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  1. One more thing. I hope this isn’t too personal or make me sound like an uninformed flowers— but does your city offer an ADA transit discount or van? I’m not sure how common those service offerings are but thought I would mention it. I had a friend who used our city transit ADA van and they would pick him up at our apartment and help him into the accessible van. His rides were cheaper than my city bus rides. I’m not sure how it worked, but I can ask my friend if you like. He’s commuted to his day job with this service for years. I think he had to schedule the ADA van rides in advance with the city, but it sure made it a lot easier for my friend than trying to board a huge city bus. I don’t think they offered van ride service after evening as he took taxis after late night outs, but it might perhaps offset the cost and hassle of city buses just a bit. My city is reasonably sized, just over a million people: I wouldn’t imagine small towns would yet have such an offering.
  2. Yaystartingitover — What is your debt other than the student loan? None at all showing on any reports? That’s impressive. I really hope it didn’t sound like I was saying ‘you need higher income for a better FICO.” I’m not inferring that at all. CV15191, I also didn’t mean to suggest that income is everything here to yaystartingitover. It just helps a lot with qualifying for anything and having no debt. Yaystartingitover — Your higher income after you graduate and finish your teaching contract really will be something to look forward to. My first job out of school almost doubled my income, from something like $12/hour to $22 an hour. That helped me live a lot easier and build up some savings at the time. It sounds like you’ve overcome a lot and are doing the best you can and impressively staying out of debt completely. I personally have over $1000 in credit card balances. I’m working on my savings, and have preferred having some cash on hand instead of paying off balances. I can’t imagine working retail on the weekend after working at a school all day. Income just helps in an overall financial picture, and to help pay down debts, and to qualify for apartments (or perhaps a house eventually). As far as income not being a part of FICO, it’s not, at all. I don’t mean to say that high income is absolutely necessary for you to have a better credit score. It’s not. The poster above me is definitely correct that income is not part of a FICO score. But I was able to qualify for higher credit limits after both my credit scores and my income went up. (Credit card companies that manually reviewed me gave me higher limits after my income jumped up when I landed a full-time job after working part-time or being laid off for a while.) I also was able to pay some of my debt down after landing a higher income so that’s why I’m biased. I also am working on my income like you, but I have debt so my credit card utilization is high. My credit scores are near yours, perhaps a small bit higher. Income is not part of FICO, but income helps be able to stay out of debt and with manual reviews. I like to eventually think I might get a house or car one day, so manual reviews come into play for me. Do you have any federal student loans showing with your grad school grant? Any medical bill collections that might pop up? Have you considered trying to find a telecommuting job in the future after your teaching contract is up? Perhaps be an admissions rep for a college that lets you telecommute? I don’t like commuting, and I don’t even have a reason why. I think telecommuting might be a lifesaver for your finances if you could one day land something like that. You sound a whole lot like my roommate who has some health and mobility issues. He’s having a hell of a time commuting and trying to qualify for an apartment on his own with his just-above-minimum-wage income. I don’t drive myself, but wish I could help him out... even though I’m not wanting to add him or anyone as an authorized user on my credit cards. I would imagine that your roommates might even wish they could help you with transit a bit. I know my roommates try to help me with a few of my challenges, like not being able to wake up to alarm clocks (so they throw pillows at me to wake up me, LOL) and my messiness/inability to keep my room clean.
  3. I know income is not part of FICO at all itself. Income is a huge part of my overall financial picture, including my ability to qualify for higher credit limits, have no debt, and land nice apartments in the future.
  4. Yeah. They're not accepting members yet. When do they actually open? I've seen this "coming soon" message on too many 'neat' credit opportunities that never actually happen. Still waiting for a Lenny Credit invite, and it's been 1.5 years. It took over 2 years to get a Simple Debit invite. Ugh.
  5. Yeah. They're not accepting members yet. When do they actually open? I've seen this "coming soon" message on too many 'neat' credit opportunities that never actually happen. Still waiting for a Lenny Credit invite, and it's been 1.5 years. It took over 2 years to get a Simple Debit invite. Ugh.
  6. No, not credit reports. You can look at court public records to het an idea. Divorce lawyer should have sorted finances and joint debt.
  7. Yes, the banks would be fine. Banks would profit over the interest fees. The economy and stores would benefit from increased product sales/profits. Stores would hire more people. But, it’s obviously not going to happen, so that’s like asking “what if a unicorn goes and puts cotton candy all over every building in the world in one day?” Not. Gonna. Happen. There’s literally nothing that everyone on the planet would do in 1 day. Or 1 year. Ever. Everyone going to pull CASH out of banks the same day would harm the economy... but obviously not everyone is going to do that. Few will in a developed nation. If we’re talking in Venezuela or a “seashell” country, there’s thousands of things that can throw the entire economy and the entire country into turmoil regardless.
  8. ALL contract cell phone providers that offer a discounted or financed cell phone credit check. Verizon does a hard pull. AT&T does a hard pull. Sprint does a hard pull. Verizon varies by state. They pulled Experian for me. There are much, much cheaper mobile options out there than contract cell phone plans and financed phones. Used phones and discount carriers (StraightTalk at Walmart even) save a lot of money. That $80 a month per phone Verizon plan adds up over the 2 years.
  9. It seems like theyre website is finally working now.
  10. Huge debt liability difference in spouse vs girlfriend/boyfriend. You’re not responsible for a girlfriend’s debt in your state/country, are you? I’ve seen people who ran up many thousands on ‘secret’ credit cards, and their spouses were just as responsible for that debt as the other spouse who spent that money. That’s rarely the case- I’ve never heard of a person being responsible for a girlfriend’s/boyfriend’s debt. Annual credit report reviews with a spouse and credit alert monitoring, along with a household budget, are a very, very good idea for anyone about to get married or currently married. I wouldn’t marry anyone without a detailed money talk, including pulling latest credit reports and bank statements for each other. I bet more than 15 minute people have a secret bank account or credit card they haven’t told a spouse about. Click bait articles, but not surprising, and probably underestimating the numbers too.
  11. His medical collection is Not out of SOL I don't think. It's just under 2 years old if I remember right. I'll tell him Cap One secured wouls be a good choice. He wants to keep it basic and only have 1 or 2 cards max.
  12. Really? Weird. I can't even get to the login page.
  13. I havent been able to login all weekend at all, and last week got tons of under maintainence errors too. Is TrustedID by Equifax credit monitoring website working for you now?
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