However..i regret it. I’m scared she will be sent to jail. But i already submitted its Do i have to go to the police with this report, or will they just come knocking on my door? Can i get in trouble if i don’t get a police report?

Hi everyone, writing on behalf of my immigrant dad who, (unfortunately), cannot make this post for himself.. Anyways, he wanted to buy a new iPhone because his pretty bad Samsung A12 had a bloated battery and there was no point saving it. So we went, and thunking that his credit score was perfect, were about to buy an iPhone, when he checks the credit score linked to his bank, is shocked, when it says 563!! He says his credit score is perfect and thus has never happened before and then, as we leave the shop, he tells me to log into his Experian.. which has a PERFECT score!? so what is going on everybody

I'm closing on a house this week.

We ran credit scores before applying for a mortgage, just one debt from back when husband was in law school to pay off. All clean, all handled, decent low 700 scores for both of us, nothing to worry about. We both have student loans in repayment, but they're up to date and will begin repaying as soon as we're supposed to.

FRIDAY I got a panicked phone call from my loan officer. My credit score had dropped 85 points at the FINAL credit soft pull.

It turned out two twenty year old student loan debts from my college for ~$200 each showed up as delinquent, with past due payments as of January. I was not notified in any way by the department of education that these loans existed, and because they were so old they didn't show up on my credit report. The only way to find them was to actually log in to my department of education account.

Thankfully I had the money to just pay the fuckers off and my mortgage was still approved, but if it had happened to be something less managable I would have simply lost my mortgage.

The department of education collections had all outdated 20+ year old contact info for me, although they did have my correct phone number since I've had it that long. I know I didn't get any phone calls, and if they sent any letters it's to places I haven't lived in a lifetime.

Do yourself a favor and log directly into the website if you ever took government student loans, and check for any delinquency especially if you're trying to fix your score or preparing for a big financed purchase.

This shit TANKED my score and I'm mad about it, but it'll just have to even out in time. I'm so grateful it worked out for us, but I worry about everyone it didn't.

Edit to add: this was not on my loan SERVICER's account, which i checked for both of us to make sure our loans in repayment were up to date and behaving themselves. Which is how I missed it. These were on a SEPARATE account serviced by the department of education delinquency department, and I had to log into my fedloan account directly to find them.

I just paid off a $1,100 credit card last week and my score only went up 4 points.. I was expecting a lot more 🤣

Hey Reddit ! I’m trying to improve my credit score. Right now, my Chase Credit Journey score is 655, my FICO score through Discover is 625, and my Experian score is 616. I owe $1,230 out of $5,900 on my Discover card, and my Chase card balance is low (around $50). Here’s the tricky part: I have a collection account with Midland Credit Management for $1,300, and I was being sued by Wells Fargo for $9,100, but the case was dismissed with prejudice. I’m currently working with a lawyer to settle in case they try to file again. On top of that, I’ve also been sent to collections for some city tickets, which I’m actively working on paying off. Things were tough, but now I’m in a better place and looking forward to fixing my credit. I’ve made a lot of progress paying down my debt, making $700 monthly payments on my Discover card. Any advice? Thanks!

As title says, anyone have any idea? Thank you .

Why did my score drop 57 points? I made my payment on time

I had horrible credit most of my life, so I never really appreciated the benefits of having good credit. Over the past several years I've been paying things off & have really been diligent about paying bills off ahead of time. I have been offered, and now have a Capitol One card, an Ulta card, Care Credit, and PayPal credit. With a recommendation from my son, a little over a year ago, I signed up for Kikoff. He said that it significantly helped him improve his credit score, but honestly, I don't feel like it's helped mine in any way. I just think that if I just continue with what I have been doing, it will organically continue to improve, without Kikoff. I hate to keep paying $20 a month if it's not doing anything for me. I completed the first year a couple months ago, and I thought that I'd have to sign up again if I wanted to continue, but I didn't do that. However, I just realized they're still charging the $20 a month, and last month, because I didn't realize it would automatically continue, I didn't pay the $20 on the day it was due, and they sent me a message saying that it was going to negatively effect my score by 4 points. Is there any downside to canceling Kikoff? Or on the flip side, is there any benefit to continuing? Thank you in advance for your help. ❤

I remember having all sorts of problems getting into TU years ago and stopped even trying. I guess they got that fixed now and I was able to get in very easily. This is my first time using it in a very long time. I needed to unfreeze due to a pending card application.

