Authorization letters for credit score

I used to be married and we had to use my credit cards to buy everything during the pandemic when we both lost our jobs. Money to pay the minimum eventually ran out and it went unpaid 7 months at 15.4k balance it went to collections and I settled with them to pay 60% of it, now a couple years later its all paid back. I know it will stay on my history for years now but I have no cards open and a low credit score of 520. How do I start to rebuild? Should I open another card, or try to... And just let it sit unused? Would that help?

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: none
• * FICO Scores with source (see note on FICO score sources below): Experian 679
• * Oldest credit card account age with you as primary name on the account: none
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 0
• * Number of personal credit cards approved for in the past 24 months: 0
• * Annual income $: 100,000

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: No
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: $150
  • * Groceries $: $400
  • * Gas $: $0
  • * Travel $: $50-100 on Uber, no car, public transport subsidy through employment
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $50-70 phone bill, $50 electric, no other regular spending
  • * Any other significant, regular credit card spend you didn't include above?: none
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $2,195, 2.95% fee to pay by credit card

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: No
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? No
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? No
• * Current member of Chase, US Bank or any other big bank?: No (Frost Bank is my only bank account)
• * Active US military?: No
• * Are you open to Business Cards?: No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: First credit card (have always used debit card), not authorized user on any other card. 27 years old, just started working last year (after finishing law school).
• * Do you have any cards you've been looking at? No

Hey guys
I'm 5 months pregnant and due in September. I'm a 23 YO girl who just got out of homelessness. I am in credit card debt, my score falls more and more each day, and I suffer from a range of mental illnesses (Depression, bipolar -doctors suspect, still need tests ran to confirm -ADHD, OCD, and anxiety)
I just got back into school, and I'm getting used to "being a student" again. Surprisingly, I'm doing very well - I actually graduated with the top of my class back in high school, so academics are something that have always come easy to me. As far as employment, I work an extremely part time job as of now and barely get any hours in. Before I went back to school, I was a notorious job hopper, mostly due to personal life reasons but a few reasons being job performance and anger out bursts + rage quitting at work.
before discovering how dysfunctional and incapable of fitting into society I was - it has always been a dream of mine to be a mom. I feel like I come from a very broken and estranged family, so being able to find/create a family of my own has always been the goal.
I have calmed down and started working on myself a few months before discovering I was pregnant. I plan on getting on medication as soon as my son arrives and I am actively looking for CBT therapists to hopefully help me become functional again. My patience has gotten better and my anger issues are also improving.
When I was a homeless dancer, I was on drugs (coke, alcohol, adderall, and made some wreckless and impulsive decisions, especially concerning my sexual safety). I slept with 4 guys, but all wore condoms except 2. I would have to request a paternity test from both of them to confirm who the father is, but the guy I really suspect is a long time FWB I had long before becoming homeless. I slept with him to get coke.
That should tell you enough about the mental aptitude of me and the father. He's actually in a good place financially and could help out with co-parenting but he's made it clear he doesn't want to be a father and even told me to go get an abortion even though I'm 5 months in.
I don't want to be associated with either of those two guys after my son is born.
I can't even afford my OBGYN visits - I have to figure out how to meet the deductible for my insurance company or I have to call an adoption agency and find a family who's willing to cover my labor and OBGYN appointments. I also heard horror stories of new borns being taken from their birth mother immediately after labor and I already know myself and know I wouldn't handle a situation like that. I would like to have AT LEAST 30 minutes of holding my baby or spending a few days in the hospital with him before he's taken from me.
I've convinced myself that if I were to put my son up for adoption, he would come back in my life but that is no guarantee. I'm convinced my financial situation will improve though, and I do think my mental health will be a lot better within the next 5 years but those are no guarantee either. With or without my child, I want to improve my life and I can feel myself never going back to what I was before. My plans are to get a job working assistant admin by next year since I'll have my associates, pay my credit card debt off, and by the time I graduate with my bachelor's, I hope I can land a better paying admin job.
I already know once my son is here, and if I have to give him up for adoption, I'll live everyday with a bitter and broken heart. I was already kind of detached and cold and felt so spiteful and bitter about the world before he came, when I have to give him up, I know I'll be hurt yet again by the world, but at the same time I would love with soooo much relief knowing he's in the hands of a loving two parent home with all the resources he needs. And if something happens with the adoption/foster care system, I pray I'll be in a better financial situation by then and let him come back home.

