Trump Plans To Kill The $7,500 EV Tax Credit Good morning! It’s Friday, November 15, and this is The Morning Shift, your daily roundup of the top automotive headlines from around the world, in one place. Here are the important stories you need to know. Read more…

50k credit card debt while unemployed – need advice i take full responsibility for my actions, i am pretty terrified what i’ve gotten myself into. i can contact a public lawyer for advice and possibly representation but i am not sure how they will react once they read this. i fucked up. i have about $50k in credit card debt across a few cards. my monthly payments are around $1400. I am running ou…

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Credit card debt silly question Hi guys so this may be a silly question but here it goes Goal: raising credit score (Balance/limit) Debt – card one $800/1000 Card two $250/500 Card three: $250/500 I have $500 to pay off some of this debt. What would better impact my credit score – should I make a large payment to the card with higher balance, or should I basically pay off the …

Dunce Award: I let someone I was dating use my credit So let me start by saying that I know I messed up. I’ve been beating myself up about it since March. I was dating this really great guy that just needed some help to get his life together (you know where this is going). He had no vehicle and was a floor installer, so I let him borrow my pickup (I had more than one paid off vehicle then). He had …

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please help me, 20k in credit card debt i have $20k in credit card debt across 3 high interest cards. i looked into accredited debt relief but i am a renter and i want to move to a less expensive apartment next year to help save money to get out of debt. i recently broke up with my boyfriend and im locked into a $1925/monthly apartment for the next year. i make $69k/year and live in l…

Two credit scores vs. one Hi, My credit score is 820. My wife’s credit score is 730. Her score is still being impacted from 3 late payment charges from June-August 2019 on a credit card. Besides that she has no other negative marks. When applying for a mortgage, should it just be me on the application or will having both of is be better? Not sure if this information is …

Bank says my 749 credit score isn’t real? I opened a savings account at a credit union yesterday and they did a credit check and told me my credit score was 749 but that it wasn’t “real” because I only have 3 open credit cards and that my real score is 620. He said if I opened another card that it would instantly become an actual 749. This seems sketchy as hell to me. Is this true? I’ve…

27 yo, no credit, need a secured credit card, which one? Title, really overwhelmed with how to start entering the world of credit, all my jobs have always paid me cash, I buy cars in cash,I pay rent in cash, I buy everything in cash. I now live in the Bay area and even for places to rent to me they want to check my credit. Help plz. submitted by /u/HC_Zyg

Why is my Experian Credit Report different than the rest? My Transunion and Experian report shows two bigger debts, $2500 and $1200 that were sold off to debt collectors. But these got removed from my Equifax report this year. If it falls off Equifax, shouldn’t it fall off the others? I opened those cards in 2016 and my last payment was in November 2019. I went through a health crisis 5 years ago and …

23K on Hand 36K Credit Card Debt My husband just got out of the navy and stockpiled some cash but also sold his house he shouldn’t have bought and has 23K on hand to pay down debt 2 Credit Cards 10.47% at 24.4K 18.00% at 11.6K No other debt. What should be do? He has no bills for the next 6 months other than car is insurance so we can throw a decent amount per month. But based…

Debt to Credit Ratio Is it better to pay down the high interest or low interest debt if the goal is to decrease my Debt to Credit Ratio? I’m thinking that payments to high interest loans will get lost more quickly due to interest payments than the lower interest loans. I have $117k in debt from 7 different lines of credit ranging in interest from 28% to 8%. My aver…

Is there another interest free option to pay off credit cards? So I was wondering if there was a way to avoid paying interest on my credit cards debt. I had finally paid off my $10,000 in medical debt within the time limit to avoid accruing interest but my regular credit card debt is punching holes in my wallet. It’ll be like 4 months before I pay it everything off but I will end up losing ~1000 dollars try…

Credit Strategy for Housing Hello everybody, My partner and I want to buy our first home. (We live in Europe.) We bring 40% equity, for the rest we want to get a credit. I am looking for some input on how to determine what is the best credit strategy for us. Things like fixed vs. variable interest rates, how long to have fixed rates, debt restructuring in case of better f…

Which credit card is best for me? High credit score (771) but low income (student/creative) I’m late 20s and have only ever had one credit card, through my old original credit union when I first set up bank accounts as a teenager. Limit is $1k, balance is around 70% right now. I would like to open another line of credit, mainly for job-related expenses (studio engineering 🎚️🎚️🎚️ happily I’ve been hired at a commercial studio, but don’t…

Low credit score due to missed payments, will this cause rescinding the job offer? Hi, I have been paying my credit cards in USA but 5 months ago I lost my job in UK and I couldn’t made any payments causing “missed payment”. I am an IT guy with another job offer in UK.. While going through the background check I was asked that the company will check civil litigation check in USA and I am suppose to authorize them to check my c…

credit card debt loan Hi everyone! I’m looking for some advice on paying off my credit card debt and would love to hear your experiences, especially if you’ve gone the route of a personal loan or have done a 0% balance transfer credit card. I’ve already cut back on spending, so that’s not an issue—it’s really about finding the best way to consolidate and pay this off…

10k credit card debt high interest Hey, I’m in need of some advice. I have $10k of credit card debt in high interest credit cards (29-32% APRs). I’ve been paying down on these cards and trying to apply the snowball method for the last few months. I’m struggling with this a lot. For the last year, with my income, my debts are swallowing me and I have been wanting to consolidate. I…