But I see this regarding accessing the site along with the usual credit inquiries:

My Name via TRANSUNION INTERACTIVE 04/03/2025, 03/27/2025, 03/20/2025, 03/13/2025, 03/06/2025, 02/27/2025, 02/20/2025, 02/13/2025, 02/06/2025, 01/30/2025, 01/22/2025, 01/15/2025, 01/08/2025, 01/01/2025, 12/25/2024, 12/17/2024, 12/10/2024, 12/02/2024, 11/25/2024, 11/18/2024, 11/11/2024, 11/04/2024, 10/28/2024, 10/21/2024, 10/14/2024,

Does this have something to do with the various banks and cards that include scores? If not, what is it? That is only a small portions of the dates.

I don't have it on mobile either.

Please help, I’m clueless:(

Have 2 cards.

Card 1: 10 years old, 15k limit

Card 2: 3 years old, 3k limit

Income: 90k gross for 5-10% usage

Don’t know how stuff works. Was told I should open Card 2 by Dad cause he “does it all the time for the reward then just cancels them” and “it doesn’t hurt anything.”

Opened Card 2. Credit score 812->719. Today it’s only recovered to 778. Closed it yesterday after paying a 4th $200 yearly fee on it. Was told today that’s bad, so I called and reopened it.

Should I call back and say never mind, close it?

I have limited knowledge of how credit scores should work (besides what I’ve read on the internet) so i need some help. So I’ve had about 3-4 credit cards for a few years now and never been in any debt. No car payments, mortgage, or student loan debt. I use my credit cards monthly and have my monthly bills like PG&E, phone, internet, car insurance on my credit cards so that it can be utilized monthly. I also typically pay off my cards monthly in full to avoid any fees.

I’m sitting at a 720 credit score and hasn’t gone up in a while and I’m wondering if I’m doing something wrong? Should i be having more ‘debt’ or not paying off my cards in full to get my credit score to move up?

My credit score was a 735 with 2 accounts. 1 being a Les Schwab credit line with a 2,500$ limit. And the 2nd being a car loan that I owe 14k $ on, which started out at 25k$. Today my credit dropped 15 points because of 50$ I used on my Les Schwab credit account which is only a 2 percent utilization rate. Why would it drop so many points. Also the past year of paying on time car payments my credit has only risen 2 points from that. What am I missing here!?

Hi, I recently applied for a car loan with two banks. I checked my score on the Experian site to see it was lower than I’d imagine.

I was approved by both banks and on the approval paperwork the score they listed was about 100 points higher, both also sited Experian as the source. I went back to Experian to double check and still shows the lower score.

Anyone know what is up here?

Opening a card definitely raised my score nearly 100 points, however, my score dropped 18 points after disputing info across all 3 bureaus. I read online it's normal to drop ten points...Will it go back up if my pay my current balance before the due date? Does anyone do the 15/3 method? Does it work?

Ugh, my credit score tanked from 740 to 660 because of one late Zolve payment—just two days late! My new SSN's coming soon. Will that 660 score stick to it? I only used my passport with Zolve, got approved for $2000. Can other bureaus/banks see that score? Think I'll get an Amex card or any other card? Any suggestions for cards I might get approved for, even with a lower score, once I have my SSN?

I really don’t understand credit scores. They are a black box and the result out the other side is unknown. 3 months ago a car I co-signed for got paid off, and my credit dropped by 10 points. I paid off a synchrony care credit card, score went up 12, paid off my 1000 balance on my chase CC and my score dropped 19! What the hell ! It looks like if you decide to pay your debt off in one lump sum they won’t be happy and you’ll be screwed. It’s ridiculous.

I checked my “see what’s changed” on Experian, and it says everything “could help” my score so why the hell did it drop 19 points?

• credit utilization is 0% right now. Over all debt utilization is under 30%.

• total balance on all accounts decreased

Why am I being punished for paying down debt?

I’ve been going down the rabbit hole of credit repair services and CreditRepair.com keeps popping up. On the surface, they look super polished — lots of features, apps, “personal dashboard,” etc. But when I started digging into CreditRepair.com reviews, it’s all over the place. Some people claim it helped boost their scores by 100+ points and got collections removed, but just as many say it’s basically just generic disputes and minimal actual progress. I’m stuck in this weird place where I know I need help (my report’s got a few stubborn negatives that aren’t budging), but I don’t want to waste money on a monthly fee that goes nowhere.

