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I would not do it. Credit cards are unsecured debt. Most loans ar secured. I have over $40,000 in credit card debt. I am not happy about it. But I did it. My cards have 26 to 31 percent interest. Through no fault of my own. I always paid on time. They all went up this past year. In January and...

Have consistent debt. Never pay interest. Use a credit card for daily purchases. Use it for recurring bills on auto pay. Pay the full balance every payday. Do this even with pending transactions. Find the best cad for points. I have used the same card for ten years. It gives two percent back on...

You paid them off. You should be fine. As long as you have no collections.

Following… to remove hard inquiries…

All Within 30 days should only count as 1 inquiry for point reduction

Closing cards, especially the older ones, will tank your credit score. Don’t do it!

It will rebound soon. Paying off debt lowers credit scores. The system prefers us indebted. No major purchases? Do not worry. Above 720? You already have the best rates.

Paying a collection won't raise your score. It stays negative. Improvement comes only if it's deleted. Through an agreement. Or by agency policy. Remember: scores reflect what's reported. Not just what's paid.

It will hurt your score. Your credit to debt ratio will drop. But if your score is strong, and you pay every bill on time, you will recover. Fast.

Also do the Experian boost if not already done

No way to fix this by closing. Is it FHA or conventional? Most lenders cannot work with an open dispute or a late payment within twelve months.

My lender gave precise advice. I followed it exactly. I did nothing else. Credit is finicky. A positive step can drop your score. Unintentionally.

For value, the LDV is a strong choice. Tritons are also decent.

That's a costly solution—you'll pay nearly $400 in interest. Before accepting, explicitly ask Creddley to confirm in writing that no hard inquiry will occur upon acceptance. Their soft-check claim often applies only to initial offers. Ensure this step to protect your credit from unexpected damage.

@Tape Got a $2000 loan offer from Creddley over 12 months, 29.99% interest, $200 per month or so. This loan will really save me

@Tape thanks for reply! I will try this service out, as it doesn't seem to cost anything to apply and check. I'll update you all later on any progress.

Saw this site on Facebook, Creddley loans, have anyone tried it? Seems like a new lender "no hard credit check loans with bad credit". https://www.creddley.com/

Get a cheap, reliable single cab. One you don't care about. Then a weekend car. It's the best system. You won't ruin the nice ute.

Register on the gov website. Stop spam calls for good. It works. https://www.donotcall.gov.au

Right. I hadn't considered that. I'll buy a few this afternoon. After the shops.

Chat GPT excels at calculations and quick comparisons. I prefer offset accounts. You pay less interest. Yet you keep your cash accessible. It’s there when you need it for a vehicle, for example.

2 points per inquirey is what i see.

Dispute old addresses via LexisNexis. Update your profile with the new address. The process takes about 30 days. Once done, dispute the collection. Remember: when disputing items through credit bureaus, they verify accounts through addresses.

You can dispute it,if it is a charge off

Most likely, it's because you paid off your personal loan. When a loan is closed, it can lower your credit score. Your score should rebound in a few months. Just keep doing what you're doing.

Payday loans won’t be paid off without a lump sum of cash. Check your state’s laws on wage garnishment and payday loan collection. Morally, it’s complex to take loans you can’t repay, but at this point, you’ve likely paid enough in interest. These loans often have 300% interest rates. If wage...

Anytime you close an account it affects your credit

Pay off the one/s with the highest interest first.

Start building credit early.