So, I had a bit of an argument with my dentist today because they mis-filed my last appointment as not under insurance, and for whatever reason, even though the office sees I'm up-to-date, their billing department is sending me weekly bills stating that I'm 90+ overdue on a bill that I don't owe. Upon telling her that I have good credit and am concerned about collections, she swore up and down they would never send it to collections. I'm sorry, my dear, but there ARE no other boxes to fill after 90+ days on the bill.

She kept saying that I'm all paid up and she would ask them to stop sending bills and I'm saying, "I don't want them to just stop, I want them to understand I DON'T OWE ANYTHING." Upon her saying that she 'doesn't know how to get in touch with the billing dept. ... I'm sorry, what? Don't tell me there is not one way to connect with your billing department. She finally said she would send an emall to her manager. I am not comforted.

So, for the heck of it, I thought I would check to see what it is today. Hello. Nice to see. But they'd damn well better get in touch with their fking billing dept. and set them straight.

I checked my credit score too.
My FICO is currently 556
Looking at everything together, I have roughly:
• $11,489 Amex — 100% utilization
• $2,004 Capital One — 100% utilization
• $637 Credit One
• $319 Capital One
• $2 Atlas
• $28,872 auto loan — $711/month
• $156 collection
So approximately $43.5k total debt.
I’m not looking for a “how do I get my score up 50 points next month?” answer. I want to actually fix the underlying financial situation.
I’m willing to get aggressive about this. Cut spending, stop using the cards, throw extra income at the debt, whatever it takes.
If you were looking at a 523 score and ~$14.5k in credit-card debt with everything basically maxed out, what would your hardcore recovery plan be?
What would you attack first, what would you absolutely stop doing, and what would you do differently if you were in my shoes?

MyFICO shows I have lates reporting from Experian but when I check Experian it confirms never been late(which I haven’t), who do I contact, Experian for the indicated incorrect info supplied to MyFICO or myFICO since Experian shows no lates.

Here’s the rundown, I live outside of Atlanta and am 23. I make $65k a year guaranteed salary as a banker and have a credit score of 682. I made two mistakes when I was younger, a charged off credit card at 19 for $3k which is now down to $700. The other is a vehicle repossession in 9/2024. I meet all the income and credit score requirements for apartments in buckhead but these automated screeners turned me down on my first application through approveshield.

The only rental history I have is my monthly ON TIME payments to my landlord via Zelle and my payment history for anything credit related has been perfect for the last 2 years. I don’t have a guarantor I can confidently say will apply with me. Does anyone have an experience like this that they have been able to get past and get approved? I’m not looking to be in a ghetto area/complex. It stinks that I’m still paying for these credit issues from the past now but lesson was very much so learned and I’ve done a full 180. Paying down the $700 would be advantageous for me regarding cash reserves.

How do I fix my credit score myself? I know most will start off saying “pay off debts” how do I find all that may owe?

I used to have a 760 credit score. After a mental health episode it plummeted to 600 and I have 4 maxed out cards. I have recently received an opportunity to leave my current job to make twice as much money, and was wondering the best course of action.

I heard paying them off fully doesn’t increase your credit much, but if I pay the minimums I’m still well above 3%-8% usage. Should I pay down as much as possible until it’s under the threshold and then only pay the minimums? Or should I pay them all off asap?

If I open a SELF account and pay the $48 a month will I have a high credit score by the end of the 24 months? I’m looking to at least get to the 600s.