I done messed up my credit. What order would you pay this all off in? I wouldn’t say I’m financially savvy, but up until now I’ve been making okay decisions. Had a 780 score, cards never carried a balance unless in 0% APR, 3 months of emergency savings, other savings for various goals, 10% to my 401k…. Then I done messed up. Long story short, now owe like 8k across 2 cards, and 10k for the car loan. I’ve always …

Why does no bank or credit union feel like the perfect fit? I’m contemplating where to open a checking account and shift from U.S. Bank. Currently, my primary funds are in a joint savings account with my partner at Discover. While credit unions are popular, local ones here in Washington State seem to have subpar apps, poor loan services, and bad customer support. Online-only banks seem to be very dscoura…

$5 Prime Video Credit Free (limited redemptions per day thru 12/31) Amazon is offering *$5 Prime Video Credit* for *Free*. Thanks to Deal Editor *SlickDealio* for posting this deal. Note: *Limited number of redemptions are available per day through December 31…

$5 Prime Video Credit Free (limited redemptions per day) Amazon is offering *$5 Prime Video Credit* for *Free*. Thanks to Deal Editor *SlickDealio* for posting this deal. Note: Limited number of redemptions are available per day through December 31…

Credit Card Debt, I don’t see results… Right now, I have a credit card debt of almost $3,000. Is really hard for me to pay it because on my salary, saving account or by using it because I only have that card to buy online. Can I have some recommendations? Some things that I’m doing are: Making payments of $300 monthly. Saving $300 monthly. Gas $100 monthly. Basic Needs like Grocerie…

Normal credit limit? So I’ve (26f) had a Visa credit card through my bank (well, credit union) since I was 19 and the limit had been at $1500 for years. The other day I was like hmm, I could probably request a credit limit increase? So I went online and the process was easy and I was pre-approved for $20,000, which I thought was a lot but I accepted. The next day th…

Here’s When It’s Smart to Have Just One Credit Card While there is no magic number of credit cards to hold in your name, I’ve repeatedly recommended trying to balance at least two or three of them to give your personal finances a boost. The advice to juggle multiple credit cards won’t work for everyone, though—after all, using a credit card comes with inherent risk—and… Read more…

Credit rebuilding tips🚩 Hi! My credit score is verrrry low 582🤢 and I’m ready to rebuild it with the correct steps. The biggest hit is a repossession of my mom’s car I co-signed for. 2 other closed accounts belks(paid) and capital1(owe $700) and $1k in hospital bills. I just had a baby and it’s been hard to maintain a job, kid, and bills but I’m trying. I have a chime …

Emergency Fund before Credit Card Debt – Why? Hey all, ​ I’ve been a lurker in this subreddit, and in many other personal finance subreddits, for quite a while, primarily because I’m going to go to college soon and I’ll be in control of my finances for the first time in my life. Hopefully, I’ll never be in this position, but I do have a question. ​ Every single personal finance guide calls …

Drowning in credit card debt from divorce. My ex wife ran up 50k in credit cards in my name while I was deployed then we got divorced. And I got stuck with it. And not my credit isn’t good enough to get a personal loan. I’m making the payments but would like to have more disposable income for my kids. What options are out there to get like 75k loans with payments between 1200 and 1500 a …

Did Your Parents Build Your Credit? I am recently learning about credit and I just learned that it is possible for parents to build their childrens credit history. Is this a common practice? I was always wondering how kids right after graduating high school were able to secure high credit limits and personal loans for things like moving and stuff. submitted by /u/fullylace…

Student loan suddenly doubled and it affected my credit score Hi all, So today, I checked my Fico score because BoA told me to, and I found out my credit score suddenly went down from 734 to 707. Based on the date that the score was collected, it looks like when my student loan servicer was changing to Edfinancial to Aidvantage, the amount doubled (error) and maybe it affected my credit score? I want to kn…

What To Do?? Parents ID-Credit Cards Background- Roughly 25 years old, recently finished my degree and trying to start my life… Manage to use my degree and get a professional job that I start this month. Aiming to save some pay checks and create pay stubs to be able to move soon; currently live with both parents and 2 siblings. Story- Roughly some time in 2022 my mother opened up…

Home equity line of credit loan to buy land? I live outside city limits on a .36 acre lot. The land directly behind me (bumping up to my back yard) unexpectedly may be coming up for sale, about 3.5 acres. This would give my family and I alot more room to expand and I know the person selling it and I could probably get it for a really good price. Is tapping into my current home’s equity a …

Experian Credit Score “Unscoreable”, but Credit Score Showing on Equifax and Transunion Hi there. I’m having an issue as described above. They claim my account hasn’t had any activity or trades in the past 6 months, which is untrue. Anyone dealt with this before? submitted by /u/Violetteotome

I purposely got a loan so I could build my credit.. they won’t report it to the credit bureau what can I do So a bit ago when I bought a piano even though I could’ve covered it in cash I decided to get it on an interest free loan. Two big reasons for this: Building credit I knew I could use the cash pre payments due to make some good interest And it is a “real” loan too. Credit and background check. Hard pull on credit. They have my SSN. The works. …

Mint is shutting down, and it’s pushing users toward Credit Karma Image: MintMint, the budgeting app owned by Intuit, is shutting down. Intuit announced on Tuesday that Mint will get absorbed into Intuit’s other service, Credit Karma, when it officially goes away on January 1st, 2024 (via Bloomberg). But it’s still not clear whether Credit Karma will get the budgeting features that Mint is known for. Intuit fi…

Credit score wrecked and I don’t even know who I owe money to I’ll try to keep it as short as I can. I got out of the Army in 2021 with a high 700s credit score (USAA told me 800, but usually what USAA tells me is 10-15 higher than Experian so I always just assume the lower is accurate). I had just paid off my car and had no other debt, and haven’t taken on any more debt since. A few months after I got out…

Mom opened credit card in my name, now delinquent I found out today that my mother has opened a credit card in my name, let it go delinquent at $2800, and caused my credit to lower from over 700 down to 500. I called Citi, closed the account, and they are investigating it as a dispute. I am needing advice on how to make sure this is fixed and taken off my credit, even if that means I have to p…

Save on rental cars with your credit card My friends and I were visiting Costa Rica last month. We rented a car for 4 days during our stay, which was really convenient to have our own transportation when exploring different areas. When making a reservation, the rental agency offered car protection policy for additional $25/day. Instead of choosing their protection, I declined and calle…