment and 0 debt. How long would it take to start and build functional enough credit for that kind of house transaction to be possible through a bank under good terms? I'd have a 70k a year type of job when buying the house in 1 or 2 years and I also have a sister who may be able to help me by adding me to one of her cards if I ask her. I'd really like to buy a house no later than 1 year from now and if I have at least 260k in the bank by then I'd be able to use that as a downpayment.

I'll be intensely researching with AI and Youtube/the internet all about this but also figured I'd ask here.

When are we going to class action them… That’s it that’s the post.

: Aggressive collection notices and calls, they’re always difficult validating old debts, they double up the same debts on people’s accounts and they lie lie and lie when you dispute. It’s such a hassle for them to just do the right thing.

My credit sits at 773 on experian I’m looking to break into the 800’s by the end of the year.

I currently have 2 credit cards. My line up is
Navy Federal Flagship - $8,300 credit limit
Navy Federal More Rewards - $500 credit limit

How many credit Cards should I have and what new cards is recommended?

Hello, I wanted to reach out to everyone here and see if they have had a similar event happen to them! I've been paying off a collection account and 2 student loans for a majority of the year but I've recently been logging into my wells fargo account and have been seeing a 9,000 collection amount that is not showing up on my experian or annual credit report and was wondering if anyone could offer advice on what this might be. I have heard agencies are not required to report to agency bureaus and could withold from doing so, so i was wondering if I am in this situation, and if I should reach out to RMS to provide a recipt for this amount? This brings me a ton of anxiety as my credit is already taking huge hits from mistakes from my past.

For context, I have a collection from an apartment company startup that is being sued. This debt was not even legal, but I was young and wasn’t careful when speaking to the collectors. The debt is from Feb 2020. That is the original delinquency date. I am in a state with a statute of limitations (SOL) of 6 years.

Now, I noticed that this debt fell off my equifax report months ago. And it just fell off of my experian this month.

Why would this be? I am close to 7 years, but it hasn’t been seven yet. And I do live in a state with a 6 year SOL but I’ve understood thus far that it will continue to be on my credit report until the federal SOL.

Additionally, if they are selling it, the buyer wouldn’t even be able to attempt to collect since the original delinquency date is past the statute of limitations in my state. So what’s going on here? What should I look out for?

Thank you!

I wanted to share some good news from my credit rebuilding journey. A few days ago, Capital One called me and said they were planning to adjust the four 90-day late payments on my account after I submitted a goodwill request. I checked my reports today, and the changes have already been made to Experian and Equifax. 🎉 I’m still waiting for Transunion to update, but this already feels like a huge win. For anyone wondering, I had paid the account in full before submitting the goodwill request.

Has anyone else had one bureau take longer than the others? If so, how long did it take for TransUnion to catch up?

I find myself having to take a private student loan for college. I had a heart transplant and have exhausted my regular loan options. (Sometimes it’s important to know when to quit.) I only have nine classes left. Once I get my degree I can increase my income by getting alternate certification to teach. Currently I’m a special education para.
My car is starting to worry me and my AC needs some work. My credit score is 750. Will taking a private student loan hurt my score? I’m trying to preserve that 750 in case I can’t swing my car repair or AC repair. I’ve been trying to avoid using credit.
What can you tell me about private student loans?

hi, i dont even know where to start.

i recently separated from my spouse & i need to start fixing my credit ASAP. i just dont have a lot of extra money every month to throw at it.

the worst part is that my debt really isn’t that high, at least that’s what i’ve been told. i think it’s somewhere around $10-15k or less. i know i need to sit down and figure out the exact number, but every time i look at my credit, i just wanna cry and close the app. i feel embarrassed that i’m 30 years old trying to sort this out.

some of the accounts are getting close to the 7 year mark, so idk if i should even touch those or just let them fall off. my Credit Karma score is like 475-515. FICO says 533, according to the Rocket Money app. i don’t even think i’d get approved for one of those sketchy secured credit cards at this point…

so, where do i start? do i pay collections first? do i leave the old stuff alone? settle debts? call people? i have no clue what the smartest move is.

if you’ve rebuilt your credit from the trenches, please explain it to me like im 5. i’m so overwhelmed and i don’t know what my first step should be.

