2022.01.22 02:44 Christ_MD My Journey
Turning 40, and always been a pay with cash kinda guy. Never really thought too much about credit.
Side Note: I did open a credit card when I turned 18, but only used it once and paid it off and forgot about it. It has obviously been closed since then.
Fast Forward to a few years ago: I went from cash is king to always using my debit card. I got a small student loan to go to a trade school. Paid that off never missing a payment.
Now last year I was wanting to upgrade my bedroom set. I had most of the money to get it, but I was becoming impatient. So that lead me into looking into financing it. I could easily pay off the financing in 2 or 3 months, but I was denied financing, so had to go through a subprime lender and paid it off within 2 months.
This got me to take a look into credit cards, remembering my 3k limit on that first CC long long ago. I figured why not open a new one up and use that for financing.
Denied! … Denied? Okay, let’s look into my pre-approval offers… CapitalOne Quicksilver One. Approved! $300 limit. $300 ??? What the?
…this is what got the ball rolling for me to take a look at my credit scores/reports. Now I am just soaking up all the info I can to build my credit up.
11/21 CapitalOne Quicksilver One $300 12/21 Discover IT Reserve $300
Today: 01/21/22 Chase Bank Journey (EX) 741 CapOne CreditWise (TU) 655 Discover FICO 8 (TU) 753
Experian FICO 8: 769 Equifax VS 3: 739 TransUnion VS 3: 655
TU is low because there is an item in dispute
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2022.01.22 02:44 DomartzYT Yo monke army
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2022.01.22 02:44 ConstantClinomania I broke up with my toxic boyfriend of 4 months and started dating a girl I've had a crush on for over 4 years. (TL;DR at end of post)
8 = Fake name for my ex (toxic boyfriend of 4 months)
1 = Fake name for my new girlfriend (girl I've had crush on)
8 was a terrible boyfriend: constant verbal and mental abuse and strictness. I couldn't leave whenever I wanted to because he kept my keys hidden somewhere. If I wanted to go somewhere, I had to tell him where it was, what time I'd be back, and who I was going to be with. He would read through all my texts messages, google docs, and notes so I would have no place to vent. 'No' was not an option when it came to sex. He would guilt-trip or manipulate me until I 'agreed,' and he was so good at it. I only realized he was doing it when I talked to a classmate. He took advantage of my trust and was so critical of me. Every word, choice, and opinion were all judged and never good enough. If it wasn't what he thought, it was wrong, and I was a terrible girlfriend for thinking otherwise.
I actually hooked up with 1 a few weeks ago, and we've been secretly dating ever since. I've liked 1 ever since we were freshmen in high school but never had the guts to tell her. I didn't know if she was into girls and spent countless days questioning whether I actually liked her or not. It took me forever to confess. The night of the hookup, she actually confessed first. She said she wanted me ever since our Sophomore year but had the same 'what ifs and doubts. We laughed about it for a while but eventually proceeded with our. . .adult activity.
I'm surprised I was able to keep my and 1's relationship a secret from 8. Although we never texted, took photos together, or posted about each other, I was sure 8'd get suspicious with how much I hung out with 1 in school. But thankfully, he thought that I was anti-LGBT and didn't suspect anything.
One thing that I may do is start going to therapy. When I refused to let 8 be in the sessions with me or let the therapist tell him what we talked about, he said he wouldn't allow me to go. I've dealt with a lot of stuff over the years that I've never really talked about, and I think therapy would be really beneficial for me. Sure it's expensive as hell, and I hate asking for favors, but I may ask some of my family members if they can cover the expenses until I can start paying for it myself. I'll try my best to pitch in, so I'm not relying on them entirely, but it'll be tricky making sure I don't give away everything I got (I always feel like what I give is not enough) lol.
Also, can we talk about how underrated 'All of You' from Encanto is? Don't get me wrong, I love We Don't Talk About Bruno, but All of You is also pretty good. After the line "Ok so. . . we gonna talk about Bruno? (That's Bruno)," it just gets better and better. My favorite part is Dolores's. I love her voice and the fact that she found the love that she very much deserves. While I do question if Mariano is the right guy, she loves him, and that's all that matters. Idk why I'm talking about this like they're real people, lol.