I wrote you a poem, here it is

Clean-scented laundry fills the room, I can’t breathe, it smells of him, I’m now shrouded in gloom, Of a love that burned bright, and yet died too soon. Wherever you are, in your absence I weep,
Why you couldn’t stay, is a secret I keep so deep, You needed to find your own way, they’ll say, You leaned on me and we fell, caught in life’s play.
But as the memories fade, I still long for the day, When our love was the sun and when the world was our bay. I choke on your closeness, a love beyond repair, In truth, it was a soiled love in disarray, o’how life is cruel, and unfair.
And as the memories fade, I go on, wishing I’d been wiser, held on tighter, and with care. But our love that once burned so bright, has now died by our past’s despair. And so I move forward longing for a time that couldn’t last, at the very least, aware.

I've never been good at expressing myself, and you know that, having been at the brunt of it. I even came out to my mom in a letter. Here are the words I wish I could tell you now but can't.
You trusted me to care for you when you were low, but I could never do the same. My feelings were buried so deep that I couldn't find them for you. I'm sorry. It's been 3 years, and not a day has passed for me. The memories we made are as fresh as garden herbs, so it pains me to see that you've moved on. It's selfish, I know. Of course, You deserve it; You are singular and bigger than life to me. I pray at every recollection that you've found a brighter joy I couldn't provide. I'm 21 now and so are you, still young, yet the heights we reached gave us aged insight into what love should be. If nothing else, I'm glad to be a stepping stone for you on your way to finding your ultimate love and truth. I've worked hard to recognise my bpd tendencies yet remain undiagnosed for various reasons. Our last week together scored my heart and yours too. I know understand that the emotions I feel are transient, and If I work hard enough to recognise that I might just inch toward a better place. I still haunt your instragram, I saw that you took your boyfriend to the same show we attended together. I remember how much you love that show; you cried when we saw it. It belonged to you, yet I had somehow claimed it as mine all this time. It hurt not gonna lie, but this isn't about me. You've found someone to share what we once did. So while I drown in tears for the dozenth time, I am genuinely happy you've moved forward. I could never articulate this to you, but I often shudder at the thought I may never love someone as deeply as I loved you. I know, I've tried and failed. I am indifferent towards everyone, a walking corpse. But don't feel bad, this part isn't about you. This is mine while on this journey to heal wounds that were gaping before I met you. At this point I still fear the healing process. I'm starting to believe that maybe my life was meant for you. It felt that way then while I could never show it, and it feels that way now even stronger in my sorrow. My history that you couldn't have known would have told you that. Looking back I really did share nothing while you bared yourself for me. I'm so sorry to have humiliated you like that. I was nothing and when you arrived I was finally something. When you left me I reverted to nothing. Even worse than that, to have glimpsed the end of a long, draining passage and then to have lost it, it feels like I'm wandering in the dark again, and searching for an exit that is no longer accessible. The future I envision is a steep cliff. Back then It almost led me to my demise. The abyss is so deep but I haven't the courage to end this suffering I've always been acquainted with. You were my yesterday, my today, and always. The future is a mirror reflecting the past and it's all you. I'm working to change that. I am trying to move on but it really is so hard. I'm glad it seems easier for you. So as I wave goodbye from this sinking ship beyond the horizon out of sight and out of mind...
Best wishes.

Hey everyone, for one of the pre-reqs for some schools, I took "credit" instead of a letter grade. I have to retake it now because schools require a letter grade. If I add the class as "planned" for July 2024 does that look bad when applying now since I haven't completed it? Should I skip the schools that do require it or am I okay to add it as planned? Please lmk what you think, thanks!

