Search results

As long as the due date wasn’t too far back and you paid it before it hit the 30-day overdue mark you should be fine. Most lenders don’t report a late payment to the credit bureaus unless it’s officially 30 days past due

If the debt is over 4 years old and you're in California, you might not be legally required to pay it. Be sure to check the statute of limitations before making any payments.

Snap is like that friend who’s never around when you need them but always shows up just in time to wreck everything. They’re not there to help just to make things harder

NGL i thought credit repair was a scam till my cousin cleaned up his report using one of these attorney-backed services. Still feels shady to me but hey it worked for him

Couldn’t agree more. People hear “no interest” and assume it’s risk-free but it can turn into a financial trap if you’re not staying on top of the payment schedule. One slip and that promotional offer can hit you with a hefty retroactive interest charge

Dude i got an email from “Credit Repair Pricer” and honestly thought it was a scam at first. Can’t believe this is actually a legit thing

The battery life isn’t the greatest but the portability more than makes up for it. I’ve started carrying a power bank in my bag just to be safe and that’s solved the issue

OMG this literally happened to me just last month! I only discovered it after my loan application was denied the lender told me my Social Security number was marked as deceased. I was stunned.

I did a free consultation with them and it felt really scripted and sales-y. They were pushing their services pretty hard before even taking a proper look at my credit report.

I got sucked into one of those $99/month credit repair scams. They ended up disputing accounts that didn’t even belong to me and now my credit report is a total mess

Even once the case is filed it’s not like you’re instantly evicted. You still have a chance to go to court explain your side try to settle or even pay what’s owed. It’s not an automatic process it takes time and you do get a say

They always hype it up with “the income potential is huge” right before you find yourself cold calling 400 people a week just to scrape together $300 a month

I tried Lexington Law in 2019 got some results, sure. But was it worth the money? That’s up for debate. They really stretch it out. Kinda felt like a gym membership for your credit

I completely get the hesitation i felt the same way before i finally took the plunge and opened one. Looking back i wish i had done it sooner.

“Credit Karma Tax is free” sounded like a scam until it actually worked. It’s like finding a unicorn that knows tax law.

I’m looking into tax relief services and trying to figure out which ones are actually legit. There are so many companies out there promising to reduce tax debt If you’ve worked with a tax relief company before, which one did you use?

I recently got a letter from Westlake Portfolio Management (WPM) regarding my auto loan. i’m trying to understand exactly what they do. Are they a loan servicer, a debt collector, or just managing my account on behalf of another company? If you’ve worked with them, what’s your experience? are...

I have an open collection with Resurgent (debt collector) for around $2,000. I'm considering negotiating a settlement and hoping to get it down to at least 50%. I've seen some posts here suggesting they might offer "pay for delete" deals. Has anyone recently negotiated a pay for delete...

If Monarch Recovery keeps calling without sending a validation letter or providing proof of the debt, you can file a complaint with the Consumer Financial Protection Bureau (CFPB)

Here’s the deal man no one can magically delete accurate negative marks from a credit report. If they promise to remove late payments or erase debt, run like it’s a dark Souls boss fight. What your friend can do: