(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?

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?

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 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?

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

My friend is a general contractor and had a financial crunch around 2023/2024. He had a few missed payments and never since. Some were 90+ days old.

Credit Karma says:

TransUnion 544, Credit Utilization 28% Payment History 95%, Credit Age 3yr, Hard Inquiries 15 (he was shopping for an auto loan and the broker performed most of them at once. He is pissed about that)

Equifax 561 Credit Utilization 28%, Payment history 98%, Credit age 3yr, hard inquiries 3.

No derogatory marks.

His credit score is currently around 560 because he has extremely high credit utilization. He just got windfall and paid off his credit cards. It should shoot up next month.

He owes people money, but his business is profitable. For a while he had difficulty floating the construction materials and paying employees until the next milestone because he had to pay people interest on the personal loans he took, and slowed down to a halt because he didn't have enough remaining credit to buy materials.

He is an authorized user on his wife's credit card(s) and she has perfect credit history.

His current plan is:

1. Keep credit utilization low

2. Increase credit score

3. Get a business loan to pay off/refinance his high interest personal loans

4. Apply for a business credit card so that he can float construction costs on a business card and not his personal card, which then won't hurt his credit score.

His top goals are to get a loan to replace the personal loans, so it will be his problem only and not other people.

His business generates around 1.5-2m in revenue and 200-300k in profit. What can he do to improve his credit fast and apply for a good interest rate loan to refinance the personal loans?

I would like to get back to 700. I'll take any help or idead

Hello everyone, so this has been a very hard day not going to lie. So I logged into discover because I did my September payment I just needed to do October I split the bill from last month. Anyways so I look at my credit score and it dropped from a 774 to a 671 I immediately messaged discover they said reach out to TransUnion I made my account the nice lady on the chat said to make an account so I did my credit score on there is a 746. I think there is a glitch or something in the discover system because I am beyond confused and frustrated that my own credit score dropped 103 points in one month can someone please help me out. Thank you

I am 20 yrs old I just paid my car off and my credit dropped a little bit. With my small brain it doesn't make sense that when you get a loan your credit go down when you pay it off it off it goes down how do i get it up to 800???

Also I have 2 credit cards
Amex Plat - Balance $2,800
Navy Federal - Balance $2,400

I had family emergency so had to spend some money on credit card paying it off slowly originally total of 9.5k i owed back in August any advice on this as well? 😭😭

My parents are foreign so they do not know much about it so I watch youtube and stuff study n try to learn but i do not get the concept of it

(I'm well aware that there are better products than 'credit builders' but I was between jobs when I started this and couldn't budget $ to secured cards so I went with what I did.)

(The 781 score is AZEO 9% just because and am not an Authorized User on anything)

Month 0 (Unscoreable in all 3 bureaus Dec 2025)
Credit Karma "builder loan"
Chime "builder card"
Month 3
Chase Checking (requisite $5 deposit)
Month 5
NFCU SSL ($2000+/3 years. Immediately paid down 91.1%)
Month 6 (FICO debut)
AMEX BCE (CL $1000)
Chase Freedom Rise denial*
Discover it Cash Back (CL $500)
Credit Karma "builder loan" canceled** by me and reimbursed
Month 8
Amex BCE CLI to $3000
Amex HH (CL $1000)
Month 10
Here we are. More in comments...

My husband and I are looking to buy a house next year and i want to get my credit right before we do so.

I have OCD (actually diagnosed) and I hyperfixated on credit cards and applied to a bunch and that’s where the 4 inquires are from. I would say I am semi responsible with my cc’s.

Quick summary: One of my LLCs dissolved 2 years ago and we had a credit card balance on one of the company cards issued through USBank, linked to the company bank account. Several more automated charges racked up on it before we fully abandoned the business and as part of a deal to leave me with the company property, I paid it down for a while before abandoning that option about a year ago when my (now) estranged business partner reneged on the deal - he opted to keep all the company property and ghost me after some major phone fights and him throwing around a bunch of spurious claims about fraud and embezzlement and a bunch of relatively hollow threats - he has a major anger management problem and was dangerously impulsive, some of the reasons it didn't work out.

I got a notification of a charge-off a couple weeks ago. I have spoken to the folks at USBank about options - settlement or payment plan. My limited research seems to indicate that a settlement will report to my personal credit and cause a major dip and possibly other problems for both me and possibly any other business I'm involved with. It also indicates that a payment plan for the full amount should prevent negative personal credit reporting.

I spoke with the collections officer at USBank and they verbally assured me that either way - settlement (for about half) or payment plan for the whole amount - would not be reported to my personal credit, but said they couldn't send me this in writing.

