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PayPal Credit affects FICO scores the same way a revolving credit line does. Your credit utilization ratio, payment history, account age, and any late payments all factor in. It’s not a BNPL service like Affirm or Klarna...it’s underwritten like a credit card.

Infosec here 👋 This is a common practice after data incidents. If you’re worried, check haveibeenpwned.com and monitor your credit. Free monitoring is better than nothing but set up credit freezes too if u r really worried.

Yo i actually met with a guy named Carlos at Tampa Credit Solutions (off Waters Ave). He was chill, explained everything and didn't try to upsell. Worth checking out if you're local

your EIN doesn’t need to match your legal name for most business cards. i used my LLC info and they approved me using my SSN + 1099s

VistaPrint is solid but Moo.com has better quality if u want to impress

I work in lending here in Louisville....be super careful. A lot of repair agencies prey on people desperate to fix their credit. Try working with a nonprofit like Apprisen instead. They do counseling not just disputes.

I used to be one of their clients. Felt like a scam but also… they did get 2 collections removed 🤷‍♀️ Mixed feelings

Their overdraft protection saved my butt more times than i care to admit. Also love that they offer free financial literacy webinars. Nerdy but cool.

Why not both? Keep your savings in an online bank with decent APY and just use the local credit union + Truist for convenience.

Of course it’s dragging on. These settlements always do. They’ll email you in 2027 offering a $4.37 Venmo payment and a "sorry bro" jpeg 🙄

Honestly, if you think you'll need that money in less than a year, don't go for a CD. Early withdrawal fees can eat up your gains.

Check out Credit Human. They’ve got a 5.50% APY on their 12-month CD as of Jan 2025. No fancy gimmicks either.,just a solid rate and FDIC insured.

Had a similar thing happen with Ally once, not Bask though. They eventually released the funds after a week. Turns out it was just a routine check, but they made it sound like i was laundering cartel cash.

Ugh i was affected by the Equifax thing too. Honestly just tired of my info floating around in the dark web like trading cards.

I use PenFed and it’s alright. Their Pathfinder Rewards card is decent, especially for travel. App's dated tho feels like Windows 98 had a baby with AOL.

Totally agree. i opened a CD there for the interest rate and regretted it almost immediately. U would think a bank in 2025 could figure out basic website UX

Totally normal! Most banks can give you a Direct Deposit Authorization Form or a counter check. Just pop into your branch or check your banking app.

They actually helped me clean up two late payments and one collection. But it’s slooow. be patient this stuff ain’t overnight.

Same situation here with medical bills popping up like whack-a-mole 😤 i haven’t used them, but i looked into it and their BBB reviews are mixed. Some people swear by them while others say they ghosted after 2 months.

If the collection was legit but small, ask for a Pay for Delete. Not all agencies will agree but it’s worth a shot Clean slate = faster bounce back.