Over the last few months I've been in a very dire situation. My underage daughter was extorted/tricked out of some explicit pictures and an individual is selling these pictures online. I have his name, address, phone and ID number and yet local authorities aren't helping.
For context: This individual is an EU/RUS dual national residing in Dubai. He's getting paid for selling various such media and receiving payments via a US LLC he has set up in Delaware. It's obvious that hundreds of thousands of dollars pass through this shell company monthly. And before I get asked this: I've already sued this individual in his country of residence. However, the process to find justice can take many many years there, if ever. And ofc as always Dubai police is useless.
If I want faster results I'd need to target his companies. I have had multiple calls with Delaware police and even had a call with a police chief. They explicitly told me that if I want anything done I should try to get the attention of someone from the locale senate because the local police currently doesn't have neither the means in manpowefunding nor politically to act against the lax LLC scheme in Delaware in any way.
I went on to file a letter to the attorney general of Delaware, including a plethora of digital evidence presented to them in USB. They received the letter but never responded. When I called they told me off the record that they are not interested in such cases and I should instead be contacting the FBI.
Well, understandably after filing the FBI form and waiting several months, nothing has happened. It's more likely than not that the FBI has bigger fish to catch and won't even be interested in looking at a case whose only connection in the U.S. is an LLC.
I don't know what other means there would be to pursue this. This whole experience has been quite haunting for my daughter and me, especially after her peers discovered these media online, the abuse came to real life. I honestly thought US authorities would be more interested in taking down literal child porn, but no... What would be the proper way to escalate this? Perhaps I should hire a paralegal to write letters to google/cloudflare/facebook/tiktok/telegram and domain hosts etc where this abuse is promoted?

Hey everyone, for one of the pre-reqs for some schools, I took "credit" instead of a letter grade. I have to retake it now because schools require a letter grade. If I add the class as "planned" for July 2024 does that look bad when applying now since I haven't completed it? Should I skip the schools that do require it or am I okay to add it as planned? Please lmk what you think, thanks!

Today is my last day at work. My company works as a 3rd party administrator that assist employer and employee regarding their benefits.
I have this member calling why their benefits was terminated and I told the member because they did not pay for April that's why account was termed. I advised them they can request for a reinstatement but needs to send a letter for appeal, not guaranteed. The employee and his spouse started yelling at me saying they paid April and they used their credit card to pay which I told them "that's not possible since the website doesn't accept cc/debit card but must linked their bank from a checking/savings account to pay". Again, they continued yelling that they paid and while they are checking their bank for charges they started being racist saying I am not in the US and wanted to speak to someone state side. I told them I am in TX and they said I am lying and they need my home address so they can verify if I am within the US which I told them I am not providing my home address. For context, I am an immigrant. I can communicate well in English but you can still hear the accent. These people asked for a Manager and said "your Manager better be white" which I told them my manager is not white but she is Mexican. They got even more mad and started cussing me out and wanted to speak to someone "we wanted to speak to someone who's white and our kind because they understand us better than immigrants like you" their words.
They eventually hang up and said I wasted their time.
I am so done with this, my next job doesn't require speaking to people over the phone so I am excited.

Hey all, just looking for some advice regarding retaking a course that is a req pre-reqisite for most programs. I ended up taking this class for "credit" and will have to retake it in order to get a letter grade. If I add it as a planned course I'm taking this summer in July will it be okay for ADCOMS? or will they look down on the fact that I have yet to retake it for a letter grade but am applying to those schools this cycle? Please lmk what you think. thanks

So, I've had a secure credit card for about three years now to build my credit. A secure card functions by my paying in $X first, then using that amount as my credit limit. I get a credit card out of the deal and get to build my credit score, and they, of course, get to see my spending history on the card. About a month ago, the company I got the card through converted my secure card to a platinum card, but my balance was already almost maxed out, so that remained. Now a month later I somehow owe about 20% over what was on the card. I at least got a good credit score out of the deal- now that I have real debt, and a payment history I'm at about 750, but my hours were cut at work, and I already cant afford the card.
Maybe this is just a cautionary tale, but is there any advice?

