My credit score is 668

hello everyone. I’m a 19 y/o (20 in july) college student who lives with her parents, and it’s increasingly getting more tempting to move out, even though they say they’ll support me til I’m done with my bachelors. but they also say I will have to find my own insurance, and pay for phone and wifi if I move out. they also pay for my meds.
mentally, it’s a rollercoaster. there’s days where we are fine, then the next we dont speak. it can get emotionally draining. my parents both know I wanna move out, but they make sure they guilt trip me before I think about moving for sure. so that has really been the main factor of wanting to get a place on my own.
now the questions: how does renting work? I heard there are seasons for rent increase/decrease? idk if that’s everywhere or in certain places how much should I save? should I get a place on my own or roommates? studio or 1 bedroom? is it really worth it? should I wait? any personal experience or advice?
about me: I have no savings account (honestly don’t know how to start, my parents never taught me) my credit score is good, almost 800 I believe I don’t drive (not the biggest factor but can definitely be a setback, I hope to learn soon)
any comments helps,, thanks!

I really messed up that last couple of years in terms of spending beyond my limits. I'm discouraged by the idea that I'll never get down to a tolerable amount of debt BUT lately I've been working hard to get ahead on my bills so that I can start doubling up on my payments.
I have about 2.4k worth of bills every month. And the amount of bills are bare minimum: Rent, utilities, car insurance, phone plan, Internet, and the rest is debt payments. I don't pay for any cable or tv subscriptions and I don't have health insurance or a 401k
My income, at most, is 3k a month. I'm self-employed, so it varies.
What remains of my debt: •Student loans ~10k (6% interest) •Credit card ~4.5k (28% interest) •Taxes owed to IRS ~2k (I have no idea what the interest rate is, to be honest) •Car loan ~23k (8% interest) •Bank loan ~6.3k (20% interest)
Feels like I'm drowning.
My credit score is fair (700) and according to Credit Karma, I pay off 6k of my debt every year. So at that rate I'm assuming it'll take me 8 years. If I double up, then 4 years. But I don't see how I could double up on them when I barely have the money for groceries and maintenance on my car. Anyone else in my shoes? This sucks!

To put it short, I'm 25 and don't have very good credit. At the moment I probably wouldn't be able to get a mortage for anything, but my living situation has recently become more affordable and I will hopefully have an improved credit score and a 15% down payment in a few months, is it really easier to get approved for a mortgage on less then optimal credit with a credit union? I've heard people say for the last 5 years or so banks in Canada have been approving mortgages at a higher rate then credit unions.

I am a 22 year old recent college graduate looking to rent in NYC. I got a job making $75k per year. I have one roommate who is making $70k per year. I just got a credit card recently and don’t have a credit score yet, but my roommate has good enough credit. Looking for 2 bedroom apartments that are under $3.6k total so that we’ll meet the 40x income requirement.
My parent agreed to be a guarantor since I don’t have a credit history yet. My question is, when they calculate whether or not they meet the 80x rent requirement, would they use just the rent I pay (1.8k) or the total of 3.6k? My guarantor is also out of state (NC). They would cover the 80x requirement for just half the rent, but not for the full rent.

I haven’t been late on any payments. A collections account weirdly showed up on my credit report a couple of days ago. (I asked them to verify the debt before they reported and they still haven’t verified. Details in my last post) so now I have a 600-615 credit score. Is this gonna affect my employability for a sales opening I’m (hopefully) interviewing for soon?

Hi, I’m 22 and started my full-time career this year so I was looking into opening a second credit card! I’m looking to both build my credit and also apply to a great card that will be worth it. Everyone around me that is in the same boat as me has applied to Capital one or Amex, but I want to get advice beforehand and see what would be best for me. Thanks, if more info is needed I can provide!
I don’t pay any rent (live with my parents), I don’t have any huge expenses, or pay any bills other than subscriptions like Apple music and Netflix every month. I also travel for work/for fun a few times a year domestically.
• Current Cards: Discover it card, 2500 limit, member since November 2021
• FICO Score: 719 according to Discover app
• Oldest Account Age: 2 years, 5 months • Income: $70,000
• Average monthly spend and categories:
• Dining: $200+ (restaurants, i dont doordash/ubereats or anything)
• Groceries: $100
• Gas: $120-150
• Travel: ranges from $400-1000+ annually, depending on how often i travel which is a couple times a year
• Open to Business Cards: No
• What's the purpose of your next card? Building Credit
• Do you have any cards you've been looking at? Not specifically, unsure of what’s worth it
• Are you OK with category spending or do you want a general spending card? I’m fine with either