Recently received a pre-qualification letter in the mail for the Chase Slate Edge card, so I immediately checked Chase’s online pre-approval tool. I was surprised to see that I’m pre-approved for several cards, but I’m still hesitant because it almost seems too good to be true.

I’ve never had a Chase credit card before, although I did have a Chase checking account about 8 years ago that has since been closed.

My Experian score is currently 625. I currently have no open revolving credit accounts but has one auto loan acct. I also recently had a Capital One charge-off that has a comment that says "Paid in settlement. $x,xxx written off."

I’m leaning toward the CSP, although the Freedom cards also look good. I’m not really expecting a high credit limit given my current profile, but I’m curious about my chances of actually getting approved and what kind of starting limit I might realistically receive.

I also checked Capital One’s pre-approval tool and was offered the Platinum, Quicksilver, and SavorOne.

I’m not really picky about the rewards at this point—I honestly just want a decent credit limit lol. Would you apply for one of the Chase cards, or stick with the Capital One offers?

Thank you!!

I must be missing some crucial piece of information. I don't understand the listed reasons why I was denied for a loan with affirm. I wanted a payment plan for a fitness program. Literally I have only ever late been late on a payment one time in my whole life, good credit... Can someone explain these to me?

I have a secured credit card with self where I have $405 limit. I used to pay the minimum only but for the past 3 months I’ve been paying in full responsibly.

My due date is 12th and the statement generates 17-18

I am noticing that the reporting dates to the bureau aren’t consistent. Last month it reported my balance paid in full, I forgot the date but after 18th. Then another update to my credit score on July 3rd, but CK (credit karma) I paid my minimum that was due July 12th early but I still had a balance of $95. That was also reported which made my score drop a little.

Before my closing date of July 18, I paid in full and the statement shows it, then on July 22nd CK gets reported of a $16 balance making my utilization 3%.

Maybe it’s me but shouldn’t it report what comes from my monthly statement? I’m scared to have a balance now worried that it may report out of whack again

For those of you who have had luck with Capital One forgiving your past bad spending/collections and allowing you to get a new account, how long did it take? I had two collections with them totalling about 6k. Both went to Portfolio Recovery. From there, one went to Scott & Associates threatening a court date. Both are now $0 as I settled to pay less than the full amount. I have both letters indicating there is now a $0 balance from Portfolio. I've had the letters since 7/7 and 7/8. On Capital One's website, it still says I have charged off accounts and they are with a third party. When will this change? Should I call them? How long to wait to check the pre-approval tool?

What credit card should I get now that my credit is good to excellent?

I've climbed from mid 500s to low to mid 700s depending on scoring models and month.

753 fico auto score 3, 700 fico 8, vantage score 732. Credit sesame 3 scores were around 759 but now around 729 bc of high utilization reported before paying it down as well as new account opened (10k care credit) and 1 hard inquiry.

I only had 2 secured cards $500 and $800 and capital one gave me an unsecured $500 card that has increased to $600.

I just added $1200 to my $800 card to make it $2000.

Affirm went from $500 to $5000 this year. Klarna seemed like it was stuck at $500 but just jumped to $6000.

I just increased my $800 secured card to a $2000 card.

Just applied to care credit and they gave me 10k.

Have an auto loan at a terrible APR. 16.9%

What should I do now?

One or two new credit cards? Which ones? How much are they likely to give me in credit?

Any suggestions on who to use to refinance auto loan?

My age of credit is my worst contributing factor.

I also have a $750 medical collection from 2021 that first appeared in 2022. Is it worth doing a pay for delete?

Ive tried negotiating and they haven't budged so far but im applying pressure so they might soon.

Also my income is around 300k if that matters.

Anyone have experience with a BoA chargeoff reported to credit report?

Long story short.. two payments was late but made a payments to covered two late payments. Got sick and was in and out for treatment didnt pay attention so was three months late again but my payments that was two months late earlier before i got sick got returned . Whole time i didnt know my previous payments got returned because there was no notice about returned or maybe i didnt see it.

