Does anyone have experience with Integra Credit loan? Im in a situation where I need immediate funds to pay for my daughters surgery. Im poor single mom of 4, work 2 jobs and does rideshare just to make ends meet.. and have horrible credit after my divorce bc I couldnt afford a lawyer. I need $2800 NOW for an emergency heart surgery for my daughter(24). The only thing on CreditKarma that says I hav…

International student coming to the U.S. Landlords are asking me for a credit score for rent, but I’ve never had a credit score… help. I am a young student coming to the U.S. I have a bank account (debit) in my home country, but I’ve never had a formal job, debt, or credit history. I’m looking for apartments in the U.S. and most landlords are asking me for a minimum credit score of 600. What can I do? Is there a service online that can help me at least create a credit score, ev…

Is Rental payment reporting to credit bureau useful? I have a decent credit score. Is spending about $200 annually worth it to report the rental payments to build credit submitted by /u/silent___guardian

Does closing a credit card impact your credit score? I have a credit card that I have not used in over two years. As a result, the card company is planning to close my account. I’m okay with that, however I am also planning to buy a home this fall. My fear is that closing the account will drop my credit score. Should I keep my acccount open or should I let it close? submitted by /u/Word_Gam…

Credit impact- missed payment Hi everyone! I recently saw a big hit on my credit report, all 3 bureaus. It seems like the cause was a missed payment on a credit line. I had auto payments set up on a credit card. A few months ago this credit card had a fraud charge on it, contacted my bank and got a new one. The auto payment obviously didn’t go through. I set up auto payments…

LPT if your flight is overbooked and they start asking for volunteers to be pushed for travel credit, WAIT If you’re okay with being pushed and want some travel credit, wait a while. They will continue to raise the amount of travel credit offered if they don’t get any volunteers. I’ve seen Delta give as much as $1,400 in travel credit for pushing to the next day. They paid for hotel rooms too. submitted by /u/Gramathon910

Credit card debt on 3 cards Hello all, been in CC debt for over a year or so now due to some hardships. Would it be smarter to go into my savings which is around $3000 to pay off 1 card fully but then have no savings left? Income is steady to the point where I can last a while without savings. My total debt across 3 is $8.1. Getting rid of one (Amazon) would help a ton due…

Travel-Rewards Credit Card Recommendations? Demographics/Stats: USA frequent credit card user for 5 plus years. credit score: 750 most frequent purchases include: groceries, dining, entertainment and tobbaco; would prefer to have a credit card that rewards this type of purchasing behavior open to credit cards with annual fees of less than 150 dollars current military (reservist) no debt …

Credit card debt need help So about 4,000 behind in credit card bills. How can I fix this it’s between 4 cards… I looked at my credit score it was at 780 now it’s at 650 from my credit usage being so high. Ik the best thing to do it pay it all right now but unfortunately I don’t have that money as I’m paying off 5,000 in taxes I’m 21 and barely making it by as is…. su…

I owe around 50K (IRS) 20k (State) and 20k (credit cards). I have saved up around $40k. Out of Direct Debit or Credit Card or Debit Card, which method shall I use to pay the IRS? I want to use all the cash I have now to pay the IRS first because that’s the most stressful for me. It will be big relief for me. Shall I use Direct Debit from my bank account or shall I pay it through my Chime Secured Credit card (1.85% fees by IRS payment processors) to use this opportunity to produce a positive event on my credit report thro…

Options for Handle Credit Card Debt I’m 21 and currently have 3.5k in credit card debt. I have been trying to pay it down slowly, but I’m stuck in a cycle where I pay it off, but then have no money left to spend until pay day. I don’t have much in my savings maybe 1100 so I was going to take my savings and the rest of my next paycheck and pay the whole thing. I’ll have a few hundr…

Help with joining credit union! Credit unions Hi, I’m an international student living(graduated from GMU) in the Northern Virginia (NoVA) area on a work visa. I’ve heard great things about Navy Federal Credit Union (NFCU) and Virginia Credit Union (VCU), and I’m interested in joining one of them to get a small loan or a credit builder loan to help rebuild my credit. However, I…

Liberty Mutual took out a policy against my will, ruined my credit score, and I don’t know how to undo it. I was thinking about buying a house last year and briefly spoke to Liberty Mutual (who is my car insurance provider) about a quote for home owner’s insurance. I never ended up buying a house. Unbeknownst to me, and without my consent, they took out a policy in my name. Over a year later I find out about it by seeing a huge dent in my credit scor…

Closing a line of credit Hello, I have heard that closing a line of credit can actually be bad for your credit. Over the years, I have opened new lines of credit that suite my needs as my finances have evolved. I’m now at the point where I have so many open lines of credit that it gives me anxiety. I want to close 3 credit cards and two other lines of credit that all ha…

I need some credit card advice Hi all! I’m sorry if this has been answered before, I just need a little help. I’ve surmounted around 13k of credit card debt on two chase credit cards. Their APR is really high, and with a 340 monthly payment only around $100 is going to principal. I’m in a spot right now where I can no longer make payments on it. Could I potentially get a pe…

I.R.S. Extends Freeze of Pandemic-Era Tax Credit Amid Widespread Fraud An internal analysis conducted by the agency found that up to 90 percent of claims are potentially fraudulent.

If someone has inherited significant amounts of wealth but does not have a credit history, can they still get a credit card with their wealth and ability to pay being taken into account If someone has inherited a significant amount of wealth and wants a credit card but has no credit history, can their wealth be used as a factor in credit card approval because it shows ability to pay back debt? submitted by /u/kr775

Should I use my savings to pay off small credit card debt? I have 17k savings. Rent and expenses is good for the month, and if I add an extra 500 for extra things, I will still have 1k left over this month. I am obsessed with keeping my savings at 20k. I have 1500 credit card debt, and pay a little over the minimum payment each month and sometimes 100 here and there if I have extra. Should I take my sav…

While incarcerated one of my family members opened a credit card in my name Unfortunately I have made some poor decisions in my lifetime leading up to my eventual incarceration. I found out, that while I was incarcerated that someone opened up an account in my name and I now owe over $2,000 dollars. I was only 23 when I went in so I had no credit, to my surprise I made a credit inquiry and found out my credit score is n…

My oldest credit line is 7 years old but I just signed up for an account at 20? I opened up a savings account with Capital One and they’re telling me my oldest credit line goes back to August 2017, I asked my mom and she says she doesn’t remember ever opening an account with my name. My credit is average at 664, should I be concerned or leave it be?? submitted by /u/abcbry