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If the charge hit on April 19 and you paid it off by May 7 you're still within the 30-day grace period so you should be in the clear speaking from experience here the exact same thing happened to me with PayPal back in 2022 and it never showed up on my report

The company they connected me with did offer a free consultation, but they jumped straight into pushing a $129/month plan. I passed on that real quick

I really like using it at farmers’ markets! The only hiccup is that it occasionally struggles to read chipped cards on the first try so I end up doing the classic chip then-swipe dance

Yeah this is actually a known problem. It typically happens when a creditor accidentally sends a "deceased" status to a credit bureau. It’s especially common with joint accounts when one person passes away and the system wrongly flags the other person too

But how much did they actually charge you? I heard they bill monthly even if they don’t end up getting anything removed from your report

If you're looking to build credit, here's what actually works: Always pay your bills on time Keep your credit utilization low Dispute any errors on your report yourself Consider a secured credit card or a credit builder loan No monthly fees, no gimmicks just the basics that actually make a...

An eviction won’t show up on your record until there’s a formal judgment from the court. That process can take weeks or even months depending on your state and how quickly your landlord decides to file

Authorized user tradelines are perfectly legal but they need to be disclosed correctly. Some folks use them purely to rent out their credit profiles for a quick buck but that can backfire fast if it’s not handled the right way

It’s completely normal to feel overwhelmed. What matters most is that you’re asking questions and seeking answers that’s the first real step toward turning things around and starting the healing process

I have a secured credit card stayed on top of every payment and my score shot up 70 points in just two months. No sketchy services just consistency and discipline

Some of these banks aren’t very well-known so it’s important to always verify that they’re FDIC insured. There are a few questionable ones that show up on comparison sites so it’s worth doing a quick check before trusting them with your money

I’d happily file my taxes on a toaster if it meant avoiding TurboTax’s $120 price tag

I’m trying to decide between turbotax and taxslayer for filing my taxes this year. I used TurboTax before, but the fees added up quickly, so i’m wondering if taxslayer is a more affordable option.

i've been researching credit repair services, and one of the biggest questions on my mind is: how much does credit repair cost From what i have found, credit repair companies usually charge in two ways: Monthly Plans: $50 - $150 per month, depending on the service level Pay-Per-Delete: $30 -...

I’ve always been interested in finance and I recently started learning about credit repair. It seems like a great way to help people and even start a business but am not sure where to begin. Do I need certification to work as a credit repair specialist? Are there any online courses or books...

I finally paid off all my student loans! It was a long road, but seeing my credit score jump over 100 points feels amazing. Now, I'm tackling other areas to further improve my credit. Recently, I received a collection notice from Southwest Credit Systems for a $106.78 Comcast cable bill. This...

If you have a common name, debt collectors might be contacting the wrong person. Politely ask them to verify the details they have

he can build positive credit by paying bills on time, getting a secured credit card, or becoming an authorized user on someone’s account someone responsible this time

I’ve read leasing can offer lower monthly payments and flexibility, but you don’t own the car in the end. On the other hand, buying seems more cost-effective in the long run if you keep the car for years. Are there any key stats or details I should consider, like depreciation rates or mileage...