Hello F.I.R.E Redditors. Here is a complete picture of my financial profile so far:
Emergency funds: $3,000 earning 5.30% APY at online VIO Bank.
Checking account: $100 daily balance.
Debt: $0.
Tax Filing Status: Single.
Tax Rate: Up to 12% Federal, 0% State.
State of Residence: Texas.
Age: 46.
Gender: Male.
Kid(s): None. No plans on having any.
Desired Asset allocation: 100% Stocks.
Net Worth: $825,600 which is my all-time high today!
Annual Salary: About $70k with 3% increase every year expected.
Current retirement assets:
Taxable:
$51,664.82 -> Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), Expense Ratio: 0.04% at Vanguard.
ESPP: $5,303.72 -> Megacorp (2% of paycheck), 1 year holding period before selling required, 15% per share discount. Using the profits to invest in VTSAX taxable account at Vanguard.
Traditional 401k: $556,101.10 -> SP 500 Index PL CE F, ER (Unknown) 85% AND Small Cap Index, ER (Unknown), 15% 6% Company Match $1 to $1. I took the allocation advice from Bogleheads forums and this is what was recommended to mimic VTSAX.
Contributing $23k with True Up option available.
Roth IRA at Fidelity: $207,887 -> Fidelity ZERO Total Market Index Fund (FZROX), Expense Ratio: 0.00%. Contribution: $7k.
Pension at Fidelity: $0, Company merged into what it is today. employed for 1 year and 3+ months (Not sure if I will get any pension).
Employer has Roth 401K option.
Asset: 2016 Ford Fusion SE, paid off.
Never owned Real Estate. Always rented. I am paying at my highest rent in history which is now stands at $613.
Mother lives with me. She gets SSI, SNAP, Medicare/Caid. Family sends me the following funds every month:
Brother A: $500. Brother B: $300. Mother: $120.
I prefer to F.I.R.E at an expense of $60-$75k per year living in Texas (Not my main choice) (rough future estimate).
Credit score 800+.
Game plan moving forward:
Continue to contribute the maximum allowed by law into traditional 401k and Roth IRA.
Company also offers a after tax up to $10k into 401k with in Roth conversion and I am not sure if I use should be using that instead of VTSAX taxable at Vanguard?
Leftovers to VTSAX taxable (varies)
Overall yearly contributions would be at least $40k counting the 401k match.
When should I plan to take SS? I am aiming for age 70.
Health: Fairly good health so far.

My credit score is 745, my husband’s is around 780. Apart from our mortgage (about $69k still owed), we do not have any debt; not even a car payment. We are adamant we do not want to put our first home at risk, at all. Sorry for my ignorance, we’re just having a hard time understanding this.

Hey y'all. I'm trying to help my partner get her bills in order. She has 3 open accounts. 2 credit cards and 1 loan for a washing machine from Conn's.
She did get these cards while she had a much better job paying twice as much as her current job, but now she's barely making bills and we still have to get this shit taken care of.
The cards are capital one (she banks with them) with a balance of 1700 (maxed) she misses payment or is late and it bumps her back up to the max amount even after she's paid them a few times on time.
The other card is Kohl's. It had a 300 limit which she maxed immediately and never made a payment (I just found this out).
Conns wants 1500 to pay off the washer and I think she's paying them 108 a month.
I don't know what other information y'all need but I definitely want to help her get in front of the debt to pay it off. She's been making late payments on most of them , and definitely the minimum.
We need to get them paid off so that she gets her credit score going back up (or at least stop going down) and do better the next time around.
What steps should we take first?

Hey everyone,
Over the past two years, I’ve encountered some challenges with my credit. I have two charge-offs, my car was in repo status (but I managed to reclaim it by paying off the debt), and I’ve 2 other cards that have late payments on them.
These difficulties stemmed from losing my job. However, in December, I started working for myself and have since been able to generate income. I anticipate having enough funds by the end of the year to settle all of my debts, which total $12,000.
My question is, should I negotiate with the creditors to settle my debts in full and how long should it take for my credit to look good again? I aspire to restore my credit score to the 700s from its current 500. Is it feasible to achieve this within a year by paying off my debts? Additionally, should I consider disputing any items on my credit report before committing to significant payments?
Your insights would be greatly appreciated.

