aroberson

That is awesome! Did they negotiate on price easily. We are hoping to buy our first new car next year Sent from my iPhone using Tapatalk

I was in a similar situation and Upstart did give me a loan, but I did not have a $1000 car payment. Try to cut down your phone and utility spending. I have the cheapest phone plan from verizon, only internet, and try to minimize my electricity cost. If you have an unlimited plan you may be able to just get rid of internet altogether. Also talk to your GF, if she really loves you she will sit down and work with you on a budget and plan to get rid of the debt. Would it be worth selling the cars and using the profit to buy older used cars so you can save $1000 a month? I only have 1 car payment and that helps a lot. Sent from my SM-G920V using Tapatalk

I agree. I have noticed an improvement now that my late is over a year old Sent from my SM-G920V using Tapatalk

Thank you for the info. when I got my new AMEX card, the FICO score notice said I was at 723, but I have increased my balances since then. Where should I be utilization wise?

Thanks! I have a discover card and check my score on that monthly. I will definitely work on a GW letter Sent from my SM-G920V using Tapatalk

Thank you! I will check that out

It is my only one, and the account is open and at $0 balance. It is with Cap. One, I know my score is very average, and that is with the fake scores from my credit cards. Still learning on how to get an accurate FICO score. I found this forum researching GW letters

I had one 30 day late in September of last year. How much is this affecting my score? I am around 700, but am wondering if I am missing out on an extra 20 or so points? Really trying to get to 740+, looking to possibly refinance the mortgage, and get a car loan in late 2020.

I had a bunch of CCs with balances on them and making just the minimums was killing me. I was able to get a loan through upstart that has a lower APR and I consolidated all of my payments into one. You can have them draft a payment bi monthly which works well if you get paid every 2 weeks. I have done pretty well with that, and have vitually no CC balances now

lol I will not, I am actually interested on working to pay my debt down and get some scores in the 800s

I use robinhood, and got into options trading on their, you can make some decent money if you are smart.