Credit check for new job with poor credit. Are they more likely to understand if I am upfront? Got an offer today for a really great job. While completing my onboarding paperwork I had to comply to both a credit and background check. Everything was done online and I was actually able to see everything instantly. It does not show my credit score but does show my $11,000 student loan that is currently sitting in collections. I have read on…

GF and I need a loan to move out of an abusive roommate situation but we have ghost credit. So my GF and I are living with a horrible alcoholic for the last year, he has been getting more hostile and withholding his share of bills. My GF doesn’t feel safe with him around and I can’t do anything because my name is not on the lease. We got approved for a apartment on our own but we can’t afford the move costs. We’ve been trying to apply…

Why It’s Never Been More Important to Have a Good Credit Score A low credit score is always going to affect your ability to qualify for loans at decent rates. But given the current state of interest rates, having a strong credit score is more important than ever. Read more…

LPT: Keep a list of all paid subscriptions and services that have your credit card on file If you ever need to get a new credit card, you’ll be able to run through the list and update your credit card info before your subscriptions fail. It’s also conveninet to keep a list of all accounts that you have so if / when you systematically update your passwords you can do them all at once. submitted by /u/AJam

Our local credit union actually uses vantage scores, who knew? My understanding (mostly from this sub) was that practically every lender used a Fico score and that vantage scores were only used for consumers to track their own scores. I just took a loan w/ our local credit union and the rep told me they were using a Transunion vantage score. Kind of blew my mind. Has anyone else heard of this? submitte…

Worth putting home improvemet on a credit card? Howdy, i could use some advice. I have 10k+ in credit card debt and recently pulled a 10k personal loan to pay for a home improvement project. My question is whether to pay for the home improvement from my checking account OR pay down some of the credit card dept and pay for the improvement with the credit card? The net amount owed on my credit …

You can get $500 in credit when you preorder Samsung’s 57-inch Odyssey Neo G9 gaming monitor This big boi comes with a high price tag of $2,499.99. | Image: SamsungAfter first making its official debut at CES 2023 earlier this year, Samsung’s massive 57-inch Odyssey Neo G9 gaming monitor is now available to preorder in the US. You can get it for $2,499.99 when you preorder it ahead of its US release date on October 2nd — and even get $5…

Sister-in-Law Didn’t Know About Collection On Credit Report My sister-in-law was trying to get her first credit card to start building credit history and was denied when trying to do the pre-approval. I had her check her credit report and there is a collection on her credit report for $119 from an apartment she used to live in almost two years ago. She was never contacted about it and didn’t know about i…

Is it harmful at all to pay off my credit card when I feel like it? Whenever I’m in my banking app and notice that it’s been a while since I’ve paid my credit card balance or it’s gotten a little high, I’ll pay it off. I’m making payments pretty randomly a few times a month. Is this bad in any way? It is never more than 500 bucks a month, usually around $200. submitted by /u/Halstrop

Dealership ran my credit several times, Can I take any action? Hey everyone! I could use some advice. Applying for a car loan led to multiple credit inquiries, which negatively impacted my score. Is there a way to remove the inquiries? If so what’s the best route to take action? submitted by /u/Blue_Pizza2001

Randomly recieved a $200 credit from a restaurant I go to this restaurant pretty often, in person and delivery. Ate there on the 9th, payed with Amex, and checking my transactions online today I see the charge from them along with a $200 credit on the 11th. It’s not pending or anything, already posted and reduced my balance. So they seem to have given me $200 randomly? My bill was nowhere near…

Should I get a loan for a car or focusing on saving cash/fixing my horrible credit score To make a long story short i was up by 10k but my irresponsible ass blew it and ended up in share credit card debt and now im in a situation where i need a car urgently cause uber eats up my check. Im looking for a A to B car that can last for atleast a few years. Im in a ibew union and they do help people with sitty credit scores get approved, …

I’m 39 and own my home. I’ve never had a credit card. Now I might need one and I don’t know if it’s a good idea… I have a maximum of $6000 set aside for a down payment on a modest used car that I must buy before winter arrives. My goal is to keep my monthly car payment around $250. This week I was hit HARD with a major plumbing bill. The cost was about $4900. The good news is that they offered financing and I have one year to pay it off. But that’s about $…

Secured credit card from borrowed money For starters I’m a loser without any credit cards on my name (freelancer). I don’t have any debt tho. My mom offered me to borrow a couple grands from her retirement savings to get a secured credit card and then send her back the money afterwards. So is that a thing? I will try to use the card “smartly” by paying everything with it and then payi…

LPT: Do you keep getting pre approved credit card offers in the mail? This is how you can make it stop (US) I’ve recently been getting a bunch of credit card offers through the mail. This is something I found posted by LA business and commerce: Stop Pre-Approved Credit Card Offers: Tired of receiving those pre-approved credit card offers in the mail? You can “Opt-out” by calling toll-free: (888) 5-OPTOUT (888-567-8688) This service is operated by the …

Capital One won’t increase my credit limits 3 years later 4 years* (can’t edit title) ago in the summer of 2019 I opened a regular platinum card with capital one at a $500 limit. I paid it off regularly each statement. 6 months later in December 2019 I opened a Quicksilver One cash back card with a $1,500 limit. During the last 4 years I let a couple delinquencies fall off my report and my credit is no…

I.R.S. Freezes Pandemic-Era Tax Credit Amid Fraud Fears The tax agency is ramping up audits and criminal investigations into unscrupulous promoters of the Employee Retention Credit.

Credit karma physical card use but here’s the kicker So I got an email saying my physical debt card from credit karma has been blocked bc of unusual activity, I checked the history and someone tryed to use it online. So here’s the kicker 1. There has never been any money in the account 2. The physical card is locked in a NFC protection case in a book safe hidden in my house 3. The card has never b…

I was just denied a credit card. How screwed am I really? I was just denied for a credit card. Evidently I have 2 medical bills I was completely unaware of that were sent to collections. They were very small, both under $200. I was hoping to buy a house within the next 8 months. How badly will this impact my ability to get a home loan? How long should I wait? Is there anything I can do to get my credit…

The best luxury credit card that “pays for itself?” I’m at an age and financial status where I’m ready for a nice fancy little metal credit card, but I really don’t know how to choose. Id love some suggestions that would best suit my lifestyle. 1) I’m not a huge, huge spender on material items, luxury goods etc etc. honestly I can be kinda cheap. 2) most of my spending goes to traveling, grocerie…