All right, here me out. I have been studying in Batman's Bruce Wayne's cave and have come to an incredible conclusion. But first, But first, let’s established what the problem is; imagine this: I'm a highly regarded investor looking to limit my exposure to theta decay, want to hedge my bets with a much lower risk of 100% loss, want stupid perks some stupid companies give to "stock holders," and also have a somehow negative credit score and even Jarrad from behind Wendy's won't give me credit?
Let me introduce you to stock ownership. Have a bullish theory on a stock? You can just buy the stock. Did the stock go down immediately? Congratulations, you now still own the original amount of the stock that you bought. With inflation you probably even made money, just don't look at the number for literally a few months. Did the stock go up? So sorry you made a little less money. I'm so sorry that there might have been an overly complicated options play that you could have made more free money with.
Speaking of free money have you heard of something called dividends? I bought some shares of a company one time and then they just literally gave me money. It was actually a little weird. I had bought the stock and it immediately dropped 30 cents, but then the next day it went up like 8 cents and then a few days later I got 60 dollars deposited to my account. I forgot how many shares I had, but I bought several tendies with the 60 bucks.
TLDR: idk I made $60 buying shares.

I owe around 2.5k to advance financial which I pay them 125$ every 2 weeks, almost all of that goes to interest and none to my principal balance. I started a new job and I’m making around 36k a year and got 707 credit score, I was wondering if it is a good idea to get a loan or a credit card with less interest to pay for that and forget about the crazy charges im getting

When applying for a mortgage,
Is it a good idea to lower your CC & LOC limits? Also, how many open credit accounts is good or bad?
I don't carry any debts and my score is over 800.

Hi! I just got my credit card for 1 year and is still unfamiliar with it. I have a question about my credit score. My FICO score has been 711 for the past 5 months. It doesn’t bother me as much and I always paid off my balance before the due date. This month, I paid off my balance before the due date but I have to use my credit card before the closing date. This puts a balance statement on my credit card that needs to be paid off next month. The problem is when I checked Credit Karma, it said that my credit score got -12 due to balance increased. Am I not supposed to use my credit card before the closing date? And if I pay off everything next month, will my credit score goes back up again? Please excuse my bad English as it is my second language. Thank you very much for reading and responses!

I’m an incoming first year and my SAT math score placed me in math 141 ; however, I need to place into 151 so that I can register for my major course work (i.e. bio and chem).
I plan to earn credit using the recommended modernstates.com + CLEP exam, BUT I’m anxious about how long it will take me to remediate (at most 2 weeks).
I got an email saying the best time to register is before June 1st. Exactly how long do I have before all the classes are full after that date?
(p.s. I took the placement test and scored horrendously lower)

My husband and I have been given the opportunity to buy the house we’ve been renting for 5 years. We both work full time, make about $110k annually combined. Credit scores around the 580 ranges and most of our credit cards are a few hundred dollars away from being maxed out. We have no savings, as with the bills we pay every month we’re really only able to save a couple hundred bucks a month. Is it even possible or worth looking into to see if we could buy this house? I know nothing about first time home buying processes or programs. I know our credit score and debt to income ratio is not the best. But this is a great opportunity and we really wanted to see if this is a possibility. We are in the Central Valley of California if that information helps. Thank you!

