Jump to content

helpmeout

Members
  • Content Count

    218
  • Joined

  • Last visited

Recent Profile Visitors

392 profile views
  1. So I am 25 right now and I started of a car loan with 28k after rolling over an existing car loan because I am an idiot but right now I have less then 5k left! That is only owning the car since march of 2016 so about 3yr and 3 months later I have paid about 23k so far. My loan expires on march 2022 https://imgur.com/Wpf4euH https://imgur.com/wRFNWuw I expect to finish this before even 2020 starts and no I didn't get no help financially or anything. About to own my car financially free and be saving bout $600+ a month!
  2. It is reporting to the creditor but no matter how much I pay my toyota auto loan will not make my score go up. I am saying that it is not helping with my fico score but it is on the credit report.
  3. Get a cheap beater car for like 3k. You don't need to go overboard and have a car with a payment because later on he may have to do some budgeting.
  4. Well I am asking because just like my car loan it doesn't go on my fico score even though I am way ahead of payment due dates and way ahead of my loan amount.
  5. Well not really worried bout credit report as I have so many other accounts. Trying to build up my credit score. I have a car loan I am almost done with.
  6. So I got a checking line of credit through NFCU like 6 months ago and I was wondering does it build up my credit score? For ppl that don't know what a checking line of credit is, its just like a personal loan so when your checking account hits 0 the checking line of credit takes the - balance so your checking account doesn't have a negative balance unless of course you use everything from your checking line of credit.
  7. Didnt you get taxed on the bonus money? I heard they tax you thats why I am trying to figure if its worth it. I don't really care bout the credit hit as it wont bother me because I am not interested in getting new loans right now anyways.
  8. I bet u I won’t:). Gonna see on payday if I can pay a lot more because I just recently finished paying of my Bank of America card which had a balance of 987.
  9. So I was just wondering if I ask for a CLI will that effect me badly like opening a new line? I know they will do a hard pull but is it the same as asking for a new line of credit type of pull?
  10. I guess but I am really trying to buy a house ASAP so I am looking at ways to save money on bills and whether paying of the best buy credit card is a smart idea or paying down other bills. As of right now I am kinda renting and its alright but I want to move out before I turn 28. I know my car will be finished soon and if I could I would put every money I could on my car note because I have 6k left
  11. I don't buy techs or anything. I don't even have an apple watch or samsung etc... The only recent tech I bought was from best buy which was a 60 inch samsung 1.6k worth of tv which was a yr and a half ago latest smart phone is a an iphone x 256gb(when it was released). I do like cars as you can already tell. the last furniture I had bought was a $800 queen bed from discount bobs furniture which was 4 yrs ago and that was paid off with a 0% card to.
  12. I’m not new to 0% interest offers. Like I did mention I took advantage of BOA also when I had balance transferred 3k and I be done this month with the pay of to which I am finishing with $843.43.
  13. Saving money of course. Screw the FICO score because I wouldn’t need to buy anything but a house might be next because I’m only 25 and I might want a house soon, no renting. Eh I had a huge bill on my BOA but I used that for the balance transfer while it was 0% though so now that card is useless to me since it’s been closed. My next balance to tackle that’s a little high is one of my navy federal cc but interest is not to bad as it’s only %16 considering how my credit score was. The only reason I like 0% interest is I can always have time to pay it off without paying fully and no extra money is going out.
  14. So my bestbuy credit card is running out of the 0% interest in 5 months and I have $532.15 left which I’ll pay off in 5 months if I Want to PIF other wise I would pay $100 increments like I have been and pay 132.15 at the end of the 1 month left but I am also paying off my BOA cc which has $843.43 balance since it’s 0% interest is gone after this month. I have 6 other credit files excluding my car which I might pay $700 or 1k because I have 6k left on my car which would leave me with 5k or 5.3k afterwards.
  15. There is no fees if you refinance. I meant I was stupid as in I traded upto 4 cars to get to this price because the car originally was 21k but I had 7k negative equity which made it higher and my credit took a hit because I traded 4 cars.... My apr isn't bad considering my age though because I got 6.19% and like I did mention no one helped me out with anything. My next toy is to try and get a mustang gt manual v8 after I finish this car(not trading this car in) under 13-15k.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines