Search results

I filed for Chapter 13 bankruptcy last November, and while it gave me some relief from debt, the impact on my credit has been brutal. Before filing, my score was in the high 780s, but now Experian shows me at 567 (Credit Karma says 670, but I know FICO is what really matters). What’s confusing...

My finances have improved a lot recently, and I’m hoping to lease a car while rolling in about $6k of negative equity. I know that’s technically possible, but I’m struggling to get approved for the lease because of two late payments in my history and a poor credit score. A few weeks ago, we went...

I’m looking into Second Chance Credit Repair and wondering if anyone here has actually worked with them. My credit took a serious hit a couple of years back after a mix of late payments and an account that went into collections. I’ve managed to get back on track with my bills and keep everything...

I’ve always taken good care of my credit my scores across all bureaus range between 800–820, I maintain around 2% utilization, and I’ve never missed a payment. But recently, I ran into a frustrating situation. I used my Citi card to make a purchase and ended up getting scammed the item never...

So I’ve been working on getting my credit back to when I was a kid, I now 29M had a credit score of 760 when I was 19, but sadly I told my mother and she used it multiple times to open accounts under my name, Now I’m working back to get it to that 700 range seeing as I want to build a network of...

I’m in the process of rebuilding my score, which is currently in the low 600s. I’ve been keeping up with payments and slowly paying down debt, but I know I’m not in the “ideal” credit range yet. I’d rather lease than finance right now since I don’t want to be locked into a long-term loan, but...

Tax season is here, and I’m trying to figure out how much TurboTax actually costs. I know they advertise “free” filing, but from what I’ve heard, a lot of people end up paying fees depending on their tax situation. If anyone has used it recently, I’d love to hear what you paid

I need to fix my credit, but I don’t know where to start. Right now, my score is low 600s, and I have a few closed credit cards with balances that I’m trying to figure out: Apple Credit Card: $1,500 limit, $1,700 balance. Closed June ‘23 Bank of America: $600 limit, $800 balance. Closed Oct ‘22...

Hey everyone, my uncle just got slapped with a collection notice from them for a supposed $700 cable bill. Here's the thing: he hasn't had cable in years, ever since he switched to streaming services. Apparently, there must be some kind of mistake, a case of mistaken identity maybe? But this...

Hey, folks. I've been getting calls from 800-351-4604, and they claim to be a debt collector. The caller asks for my personal info, like my birthdate, before sharing any details about the supposed debt. I’ve read mixed reviews online about this number, some say its legitimate, others call it a...

For those navigating college finances, Higher One was once a major player in the world of student refunds and financial aid disbursements. Partnering with colleges, Higher One provided students with specialized accounts (like the OneAccount) designed to receive leftover financial aid after...