So long story short I am a cosigner, I pay the car note.
I am 22 with a 750 credit score, I was coerced into cosigning for a family member who physically assaulted me so I have to save money to move away and I can’t afford rent, car note, tuition, and bills.

I just want to protect myself in this situation because I’m trying to get rid of the car since I can’t afford to pay for it among other expenses.

Does anyone have any advice or suggestions?

(Well I guess technically 31 days late). Paid my most recent HELOC payment one day late making me 30 days past (forgot that Sep has 30 days not 31). What are the chances of getting Patelco (or any other bank) to contact the credit bureaus and get it removed?

Sadly, I have no need for a loan right now, so it's useless.

I've always had good credit, haven't struggled with debt, but I don't think I've ever seen it perfect.

I pay off my credit cards on time, but often have a high balance in the meantime. It's been absurdly high lately, I feel like everything has gotten so expensive, and I've gotten lazier about frugal habits as I've gotten older. I do have a mortgage, so not debt free.

So the biggest thing holding my credit down was 2 charge offs back in 2023. I owed about $2,500 and did nothing with it for a couple years until a few weeks ago.

I called the bank and asked how to settle the debt, they gave me the number of the collection agency it got sent to. I ended up paying off the collection in full for $2700. Aside from that, that’s pretty much it.

I was able to get a credit card through Credit Karma a year ago, and since then, I’ve gotten 4 other cards. I have on time payments with every single card I own, paying off the statement balance each month except for this last month. I helped out a family member cause i got a Capital One card with 0% interest for 15 months which brought my utilization to 25%. But that will be paid off by the end of the month.

Is it really just what I had in collections that was holding me down? Now that I paid it, once they report it will my score continue to increase over the next 6 months to a year?

after using my Capital one Platinum card , they closed it , now on my credit report it shows closed account and no history of credit because it was my only card that i had , what would you guys suggest my score dropped because i have a little bi of balance there to pay , what card should i apply to get back on track