I got denied for the gold card all year last year. 4 cards with them currently, customer for 5 years… but they just rather approve people for charge cards who barely make 20k annually… I made 120k last year and on track of 210k this year… scores sitting around 720-740 ALL year...

Seeing stuff like this makes me want to close my cards.

Nobody:
Credit Journey score: Nice job managing your credit. Here's your lower score:

My fiancé leased a car in 2020 and his mom wrecked the car shortly after causing the account to go in default well it’s 2026 and they’re still reporting the account as open causing his score to suffer not to mention the interest that caused the debt to go up a tone…can they legally do this and how do I get this removed ?

I sent a dispute letter to them and the bureaus but it the info came back as accurate

I am young and got my first credit card a few months ago. I get 1% cashback, so I put all of my purchases on my credit card. I always pay it off a few days before the monthly deadline (or earlier if I'm getting close to the limit), so that I never carry a balance month to month. However, I am confused on what people mean by certain things.

1) 30% rule: I've heard that using more than 30% of available credit will impact your score negatively. However, some sources say that if you pay off the card, it does not impact anything. If I have a $1000 limit on my card, and I spend $800, but pay it back, will my credit score go down or up? I've also heard that you should try not to use more than 5% of credit, but then I wouldn't get cash back.

2) Would opening more cards help my score go up, or just keeping this one? Google says that it'll go down because of utilization ratio, but is mine 0 or 80% in this scenario?

3) Do I have to carry a small balance month to month to increase my credit score? That doesn't sound right but I've heard people say it.

Sorry if these are obvious questions, thanks!

I am a Chase customer. For over a year, my CCs(2) have been over 26% interest. Finally called them and asked for some assistance. Told them I was a long time customer and have paid on time. They denied me, I asked for a supervisor. She was amazing and helped get my APR down to 12% for 60months on both cards.

This will help me a lot to finally cut down this debt. Don’t be afraid to ask for a lower CC rate and if denied, ask a for a supervisor to speak to about the matter. Happy hunting.

So I had around $90k in credit, no loans or mortgages in the past 10-15 years. I only use roughly .5% or less of my credit each month. Carry a balance on 2 or 3 of around $200-$300 total, which is paid in full each month when statements close. I started doing that & got my FICO 8 score up to 803 finally. Used to bounce around 780-790 until I read the hint that said ppl tend to carry a statement balance on 2 or 3 cards then pay off in full each month.

Fast forward to July 1st where I applied for another BofA card that has a $20k limit. I couldn't find anything to say when statement closes & missed it (the 10th) so had a statement balance of $250. All of my other cards were paid in full before statements ended. My score is now 784. Wondering when/how to get back up?

Also does this affect authorized users on 2 cards I have with no balances on them but limits of $15k-$20k?

I have a Verizon wireless account I paid off in full right before it was charged off by Verizon. I paid Verizon directly in full but now it's showing on my credit reports as a charged off account that is paid in full. Is there anyway I can get these scumbags off my credit reports??

Ive been monitoring my credit for awhile and my Equifax score never moved and has always been lower than the other two. Equifax finally moved after months and I paid down a CC. Even after the 29 point increase, Equifax is still super low compared to the other two.

I have pulled my reports and reviewed them, I have myfico which updates monthly.

Is there anything specific I should be looking for on my Equifax? There isnt any difference I can spot between the accounts being reported.

Any help is appreciated.

This is mostly just venting. I submitted a dispute online to Equifax because my credit report shows two SSNs, one is mine, one is an incorrect one. I uploaded a scan of my Social Security card. About 30 days later, they responded, saying they updated my SSN..... to the incorrect one! Even with the social security card I attached, they removed the correct SSN...

Now I need to file a new dispute, hoping they get it right this time.

I’m trying to help a college-bound 18-year old remove a credit freeze so he can open a credit card account. He spent hours going through the AI chat, never found the option to remove the freeze, and each request to speak with a live rep ended in a hang-up with a referral to the website. The Experian website is equally useless, as it leads back to the same 800-number and AI chat. There appears to be no solution. Has anyone found a solution?

I know this is probably a long shot, but I’m hoping someone here has actually had success.
I have a $9 charge-off from Affirm that’s my only derogatory account, and it recently caused my rental application to be denied.
The frustrating part is that I wasn’t ignoring the debt. I’ve been trying to pay it for months, but I couldn’t access my account. Every time I called Affirm I got a different answer. Some reps told me there were multiple accounts associated with my information, others said they couldn’t verify me correctly, and on my most recent call the representative couldn’t even access my account because of a system issue. They opened another escalation, but this has been going on for months.
Has anyone here actually gotten Affirm to remove a charge-off or goodwill delete one?
If you did
What did you say?
Did you go through Executive Relations?
How long did it take?
Did they remove the entire tradeline or just update it as paid?
I’m looking for real success stories (or honest experiences if they said no). Thanks!

I understand the importance of paying my credit cards off in full and on time, and keeping my utilization low (at 5% is what I’m going to keep to). I don’t understand for what timespan that credit/utilization is for? Could I hypothetically spend the 5% utilization and then pay it off and then the next day do the same thing? I’m not even sure if I’m wording the question correctly to be honest.

For example, say my limit is $100. I only allow myself to charge $5. I pay that five dollars off the same day. How would it affect my credit score to then the next day spend $5 and then pay it off?

I apologize if this makes no sense 😅

Recently had a collection deleted and that made my transunion score jump almost 100 points. But the other two scores have not moved. Why is this happening?

The collection has been removed from Experian and Equifax as well so the score should have gone up.

A little background:

Haven't missed a single payment in probably 3-4 years (mortgage, car, student loans, credit card)

Nothing in collections.

I had a chapter 13 bankruptcy that was completed/closed 3 years ago.

I have one credit card and maintain a very low balance on it.

For the last 2 years, I just haven't been able to break 700. Do I just need to wait the 7 years for the bankruptcy to fall off?