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Vent/Rant.
Just received my “we’ve decided to explore other candidates…” dear John letter (email) from SNHU for an adjunct slot. Here are just a few of my qualifications:
GRADUATE of SNHU (same exact program even..) with a perfect 4.0 GPA. President’s List EVERY semester. A FINALIST (1 of 5 out of more than 100) to deliver the COMMENCEMENT SPEECH at SNHU. SNHU Distinguished Graduate award.
A Masters Degree in the same program from Johns Hopkins University- where I AGAIN earned a perfect 4.0 GPA.
Five years of teaching adults - both classroom and field.
First-generation college graduate. 27-year military vet. Senior Enlisted Advisor to the Commander. (all of which equips me to help first-gen and military personnel navigate and succeed in a college setting)
Ten Years of actual boots on the ground experience in the field of study.
Letter of Recommendation from the DIRECTOR of my program at Johns Hopkins.
Published author.
Trust me, the list of quals goes on.
So what does it say about SNHU when one of their own absolutely crushes it by all accounts and then can’t even get a frickin look for a gig that pays for shit???
I mean wtaf? Do you have to cure cancer or something? What are these universities doing???
Tells me exactly how much SNHU values their degree programs.
Beer.
F-it… Whiskey!

I have around 7k in debt on one capital one card. My score went from 790 to 490 because of two missed payments while my partner was in the hospital. How I got the debt might not be important, but it wasn’t from spending. We were forced to move out of our rental (not evicted- they sold it for cash without letting us know) with no reimbursement of our security deposit and I put the full down payment for our new place on my CC hoping I could get the money our landlords owed us back through the court system. Good news is we will be getting it back- bad news is it’s been 2 years of me paying my minimum and the interest kills me. Debt went from 3k to 7k so quickly. How can I get my score up and eliminate this debt? I haven’t spent a dollar on this card since 2021. My income only allows me to spend around 400 towards the debt every month. Interest is usually around 200. Would a balance transfer card be a good option or should I just wait till the lawsuit settles and pay off the 7k in full at once? Or would paying it off in increments be better for improving my credit? Any advice welcome. Just trying to get out of this. Thank you!

I'm trying to move out with my best friend and I have no clue if it's good idea or not but I'm wanting to add them as an authorized user to one of my credit cards to help boost their credit. Yes, I trust them entirely but I'm just confused how authorized users work and if it would actually be beneficial to them.
I have credit around 750 and I've had credit cards since 2018, but my oldest open card was in 2020. This might be a stupid question but if I'm trying to choose which card to add them to, do I use my oldest credit card or one with the highest limit or best rewards or what?
They have a credit score around 650 and can't be approved for any loans to get a vehicle due to short credit history and one missed payment (they have a credit card but haven't for long). I'm hoping my score and 100% on time history and older credit age might help them look better to lenders and boost their score. Can anyone provide more info on this?
TL;DR: Close friend I trust has low credit score and history, mine is significantly better, want to know how to choose which of my credit cards to add them to

Basically, I messed up.
I just landed a job that requires a ton of traveling, so wanted to get an AMEX Card to help gain me status with Delta quicker. I assumed AMEX Gold would do that, however I just learned (as I got the card in the mail today) that none of my purchases go towards MQD's.
It looks like if I want to upgrade the card that I'd have to wait at least a year before I can do so. So the next best option is to re-apply for a Delta AMEX Platinum and then cancel my current Delta AMEX Gold. I literally just got the Gold card today and haven't made any purchase on it.
Will this process ruin my credit score, or hurt me in any way? Or is there a better way to get around this?
TL;DR: I'm a goof and thought AMEX Gold gave me AMEX Platinum MQD Boost, so I wanna know the best way to switch / upgrade that won't harm me.

Hello all,
I'm one of those in line for PSLF forgiveness, with 120+ payments, loans in forbearance status, accruing interest and I'm not making any more payments.
The consolidated loan that was originated on 3/7/24; appeared under student loans over the weekend. I'm wondering how this loan in forbearance is effecting my credit score for all these months while I wait for the forgiveness to be granted.
Anyone in similar situation, if you are making payments to keep the credit score up what made you decide so? Am I okay if I am not planning any major purchases in next 6 months?