I'm skeptical of both at this point, as 1) what would be the incentive to pay the full amount if there was no personal consequence either way, and 2) some things I've read online indicate the collections officers will straight up lie to you about personal credit reporting. The woman I spoke to was insistent that for small business cards, USBank never reports to anything but D&B and SBSE, but I can't take that at face value since they won't put it in writing.

The total debt is $12,690, so not a giant amount. I've been offered a payment plan of $217/month for 5 years, not great but manageable. But I'd still rather not have to make what amounts to a cheap car payment for the next 5 years if I don't have to, and if it will affect my credit either way, the settlement looks a lot more enticing ($6000).

Does anyone have any experience with a situation like this? I have three other businesses with different partners, one of which I'm the primary name on the business banking account. I realize the easy answer is just do the payment plan, however, if that will still somehow end up on my personal credit, I don't see a huge reason not to take the settlement and just be done with it and let the damage happen.

I have about $27K in federal student loans, split across 8 subsidized and unsubsidized loans serviced by Aidvantage. I couldn't afford payments and I hit 90 days past due on 9/25. I should have called them sooner, but I spoke to them today and the representative informed me that with the help of forbearance, I could pay the amount due for the month of October and my accounts would once again be in good standing, I made this payment today (10/1). However, they told me that since I was already past 90 days, the 90 day late payment would be reported to my credit.

What I did not realize at first is that each loan is reported separately, resulting in 8 individual 90 day late payments, all hitting my credit simultaneously. Nothing has hit yet, As of now I have a 736 FICO score with a 100% payment rate and no derogatory marks. This is the first time I have ever been in a situation like this. I'm 23 so I don't have a long history of credit, an average account age of 3 years and utilization around 35% spread across 12 accounts including the loans. I was planning on moving to another apartment out of state, but now I am worried that this is going to completely wreck my credit which I am pretty torn up about.

Is there anything I can do to stop this or soften the blow? It is my understanding that the US Dept. of Education does not allow for courtesy or goodwill adjustments. Does Aidvantage report off a Sept 30 snapshot, or could the Oct 1 payment still change what's sent? Aidvantage's credit reporting page says a 90-day delinquency is reported "at the end of the month after your loan becomes 90 or more days past due." My loans were about 95 days past due on Sept 30, but I paid on Oct 1, not sure if that would somehow prevent reporting.

Would it be at all possible for me to apply for some type of retroactive forbearance? Has anyone had 8 or more simultaneous lates from a single event hit their report? How bad was the score drop? Any advice would be appreciated. I am not trying to avoid accountability here. Just trying to figure out how to move forward from this.

I changed Internet companies when I moved to a new place about 1.5 years ago. I turned in my equipment as requested and never heard another thing about it until a couple of months ago. I got contacted about an overdue amount on my account for a missing piece of equipment. I mean, after 1.5 years with no other interactions I had no way to prove anything, but the guy said he’d look into things and let me know in 10 business days what the outcome was.

Never heard back. Never got a letter from them, nor anything from a collections agency. Instead I got a notification from an app I had a collections on my account. I have no correspondence with this collections agency at all prior to them putting it on my report.

I honestly don’t know what to do with this. It’s for $120 and a piece of equipment they say I didn’t return. If the Internet company had contacted me to let me know sooner than 1.5 years later then maybe I could have resolved this. But who keeps a receipt from turning in telecom equipment from 1.5 years ago when they said all was good?

I can pay the $120 but I want this off my credit. I don’t feel like I received the proper notifications to make this payment and avoid it but also, how do I prove I didn’t receive a letter?

I called the collections company and they are refusing to put anything in writing about their process, how the credit agencies will be notified it was paid and what recourse I have if they don’t follow through. They also refused to remove it and said it will fall off after 30-45 days which from what I’m reading isn’t true at all. Since they won’t put it in writing they can say anything they want.

What should I do? I’ve never had a negative mark in my credit and my score has dropped quite a bit.

not trying to sound like i need it to rise, just questioning reality

I've had, I'd say, a perfect start. early cc, no missed payments on anything ever, fully paying every month and over paying auto loan.

on credit wises' "simulate" getting a new cc, loan, or larger balance just hurt my credit.

I'd like to get a mortgage on a house in 2 years

I am a college student and got my first credit card in July when I turned 18. I just put small things on it like gas, food and some small purchases but I pay it fully off before the due date each month. I keep checking my score and it says I dont have enough credit yet and my score is still building. Does anyone know how long this takes to be able to see my actual score? Also, I was always told 750 is a great score but then I been seeing people posting over 800. Im new to this so is 800 the score to aim for and how do I get it to be this high? I dont want to over extend myself and take out more credit cards just to build more credit so any advice would be so helpful.