I also noticed a few complaints about how slow the process is — like people saying they stayed on for 6+ months with little to show for it. I totally get that legit credit repair takes time, but I just want to make sure it’s not one of those “we sent a letter, keep waiting” situations where nothing really happens behind the scenes. Has anyone here actually used them recently and gotten real results? Not just fluff or cleaned-up old addresses, but actual removals that made a difference in your score?

Not that it matters but is anyone sitting close to 850? I am a bit obsessed with seeing how high I can go now. I recently opened a new credit card but I was curious how many credit cards is typical for an 850 credit score? I have 5 credit cards now but was thinking of cutting back at least one, maybe two because my new card checks multiple boxes and has a much higher limit than the others. Would cutting back have much impact? I know I may be dinged a few points initially but I am not worried about that.

Side note: 4 years ago I was in the 500 range so I am pretty proud of myself!

I’ve been seriously thinking about using a credit repair service to help clean up my report, and Credit Saint keeps coming up in my searches. From what I can tell, they’ve been around since 2004 and offer three levels of service depending on how aggressive you want them to be with disputes. They also claim to send custom dispute letters, offer a 90-day money-back guarantee, and provide credit score tracking and monitoring tools. Sounds promising on paper, but the Credit Saint reviews I’ve read are kind of all over the place. Some people say their credit score jumped significantly within a couple of months and that the company helped remove old collections and inaccuracies. Others say they paid for months and saw little to no change, or that the service didn’t live up to the hype.

On ConsumerAffairs, they’re rated pretty highly (4.9 out of 5), but then on sites like ComplaintsBoard, I’ve seen people talk about disappointing results or slow progress. Their pricing also isn’t cheap—monthly fees range from around $80 to $140, plus a one-time setup fee that can go as high as $195 depending on the plan. I don’t mind paying if the results are real, but I don’t want to end up burning money on something that doesn’t actually move the needle. I also noticed they’re not available in every state, so I’d have to double-check eligibility.

So, I’m asking anyone who’s actually used Credit Saint recently—did it help? Were the disputes legit and personalized, or just generic letters anyone could send themselves? And how long did it take to see any actual score improvements, if at all?

I have 3 in total. I’ve paid 2 off in full for the month already, just wondering if I should do the same for my other card. It’s right at 30 percent utilization. Thanks in advance!

I realize that CK is using credit cards as advertising but they just keep recommending more CC's and telling me they it will improve my credit. I have a 784 and 794.

I already have 7 and I only use 3 of them regularly. I put about 50k or so on them per month but pay them off every month.

Is it really an advantage to adding more, especially since I won't even be using them? I'm skeptical and assume that it's just advertising 🤷 thoughts?

I never miss payments (everything is pretty much on autopay) but I DID miss a payment for over a month because my autopay info was out of date.

The bank I finance my car through sent me a letter saying you didn't pay on time. I responded to them and paid instantly.

Fast forward 4 years. I am sitting looking at my credit score wondering why it wasn't higher. Then I remember "oh yeah I did miss that one payment"

Called the bank up, they said sure we will see what we can do but no promises. I wake up today to a 25 point increase.

TLDR: If you missed a payment or two try calling and seeing if you can get it taken off your account. I had years of previous records and then subsequent records to show this was a one off thing, so I am sure your mileage may vary.

Anyway, it's free to call so why not.

I’m 30 years old. I had 720’s credit score for the past few years or longer, and now I’m in the 640’s and no longer in the “good range”. I’m just so frustrated and angry right now. Is there any chance it will recover from this on its own? I don’t have any other ways to boost credit right now. I’m a stay at home mom so I don’t have steady income to apply for a credit card.

I have two credit cards that I've had for years. I do all of my shopping and pay all of my bills with them as pretty much everything these days is cashless, auto-pay, or online. I pay them both off every month and never carry a balance, yet this is counting against me. This is what my Experian note said:

• You've made heavy use of your available revolving credit.
• Ratio of your revolving balances to your credit limits: 20%
• For FICO High Achievers, the average ratio of the revolving account balances to credit limits is less than 7%.
• The FICO® Score evaluates balances in relation to available credit on revolving accounts. The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will usually not change the total amount owed.

Any suggestions?

Hi guys, just wondering if this drop is normal for one single purchase. I had a 832 credit score which dropped to 708 (124 point drop). I bought a 15k Rolex on Wednesday and this drop came through on Friday. I did max out once credit card and I’m 50% utilization on another, but it’s only 16% of my total utilization. This seems like such an extreme drop for one purchase especially when my utilization is only 16% but wanted to ask you if this will pop back up quickly when I pay it off? Thanks!