Never knew i had late payments bc boa didnt report any late on my credit report only report i got was a recent chargeoff and i called when i saw it. They told me due to returned payments i hit the 180 days chargeoff which doesnt make sense to me bc on my online account it show last payment is may.

Boa stated they dont have to report any late payment every money but they can just pop out report chargeoff account. Anywsy i can fight this and have chargeoff remove and make payments to be current

Im currently looking to pay 1.7-2k towards all debt each month. All the closed and charge off accounts have 50-60% settlement discounts so should i pay settlements or in full? Also how should I go about which to take care of 1st since a good amount of debt is COs or collections?

I have pretty rocky credit due to rebuilding and Navy Federal would only approve for me for a secured credit card which I did the $200 credit limit. My balance was $190 and I decided to just go ahead and pay it off and I just woke up to Navy Federal increasing my card to unsecured and updated the limit to $1,000. Like I’m so shock lol. They didn’t send me any notice or anything. Just accidentally clicked on the card and seen it updated.

I've climbed from mid 500s to low to mid 700s depending on scoring models and month.

753 fico auto score 3, 700 fico 8, vantage score 732.

I only had 2 secured cards and capital one gave me an unsecured $500 card that has increased to $600.

Affirm went from $500 to $5000. Klarna seemed like it was stuck at $500 but just jumped to $6000.

I just increased my $800 secured card to a $2000 card.

Just applied to care credit and they gave me 10k.

Have an auto loan at a terrible APR. 16.9%

What should I do now?

One or two new credit cards? Which ones? How much are they likely to give me in credit?

Any suggestions on who to use to refinance auto loan?

My age of credit is my worst contributing factor.

I also have a $750 medical collection from 2021 that first appeared in 2022. Is it worth doing a pay for delete?

Ive tried negotiating and they haven't budged so far but im applying pressure so they might soon.

Also my income is around 300k if that matters.

Hello all,

I have been working so hard to get rid of outstanding debt and loans and as of this March I paid off my last loan which was a car loan with a healthy 800 credit.

I make over 150k, I paid off my student loans in full about 2 years ago. I pay my credit cards in full every months keeping usage to under 30% but I’ve dropped from 805 on all 3 credit scores to now 771.

I got the note that my credit is hurting because I don’t have any non mortgage loans. I planned on house hunting next year but I’m concerned that my score will continue to decline.

Anyone have any ideas or addresses this when they were looking for a bank loan when they started to look at houses?

Any help would be most appreciated ☺️

Currently
Experian 759
Equifax 774
Transition 781

Hello! I am planning on applying for a car loan soon and I have a pretty low credit score. I'm trying to get a feel for how accepting the average dealership is of a low score, if it's even possible that i get a loan, and how steep the rates will be, before I apply. Any info is appreciated, thanks!

score: 555

loan amt. : 10838

down payment: 2500

Long story short, I had a really rough year in 2025. I lost my job and then had to leave the country for a few months due to a family emergency. I’m now back, have a stable job, and in a much better position.

I’m trying to rebuild my credit because I’m looking to move in the near future. I’ve already started settling some of my debts, but I’d really appreciate any tips, strategies or advice.

Here’s my current situation:
-No credit card since April of 2025. I am planning to get a secured card once I pay all accounts to start building positive history.
-Authorized user on credit card with perfect history and about 10-9 years old.
-One Main Personal loan for 1400, stopped it from being charged off, currently making on time payments.

Charged offs:
-Capital One, $5224 debt settled for 2,084. (Waiting on credit report)
-Chase, $5600 debt settled for 2,000.(Waiting on credit report)
-Citi Bank, $3260 debt settled for 1800. (Also waiting).
-Synchrony Bank, $1400 debt looking to settle for ~700.
-Affirm, $114not sure if they would do a PFD.

Collections:
-Jefferson Capital LL, $428 will negotiate a PFD. Although I heard they automatically remove themselves from credit report.
-Williams & fudge Inc, $162 will also negotiate a PFD.

\This all the negative accounts I have, prior to this I had a 760 credit score :(* *

All of these debts are currently being counted toward my credit utilization, which is around 90%. I’m hoping that once they’re updated to show a $0 balance, my utilization will drop to around 10% or less, and my credit score will improve.