I broke up with my highly toxic boyfriend of 4 months and started dating a girl I've had a crush on for 4 years. A few weeks ago (when I was still dating 8), I hooked up with 1, and we started dating. I was able to keep our relationship a secret until I broke up with him.
I think I'll start therapy and ask some family members to cover the costs until I can pay for it. I'll pitch in when I can, but it'll be hard not blowing out all of my money (I always feel like what I give is not enough).
'All of You' from Encanto is underrated, and I love Dolores's part. Not sure if Mariano was the best pick, but hey, who am I to judge.
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2022.01.22 02:44 Afraid-Cellist-9470 Playing this game on an Xbox One X, it still holds up amazingly, there’s a charm to the graphics
2022.01.22 02:44 kidkoala_1 On the sixteenth of March I plan on walking eastwards towards the rising sun! Wish me luck!
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2022.01.22 02:44 SnooLentils816 TRADING DEIMOS KCR AND ENDER KCR LF: STWOH FOR MY ENDER KCR + ADDS AND HOH FOR MY DEIMOS KCR OR OFFERS
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2022.01.22 02:44 BetterInThanOut Are there any higher resolution World Map mods that include landmasses added by other mods (e.g. Tamriel Rebuilt)
As the title says. The only thing close that I've found is this, but the problem with it is that it doesn't add in any new landmasses and, if I understand correctly, does not contain global map markers.
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2022.01.22 02:44 reddituserart Blood clot
2022.01.22 02:44 OrwellWasRight69 THEY Are Openly Calling Themselves "THE ELITE" Now ... Masks Are Off!
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2022.01.22 02:44 Unfair-Combination51 Are you guys allowed to work less than 50 hours a week? Does being part
I'm extremely pro union and its principles, but there is a little but of a contradiction.
so one of the principles of being in a union is "No matter how difficult the going, a union must fight in every possible way to advance the principle of labor unity."
So obviously I'm for improving working conditions. To me, part of that is allowing a good work life balance. And to me, the principle stated above means "If your coworker is having a rough day you go and help them so you might work longer that day".... but I believe a distinction must be made between that and "My boss is not hiring enough people and its ruining my work life balance".
Is it possible to work a normal 40-50 hour week?
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2022.01.22 02:44 Boloar Recommendations for a driving school in the Margao area?
2022.01.22 02:44 homophobiclobster Propagandists be like:
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2022.01.22 02:44 Faction_Chief @USATODAY: "We are overjoyed to confirm that we have welcomed a baby together via surrogate," the couple announced. https://t.co/kxA4PPVxS5
2022.01.22 02:44 cUrRyPuFfKiD W/L?
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2022.01.22 02:44 Ok-Mode3602 Is winter rare for Iberian wolves?
2022.01.22 02:44 bucket--bot 1984 teenagersbutpog be sent down, except 3
2022.01.22 02:44 AmySharpton This cloud computing course bundle is on sale for 98% off
2022.01.22 02:44 Zero_dollars_NiNi (What's the real reason that causes dandruffs) I guess Wirtual enjoyers got some
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2022.01.22 02:44 krakenrabiess How did women back in the day handle BV and yeast infections?
2022.01.22 02:44 Teedo5581 Buh dum
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2022.01.22 02:44 Faction_Chief @USATODAY: The singer has agreed to give her ex-husband a share of their multimillion dollar ranch. https://t.co/s0IFIQ5j9V
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2022.01.22 02:44 SherbertClear583 Smell Dreams purchase
2022.01.22 02:44 WeBofSilly Open World games are similar to starting a relationship when you're young...
2022.01.22 02:44 Jonaraja tell me your favorite funko pop and I will talk trash about it
2022.01.22 02:44 AmySharpton Copy and paste text from images with this cheap lifetime subscription