Olivia Tom's latest activity

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    Olivia Tom replied to the thread Credit Cards for the Self-Employed — What Works?.
    One underrated perk of business cards ...... many don’t count toward your Chase 5/24 limit. So if you’re into credit card churning, you...
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    Olivia Tom replied to the thread Time-Barred Debt in Florida.
    Even if they cannot sue, they can annoy you indefinitely unless you send a written cease-and-desist under the FDCPA. Once they get that...
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    Olivia Tom replied to the thread Credit Repair Savannah.
    I actually recommend finding an accredited credit counselor first, then maybe a financial advisor. Advisors are great for investing and...
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    Olivia Tom replied to the thread Can You Pay a Lease Up Front With Bad Credit?.
    It’s not a silver bullet, but it’s a good negotiation chip. I’d lead with i know my credit is low, but I have stable income and can pay...
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    Olivia Tom replied to the thread Judgement on Credit Report.
    I don’t know if this applies in your state, but some states only allow reporting of judgments for 5 years. Worth a Google for your...
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    Olivia Tom replied to the thread Second Chance Credit Repair.
    I did not use Second Chance, but I used another company and they literally just sent online disputes through Experian, TransUnion, and...
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    Olivia Tom replied to the thread Alternative Tradelines.
    Netflix helped my credit? Yeah, thanks Boost. Honestly didn’t expect it to work but I went from 701 to 713. It’s small, but hey, I’ll...
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    Olivia Tom replied to the thread Florida Credit Repair.
    Here’s a thing most don’t realize: many of these companies just send form letters to Equifax, Experian, and TransUnion. It might work...
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    Olivia Tom replied to the thread PSLF and Credit Reports – How Does It Show Up?.
    Honestly the worst part is that your credit report doesn’t reflect your intent. I’m busting my butt in public health, and my score is...
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    Olivia Tom replied to the thread Snap Finance.
    I hate that these places target people who are just trying to survive. Your story isn’t a mistake....it’s a reflection of how hard it is...
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    Olivia Tom replied to the thread Credit Repair Lubbock.
    Not in Lubbock anymore but grew up there. My mom used a local company called West Texas Credit Solutions back in 2021. They helped fix...
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    Olivia Tom replied to the thread FCBA Dispute Resolved.
    Honestly, sounds like Citi’s dispute team either doesn’t care or is poorly trained. The fact that a rep used the wrong code and no one...
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    Olivia Tom replied to the thread Creditfix Number.
    I DM’d them on Twitter when I couldn’t find a good number. Shockingly, they replied within a few hours and gave me the right line to...
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    Olivia Tom replied to the thread Do You Need an ID to Get a Credit Card?.
    It’s all about digital verification now. The big banks and fintech companies are doing it all behind the scenes. If something seems...
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    Olivia Tom replied to the thread Delinquent vs Derogatory.
    I’d recommend signing up for Experian Boost and Credit Karma. Boost gives you credit for utilities and phone bills, and Credit Karma at...
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