I had a hard inquiry done on me when I applied for a pre approval loan from a bank. Then my credit score went from 725 in April to 622 in May. I had no idea they were going to do that, and I had no idea how terrible hard inquiries are for credit scores. Is there anything at all I can do? I’m trying to buy a home and my credit score is affecting my interest rates…

I’ll do my best to keep it short.
I got into a bad car loan after being referred to a not great dealer by a shady mechanic - $19k for a 2021 Hyundai Elantra used with 62k miles.
I live in Florida and have 2 previous at fault accidents. My credit score is 595.
My car payment is $420 at 18% APR. I was planning to look at refinancing the loan in the next couple months. But I just got my renewal quote from progressive and it’s $4200 for 6 months.
This is just completely unaffordable. I was paying $465 for insurance the last 6 months.
When I purchased the car the dealer knew I still had my California ID and told me it was no problem to title and insure the car there [obviously it was not]. That meant my rate quote for insurance at purchase was approximately $200.
No, I did not know about the Kia Hyundai theft fiasco at the time or I wouldn’t have bought it.
I live in a city that is not very walkable. I work remote but my partner does not. Obviously keeping the car would be helpful, but I don’t see how it’s possible. Putting the car in my partners name likely wouldn’t change much due to his poor credit. The only thing I can think to do is sell the car, pay off whatever I can and take the loss.
Any advice is appreciated.

I need some advice regarding an issue with my apartment lease renewal in Maryland. I currently have a month-to-month lease at an apartment complex that I've rented at since 2021, and the lease terms are updated each year before my renewal date on June 1st.

In February, I received a pre-lease agreement stating the rent increase effective June 1st, along with information about an optional service called RentPlus. RentPlus reports rent payments to credit bureaus for a monthly fee. Since I have an 835 credit score and will be applying for a home loan soon, I opted out of this service by checking the "not interested" box.

In March, I received the new lease for electronic signing, which included an additional page for the RentPlus Addendum. The addendum clearly states that "enrollment in RentPlus is entirely optional and is not a condition of this Rental Agreement." as well as "By signing below, or electronically accepting through your landlord, Resident is enrolling in RentPlus and agrees to the terms and conditions set forth in this addendum and the RentPlus Terms of Use that can be found at..." However, the leasing office is insisting that I must sign the addendum to complete the lease renewal online. They have suggested I sign it and then immediately cancel the service, but I believe this contradicts the stated terms and I am concerned about any potential impact on my credit score.
The leasing office neglected to include the fee for my garage rental on my autopayment earlier this year, which resulted in them adding it halfway through the month and my rent payment being considered "late". While the service states that it only reports on-time payments, and will increase my score, I am concerned about any activity on my credit report. I've also read some posts claiming this service lowered peoples scores by opening a new account.

I have repeatedly requested a lease agreement without the RentPlus Addendum, but the office refuses to provide one. They are effectively making enrollment in RentPlus a condition of the lease, contrary to what the addendum states.

With less than three weeks before my current lease expires, I'm unsure of my next steps. I am exploring the possibility of renting a house starting June 1^st, but will need to continue renting here during the month of June to allow time to move. I will also be out of state 29 May through 7 June.

My questions are:

Is it legal for the leasing office to effectively force me into the RentPlus service despite the addendum stating it's optional?
What further steps can I take to resolve this issue without signing up for the service?
Is it a battle worth fighting, or will the leasing office decide to make things difficult for me for the remaining of my stay here, and when it comes to returning my deposit?
Any advice or guidance would be greatly appreciated. Thank you!

This might be a silly/stupid question. But I first opened my accounts when I was a minor. I'm an adult now but my parents are still account holders, just so that it's easy for them to transfer money in and out (since they always just transfer money to me for my birthday instead of getting me gifts, and I am still paying them back for my car which they paid for so it's just an automatic transfer from my account to theirs every month). I recently got a credit card and it's listed on my homepage along with my checking and savings accounts. I'm the only one listed as the account holder for the credit card, and I didn't add my parents as account holders or authorized users. I know that they probably can't actually go and look through the purchases I've made on the credit card (not that they would anyway). And I know that obviously, if they went into my checking account, they'd be able to see if I'd recently made a payment on the credit card. But can they see that I got a credit card from their accounts, or see the balance that's on it? I've been responsible with it and haven't racked up debt on it. BUT I do have some credit card debt on another (non USAA) credit card. I mostly got the USAA one because I'm hoping to be able to do a balance transfer from the other card and get the debt paid off more quickly. I'm definitely a bit embarrassed about the debt though and would really rather my parents not know about it.