Local Credit Union wants me to get title of a car i’m trying to buy like the title says. i totaled my car last week and trying to get a loan for a new car and the CU is demanding i get a copy of the title for a car i want to buy through facebook marketplace. i’ve read in other threads that ppl usually recommend not giving the title out till the sale is done deal, check in hand. can i tell my credit union they on…

Credit card debt – Am I paying it off right? Howdy, I’m in a bit of a pickle that’s eating me alive and I’m not sure what I should be doing. I’m currently $6,000 in credit card debt and I don’t know how best to manage my finances to get out. To this point, I just put my entire paycheck into a cc-payment to whittle the debt down. The issue is that the I have nothing in my bank account and I…

The Difference Between Hard and Soft Credit Inquiries Understand how creditors decide whether to extend new credit to you or give you additional credit.

Five Ways to Get a Credit Card Without Any Credit History You can still get approved for a credit card without having a credit history.

Best travel credit card? I’m not sure if this is the right sub for this but I’m looking for a good travel credit card. Mainly points, no foreign transaction fees, access to lounges, etc. can anyone recommend? Currently looking into the chase sapphire or united. Thanks! submitted by /u/FunKoala12

Innovis credit freeze address verification I recently placed a freeze with Innovis for the first time. However, they said I needed to mail them a photocopy of ID (license, W-2 etc) when I completed the freeze online, and I got a letter in the mail saying the same thing. They also have an option of verbal authentication. I was wondering if this is normal or if I might have messed somethin…

Discover credit card charged off Okay so I’ve had a Discover credit card since Dec 2020 and everything was fine until I listened to my parents to charge my tuition on my credit card instead of taking out a student loan, but it became very expensive very fast and for the last 6 months, I haven’t made any payment, so Discover charged it off to a debt collector (National Enterpris…

Paying off credit judgement advice I was accepted into a homeownership program and was advised that I need to pay off a judgement with Capital One in the amount of $1,905.65 by July 1. Is it likely that I can negotiate a lower payment or because it’s already reached a judgment I’ll need to pay in full? I’m also confused on if I call the law firm from the judgement or Capital One….

How do I freeze my Experian credit without signing up for their BS service?? I am trying to lock down my credit after getting an alert that someone tried filing for unemployment in my name. I locked it down in Equifax and TransUnion but Experian is so scummy. I created a “basic” account that says will allow me to lock my credit. The full account allows them to send you loans and BS and I don’t want that sent to my email…

How do I freeze my Experian credit without signing up for their BS service?? I am trying to lock down my credit after getting an alert that someone tried filing for unemployment in my name. I locked it down in Equifax and TransUnion but Experian is so scummy. I created a “basic” account that says will allow me to lock my credit. The full account allows them to send you loans and BS and I don’t want that sent to my email…

Scott Dixon Still Deserves More Credit The 2024 Grand Prix of Long Beach was the platonic ideal motor race for Indianapolis Cars in recent history. The race, as is tradition, had two groups of drivers on two different fuel and tire strategies, one saving fuel and one going flat out to catch them. Scott Dixon—truly a Merlin-style wizard who can make more… Read more…

Credit Score Help Needed Hey everyone, I’m reaching out for some advice on improving my credit score. I recently went through the home loan pre-approval process, and my credit score came in a bit lower than I expected at around 690. Looking deeper, I realized a couple of missed payments related to medical bills were dragging it down. I never lended money except one cred…

Parents dealing with unexpected credit card debt from last 2 years My mom (60F) recently told me that my dad (61M) managed to accrue over 150k in credit card debt through bad stock market decisions. She had left financial handling to my dad and only found out when my dad had a few sleepless nights and told her. My parents have a combined household income of 300k and live in a LCOL area (they fully own their hom…

Need help with my 480 credit score I’m 22 years old, After leaving the army I couldn’t afford to keep up with the payments of car, rent, insurance, food etc so I made a lot of poor choices. Total I have $22,000 worth of debt with 14 late payments total , 9 of which are on my car note. Most are from 2023. $10,500 is what’s left on my car $5,000, $2800 & $800 in charge offs The re…

Can something be RE-added to my credit report? I recently successfully disputed a charge on my collections. I received a letter from a different company on behalf ANOTHER company requesting money on the account I just successfully disputed. Do I have to pay this new company so it doesnt go BACK on my collections? submitted by /u/Fantastic_Mr_S

Credit karma for savings account? Does anyone use credit karma as their savings account? 5.10% apy and no fee seems like a good deal submitted by /u/nolanah

High Credit Card Balance I currently have around $11,000 of debt spread over two cards. $10,000 on one and $1,000 on the other. Current emergency fund is $3000. I have two 401ks. One at $33k and the other is $70k. I’m currently living on credit and haven’t had the ability to pay my cards down. I’m just keeling them at current levels. Interest rate on credit cards is +2…

Would it be wise to immediately pay off a percentage of my new credit card after a large purchase to keep utilization under 30%? I’ve heard recently that it’s ideal to keep your cc utilization at 30% or lower. I’m in the army and I’ll be in California for the next year. I recently got approved for a cc with a limit of $6k. I want to purchase a guitar totalling around $3k after tax, which would put me at 50% utilization. Would it be wise to immediately pay off $1k from the…

Want to increase credit score and increase credit line I’m 21 years old and I’ve been using a cash rewards credit card (BOA) for more than 2 years now probably 3. Last year I started using a travel rewards card and made big purchases on that and paid them all off on time. The cash rewards card I always pay off to $0 typically only use 8-10% utilization and I leave a balance on the travel card since …

Should I use my emergency fund to pay off my credit card? I have a $2k balance on my credit card, but I have $8k in savings. I’m having a hard time taking 2k from my savings to pay off my balance because I’m so close to my goal of $10k and dropping 2k will take me back so far from my goal. I haven’t been worried about the credit card balance because my credit is good and my utilization is low, so it is…