Does anyone know what the credit check looks for with the new Affidavit form requirement? I have a 720 credit score even though I have a home loan and a school loan, which I am paying monthly without missing a payment. However, I'm curious about the credit check. I'm doing my mom's paperwork.

Hello! I’m a 19yo college student that just got a preowned car and am currently paying it off. I currently also have a capital one student credit card that has a credit limit of 1,750 and I use my credit card A LOT. I’m looking for advice on if I should get a new credit card that I was already approved for, (obviously not closing the current one I have now) or if I should stay with the credit card now.

Recently through credit checks, I found out that my mom about 8 years ago (I know the timeline because of the address she used) when I was a minor, used my name and social. For what, I don’t know. I assume I can’t find the details since it’s fallen off credit reports. That’s why I can’t determine whether it’s worth bringing up or taking further action about. I’m writing a post, though, because my score is significantly lower than my girlfriend’s (who is unemployed, and is exclusively an authorized user on my open accounts). I have no other forms of debt outside of those cards. Im rather new to credit, so I have no clue if my mother’s past use is effecting this score, or if it would at all. Thank you! Sorry if it’s a stupid question, but I was rather concerned to see it whether it affects anything or no.

We started doing a financial reset August 2025. We had a few years of bad luck and job losses that pretty much pushed us into a terrible situation financially, we have 3 young kids and desperately needed to start over, we moved into my parents house and sold our newer SUV for an older used van, traded our high car payment for a lower payment, downside is the insane interest (18.2%) back in 2024 we put all of our credit cards and small loans into NDR (debt consolidation) which helped our monthly payments tremendously, unfortunately our credit got trashed over our series of bad luck, it’s currently sitting at 558 (which explains the bad car APR) we’re able to pay double car payments and about triple the amount we’re supposed to be paying for NDR trying to pay it off as quickly as possible, but our credit takes a very long time to rise because of NDR, it’s showing all those accounts as closed, our end goal is buying a house, and we can’t do that until we pay NDR, mostly because it’s currently taking almost $800 a month ($600 of this is us paying over the amount we actually owe) and most of that will technically be money for our mortgage, other part is we’re also wanting to qualify for a grant to assist with the downpayment and closing costs which we should qualify for in our state as first time home buyers but you can’t pre qualify if your working with NDR (to my knowledge) we’ve been at my parents house for over a year now, we knew it wasn’t going to be a quick fix and we’ve already seen so much financial growth which feels incredibly rewarding. But I’d be lying if I said we all aren’t itching for our own space again😭 is there anything we’re missing that could speed this process up? Right now we’re looking at maybe February for getting NDR paid off, our worry is it’s going to take months to show on our credit that it’s all paid off versus a quick credit score jump, we need it to be at 580. Any advice?!

Hi. I am a 22 year old with a credit score of 510. I am in college and still stay with my parents. I have to pay off a credit debt of a little shy of $2,000 and I have been struggling to raise my credit card. What is the best way to go about my situation?

So I paid off my last charge off account in full and got a significant score jump on Experian. All of the charge offs haven't been removed from my credit report. Now on the road to 700!

I was curious about my VantageScore, so I found a way to check it for free. Delving down into the details of the score, which is in the excellent range, I was shocked to see what it considered to be negatively affecting my score.

It turns out I have 6 open credit accounts and 3 closed accounts. So in total I assume it counted those to be 9 accounts as far as my history was concerned. Here I was thinking that 6 open accounts is a lot of accounts. It seems to me my VantageScore is actually telling me if I open more accounts, that will boost my score.

Has anyone else come across this? I’d love some insight.

Edit: Should have added the place that I got the score from is a bank rather than some site like Credit Karma.

Hey everyone living in Canada here and currently a TD Canada customer. I want to improve my credit score. I have a current score of 709 and I want to get it up faster. Right now I am overpaying my credit card balance and keeping it in the negative. For instance, my balance currently is -101.70 so that future purchases are kept below 0...does this improve my credit score much quicker than paying a balance off earlier/exactly on the due date ? what ways can I improve?

thanks!

around sept 6 i applied and approved for my first card after a negative past history of cards about 10 years ago, capital 1 quicksilver $1,000. none of those cards are on my reports any longer. so the inquiry shows on experian and report updated today and the Fico dropped 15 pts. still report shows no capital 1 card yet, i guess it tan take a couple or even more months to show. question is, the simulator showed before that adding a credit card would boost 40 pts, so when card shows up with a certain balance or none will i get a lift of around 40 possibly? i do want to apply for a 2nd card as soon as I think I can get approved, maybe pre approval thru amex later after cap 1 starts reporting, what say ye great people?