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helpmeout

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  1. helpmeout

    Does affirm add positive points on your credit?

    Its just a credit line that lets you pay for products over time with some even being as low as 0% interest. It basically just gives you time to pay if you can not afford the full item but need it like car tires etc or for stupid ppl buying things u dont need.
  2. helpmeout

    Does affirm add positive points on your credit?

    No, but I never pay attention to it but was just wondering since this could help others.
  3. I just had a question since everytime you use affirm you get a soft pull which doesn't harm your score but as you're paying the loan does it positively effect your credit score/report?
  4. helpmeout

    Taxes and paying off car or some credit card?

    They are all credit card bills other then my car and Best Buy store card which I would pay off before the interest hits. It’s not like I am dying paying my debt. That 2k that I have through navy federal is a checking line of credit which is somewhat like a personal loan which will draw out if my bank is 0 to cover the cost like let’s say I spent $100 and I only have $50. I will spend that $50 and the other $50 will be coming out of that line of credit so essentially if I wanted to pay off my BOA I could since I would only have to pay 1.5k once I get my taxes back. That checking line of credit is only 16.90% also.
  5. helpmeout

    Taxes and paying off car or some credit card?

    I have a balance of 3.8k on my Nrewards visa 17.24% 6.8k on my visa platinum 18.00% 2k unused on my checking line of credit 16.90% 6.1k on my chase 12%(I closed it due to high rediclous interest rate which was 24%. My 3 navy lines are better as you can see with a fair interest rate so I didn’t need chase anymore. 4.1k on my discover 19.99% 3.6k on my BOA with probably 25%?(forced closed on me due to missing 2 payments and return check fee) but that was in November. $732 on my Best Buy(interest free) And now I have a 7.6k balance with a 6.19% on my car loan left to pay. i rounded up my payments up other then my Best Buy and my car loan. Now I do have a saving of 1k in my saving and I do have a 401k. I just paid 300 more on the Bank of America so now it’s going to be 3,547 and once I pay it with the 2k it will be 1.5k left.
  6. helpmeout

    Taxes and paying off car or some credit card?

    Im just going to use my taxes to pay some of my debt from my other card which is bank of america with a 3.9k balance on it so if I apply the 2.6k on it then I will have left 1.3k left on it. I pay to much on my car anyways paying 600 instead of the 450 they are asking me to pay but I only got 8.2k and as soon as they take this pay it will be 7.6k
  7. helpmeout

    Taxes and paying off car or some credit card?

    What do you mean by adjust? Fix what?
  8. helpmeout

    Taxes and paying off car or some credit card?

    I do have a 401k through my employee but I am lost when it comes to taxes. How the hell can I make it so they don’t tax me to much on my taxes every month?
  9. helpmeout

    Taxes and paying off car or some credit card?

    I’m single and I am 24 but I make way to much money for myself according to the government so I have to pay a lot of taxes out of my income every month which is not great. I got around the same amount last tax return and the irs has never sent me a letter or anything.
  10. So I will be getting at least 2.7k on my taxes and I plan to use 1.5k of that money toward my car payment then my car loan would drop from 8.2k to 6.7k and the rest I was planning on putting toward my credit card. Now my question is should I use that whole 2.7k towards my car or is the 1.5k enough. I started my car payment with 28k and now down to 8.2k wohoo but the reason I ask is because if I lose my job for any reason etc... then the bank to which I financed with can take away my car but with a credit card if I fall behind the worst thing is that it will just be on my credit report as late/delinquent. None of my payments are delinquent but I do have a one late payment on my credit report. Also I do pay more on my car then the minimum which is 450 but I pay $600 to finish of the loan faster because I do wish to get the title so no repo man will come and take my car. If I paid the minimum then I would not finish my car loan until 2022 or until the repo man comes lol but if I do pay all from my tax return then I could finish before even 2020 comes.
  11. helpmeout

    What is your thoughts on money lion?

    Because I would rather pay 1% in a dollar then 16% on a dollar.
  12. helpmeout

    What is your thoughts on money lion?

    I just got an ad on YouTube while watching a video so thought I’ll ask bout it in here. 5.99 is better Then all my lowest interest cc and that is 16%
  13. It said I can get a 5.99% interest loan but at what cost? Money lion is an app based loan company.
  14. helpmeout

    Is it time to refinance my car?

    What’s dcu?
  15. helpmeout

    Is it time to refinance my car?

    I guess I’ll just stick with Toyota and be done with it.

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