Get one of your open cards below 8% and the other 0% util reporting each month. Wont PFDīanfield Pet Hospital $1,326 purchased by I.C. PIF pending Everyone,Ĭomcast: Collection Account $485 planning on paying in full this month <-Excellent. Systemįyzical Lakewood Ranch Medical Debt $185 purchased by Nexum Group. Pending delete.īanfield Pet Hospital $1,326 purchased by I.C. Surge: Collection Account $749 purchased by Credit Corp Solutions. Remainder in Jan 2024Ĭomcast: Collection Account $485 planning on paying in full this month Settled with CA for less than full amountīank of Missouri: Shows as CO $0 balance purchased by another lender, unsure who, possibly the Continental Finance account? Verizon Wireless: Shows as CO with differing balance amounts for each CRA. Webbank/Fingerhut: Shows as CO, sold to LVNV Funding who sued. Webbank/Gettington: Shows as CO, sold to LVNV Funding who sued. Remainder deferred until 4/26.įinwise/Opploans: Shows as CO on EQ and payment after CO for TU and EX, paid settlement offer.įirst Premier x2: Shows as CO, Paid settlement offer with CA Received approval letter, just waiting for final amounts. Student Loans: $57,609/$57,609 Pending borrower defense discharge of some of this debt. Still paying on time payments.Ĭapital One Auto: $36,920/$39,420 This is the new vehicle, planning to refinance to NFCU. GM Financial: $3700/$18220 6 lates, oldest late is 5 years old, newest is 4 years old. NFCU nRewards: 10% utilization $200 limit Opened 10/22 Has not yet graduated My situation is below:Ĭurrent Scores: EQ: 615, TU: 613, EX: 639 FICO 8Ĭurrent Inq: EQ: 2, TU: 5, EQ: 2 There is an inquiry on my TU that I am don’t recognize from Synchrony Financial that I will be asking to have removed.Ĭapital One Platinum: 10% utilization $500 limit Opened 1/23 My goal is solidify my relationship with NFCU, and qualify for a mortgage. This is my first post, and I apologize for the wall of text in advance. I would appreciate some help, as I am unsure of what my next steps should be. I went without a car for as long as possible, before financing a car. Going through a divorce and then the pandemic was rough. Of course, while in the process beginning to tackle debt, the transmission in my car went out. A life settlement can help them eliminate this burden and improve their quality of healthcare and life.Been a long time lurker and finally have gotten to a place where I am able to come to terms with my credit situation and begin to do the work. The same goes for seniors who may have purchased a policy when they were in good health, but now, with their deteriorating health, they may be struggling to afford the premiums. With them becoming financially independent, the policy may no longer be needed. For example, you may have purchased a life insurance policy to secure the financial future of your spouse or children, who are no longer dependent on you. You can reserve the cash to pay for long-term care needs that may arise.Ī life settlement is also an attractive option for those who have a policy with a high cash surrender value but don't need the death benefit.You can use the lump sum to create a retirement fund or supplement your retirement income by purchasing an annuity.You no longer have to stress over saving to pay for the premiums if you can't afford the policy anymore and don't want it to lapse.You no longer have to keep track of the premiums that must be paid to the life insurance company.It provides an immediate source of cash that you can use for any purpose, from paying off debts to funding a business venture and covering major expenses that may have arisen unexpectedly.As the policy owner, you can avail several advantages from a life settlement.
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