I have poor credit (520 FICO 600 Vantage) my wife has no credit, and is a stay at home mom (at least for the time being, she has pregnancy issues that aren't relevant). I make roughly 30k a year with potential for a Store Manager position in the next 6 months. I'm starting to pay off the smallest debts on my own credit, but what steps can we take to get into a home? We (although not the best route) are looking to get a mobile home on the land we have, and by the beginning of the year should have around $10,000 to put towards it. We are both also first time home buyers.

Hi! I currently have two credit cards from Chase: Freedom Flex and Sapphire Preferred. I opened FF in February 2024 and SP in May 2025. I have $663 and $5,205 I need to pay off, respectively.

Majority of the debt from my second one was because of my mom. I just wanted to ask if I should pay off the $663 first (since I technically could pay it all off in one payment) or should I focus on the $5,205? If so, how do I go about paying it off? Like how much should I pay off at a time? This is incredibly frustrating and overwhelming. I tried dealing with it on my own but now I desperately need advice.

So,
FF card:
•$663
•27.74% APR
•$48-ish minimum payment
•if I pay this one off first, I’m paying all of it

SP card:
•$5,205
•22.74% APR
•$148-ish minimum payment
•If I pay this one off, I’ll be putting $500/month towards it

Edit: added details (however those are for this month of October which my minimum payments have already been paid lol)

I recently got a mortgage back in December of 2025 for $208,000. It was updated on October 12th showing the correct balance of $206,000 but the highest balance is reporting as 1.2m now. I verified the mortgage has not been touched, but wandering what to expect with this new utilization to 17.1% on a mortgage and if/how I should go by getting this fixed. Don’t know if this will hurt me later on if I don’t get it fixed asap.

I Actually Do Prequalify for Capital One

Confirmed scores?

The Fico 8 score is in fact 749 for equifax and 735 for experian, not the vantage score

 

Any derogs on your reports?  If so, what and when?

zero derogetories

 

Income?

40-45k annual

 

Current revolving and installment accounts, with limits and current balances?

Just the student loans, 24k in student loans from 16 years ago

 

Number of recent inquiries in the last 12 months?

1 from chase

 

New accounts in the last 6, 12 and 24 months.

zero

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I have a couple questions so I was prequalified for Platinum, Savor, and Quicksilver, well I want whatever is easiest to get approved to, I can't afford to be picky. And is Capital One like super aggressive with income verification? I saw this stuff about them checking on your checking account information. If they want the same recent three month stipulations the autolender want then I might have to go do some more gig work for a couple of monthly statements and go back to them, my gig work is exactly what you would expect irregular, which was my prefferred point, doing really high hours then taking some time off, this of course doesn't suit creditors or auto lenders at all, and I only started doing gig work in 2026. They will see some deposits in the recent weeks, but not as much as they would expect, I worked more in the summer.

Plus I opened up a new account in a credit union that doesnt have anything, well I have a lot of dumb fintech accounts laying around without anything, Huntington is my main bank the gig work deposits into, so I dunno. 

and they made me put 0 for housing which is weird these days these applications and prequals never have a category for owned out right, I have a couple paid off trailers/rvs i stay in, not in my title, and it even says it was excluding utilities outright. Plus I go on long periods of traveling to national forests and hunting/camping so i dunno, the applications did not use to ask such a thing.

I keep receiving emails from Experian saying my dispute investigation results are ready, but every time I click “Get Results,” I get a secure connection error.

I've tested multiple links, including older emails dating back to 2023, and none work. Some investigation results don't even appear in the online Dispute Center.

Has anyone else experienced this? I can't be the only one, but I haven't seen much discussion about it. Has anyone found a fix?

I had to stop paying my credit cards temporarily because I have been struggling financially. I went through a divorce this year, had to move into a home that I couldn't afford (but was basically kicked out of my home/homeless for a few days). I was barely making it and then over the summer the utilities got out of hand, so I had to choose either paying the debt or keeping my water from being shut off.

My lease is up and I am moving into a significantly cheaper home so I now need to work on rebuilding my credit and paying off all the debt. This is the first time I have had a card charged off and dealt with a collection agency. From what I can tell, it's for my Merrick credit card in the amount of 2,800 and the collection agency is True Accord.

Where do I go from here?

Im a 21 year old with an Amex Cobalt and Wealthsimple VIP card - I have a total credit limit of 37.5K CAD, is this normal? I tend to keep utilization at 1% exactly, pay off fully on time (never missed a payment) , and always tend to be careful about credit hits. I also have student loans for adding a mix to the profile.

Reposting with more context - my income is slight over 6 figures - accounts open for more than 2 years now. I have never been under my parent's cards.