Recent content by Dymezy

Ugh, this is one of those things where there's no clear cut answer so many ifs and buts to drive you crazy. But if I had to pick, I'm voting for ETF.

Ugh, seriously, just call them! I know, it totally bites Discover has a reputation for jumping straight to suing people. But if you get in front of it? You'll be fine. ❤️

Ugh, even if you settle, that negative mark still hangs around on your account, and you'll have to jump through hoops to get it removed. Honestly, I'd skip the settlement and go straight for getting it wiped off the report. The only time I'd even think about settling is if you're actually...

Oh, yeah, that's totally a violation definitely steer clear of disputing on Credit Karma. If your dispute doesn't sort things out, file a complaint instead.

Yeah, I’d bet it’s gonna mess with the interest rate they always do one last credit check right before closing, right? Fingers crossed it all works out for you, good luck though

Alright, hear me out. If you're flirting with those credit limits, just throw everything at the debt. Think of it this way: if a real emergency pops up and you're desperate, you could always tap back into what you paid off on the card like a last resort safety net. You'd totally lose that option...

Heads up, folks fair warning here: most credit cards will totally shut down if you don't use them for a while! So if you're trying to keep your credit score healthy or even bump it up a bit, make a small charge every three to six months. Seriously, it's one of those annoying little life hacks...

So, I finally got around to setting up the bill pay thing through my bank. On the plus side, our current mortgage company is actually pretty chill they let us make weekly payments if we feel like it.

Oh man, I didn't go with Upstart, but I pulled the exact same move you did. My first personal loan was from Discover, and okay, the interest rate was kinda high think 22.99% but hey, it still beat my credit card rates! Once my credit score shot up about 60 points thanks to that first loan, I...

Oh man, the whole dispute process is automated? Yikes. For me, I'd totally just type my argument out. There was this one time I had to dispute some personal info, and they made me include a copy of my driver's license. Honestly, scanning it and slapping it right into the document was way easier...

Hey, anyone know if it’s possible to set up some kind of payment plan to avoid having to go to court? Like, please tell me there’s a way to sort this out without the whole legal drama.

If it were me, I would not do it.

Oh, you can totally freeze your profiles with places like LexisNexis and PACER, plus those other public info sites. Then, you go ahead and dispute the collections with the bureaus. When the bureaus try to check if it's legit, they can't verify it, so they've gotta remove it. I've actually gotten...

Ugh, tell me about it. Companies are notorious for quietly shutting those things down after you haven't touched them in, like, two years. You're totally right to ask are we even sure it's still active?

Oh man, if you've missed that 30 day window after a late payment, you might be in for a rough ride. If you're still within that 30 day grace period, there's hope! But if it's already past, your best move is to call up the credit card companies you know, the ones who slapped you with the late fee...