My dad, after a consistent and very slow decline, finally had a pretty good memory day today. He has what I guess is a "run of the mill" vascular dementia. I'm far from an expert.
A bit more than 2 years ago his wife passed away in early 2022. I didn't know, at that time, that he had any unusual health problems. They didn't tell me about any mobility issues, they didn't tell me about some of the conditions he had developed, and they didn't tell me about the dementia diagnosis. When she passed my dad just stopped taking care of himself, and he spiraled pretty fast. He spent a couple of weeks in the hospital while we got him sorted out and I was finally clued in to how far he had declined in the previous couple of years. I was able to get POA for his health and finances to help make decisions. A couple of weeks later the doctors said that he was OK to go home on his own with help from some occupational therapy, and a nurse visiting a couple of times a week. This was in mid to late April of 2022. By early June he was getting some pretty serious notices from utilities, credit card companies, and others wanting to be paid. Dad thought everything was paid automatically (said his late wife had set that up), and had been ignoring every bill that came his way. This was when I really found out how bad things had become. There hadn't been a bill paid in months, his wife had been using HIS credit cards for HER purchases, and as I recall it there was about $11,500 in credit card debts that she had left for him. On HER OWN cards she had about $19,000 in credit card debt (I never paid that, my dad was not a guarantor on her accounts). My dad's credit score tanked, and was flirting with dipping into the 500s. So I stepped in and took over. I'd never had to take over someone else's finances before, and thus began a whole lot of change in both our lives. There were mysterious bills that were getting paid from his accounts, his cell phone bill was in the hundreds, there were debts she had created; some he knew about and some he didn't. I had to do some very basic financial forensics to figure out what was happening. The list of her dumb-fuckeries is sadly extensive, she was just a financial-fucking-idiot. He had a few thousand dollars remaining in his accounts, but he had a consistent pension and Social Security coming in. I started prioritizing the debt into utilities versus credit, and started getting him set right. It took about a year or year and a half, but my dad became debt free, and developed a substantial savings. His credit score is in the mid / high 700s again.
He is good enough to live mostly on his own still. I call most nights to check up on him, run through the list. "Did you eat enough? Did you take your medicine? Did you get any exercise? Did you visit with any friends? How you showered recently?" And on Saturdays I go over to his house to refill his medications, take him shopping, take a rudimentary inventory of his physical and mental condition, and I take him to lunch, usually with my wife and daughter. I take his blood pressure, and report it to his GP via an online portal. I do a bit of picking up in his house, maybe clean some things. Remind him about upcoming appointments. This takes up most of my Saturdays. I also get him to most of his medical and dental appointments, work with his doctors and nurses, and manage most of his life. But I also have a house, a demanding career (where I have a full team to manage and lead), a wife, a four year old, and pets. Everyone and everything deserves attention, of course, but these days I feel like I am constantly trying to pour from an empty container. I'm always exhausted, and I wake up nearly every night afraid that I missed something. Did dad take his pills? Did we miss any bills? Is my daughter OK? Did I hear her coughing? Did I miss something at work? Did I miss a page out? I have to get up and check my work phone. I'm just exhausted, and burnt out on all of it.
But today... He remembered my daughter's name, my brother's name, my wife's name, and even the names of cousins. He remembered his friends' names, he remembered his bills, and where he put them. He was even a bit spry when I took him shopping. He cracked jokes. He was in the best mood that I've seen him in in.... hell, maybe years? He understood everything that I was telling him, and HE TOLD ME about an upcoming appointment that he remembered. And man... I needed it. I needed an easier day. It is like a little bit of the weight lifted. I know that it is just one day, and he might be having these good days on the days when I am not over there to manage his home, but I usually see more difficult days. It isn't a whole lot, but tonight it feels like the vessel I am trying to pour from finally has a bit of something in it, it doesn't feel so empty.

My husband and I have the opportunity to purchase our neighbors 3bed / 2 bath home on Oahu for $750K off market. We live next door and currently rent. It’s the right size, but the kitchen is a little outdated and small. We know we’ll be on the island for another 2 years and then would most likely sell it. Our credit score is 800+ and we’d put a couple hundred K down. We already own a home in VA that we rent out. Would you buy knowing the value will continue to increase only to sell in 2 years or just stick with our no hassle rental situation??

I just decide to went ahead and sign it as it is my first car. I don't think I can get a much better deal than this as first time buying a car, but want to check what other's think. Just for a little info, I'm not very young and already got like more than 10 years of credit history. Normal Fico on like Experian credit score is just good, haven't get to very good though. Probably because I never had a car and mortgage before.
Trim S Price 45660.91 Down 6000 APR 5.47 for 72 month Monthly 658.99

Long story short i would like to think i have an impeccable credit report for my age, and have no open debts that could create a negative account besides credit cards that are paid in full every month. Yesterday i received a fico notification that my score dropped 66 points because the balance of my credit card decreased, and then it says derogatory terms on the factors although the card was fully paid off before the due date. What should i do since fico is not showing the derogatory and my other reports have not updated. Thank you!

I (27m) am looking to buy a duplex in a mcol Midwest city. The specific neighborhood I am looking at ranges from 300-700k for a duplex. I have been saving up for a few years and have around 115k to put down. I had put an additional 30k into amazon which went up to 37k. I had it in mind to sell those shares to put towards a house, but unsure if I would want to do that. As far as my salary: I am a contract worker and depending on how much I work I net around 80-90k a year. I maxed 401k/roth for the last 4 years and put half my paycheck in a savings/brokerage account. Credit score is around 760.
Based on those numbers: what would be your budget for a house? How much do I put down? Do I pay down the mortgage asap?
I had it in my mind to put down at least 20%, save around 10k for random fixes after I buy the place, and pay down the mortgage asap.