u/bootyreaper223

▲ 1 r/CRedit

credit building

I recently started looking to buy a home but my credit isn't the best I'm sitting at 535 as of right now. I have a Capital one credit card with about 300 dollars on it that's 6 payments behind and a debt collector (IC systems) due to spectrum saying I never gave back their wifi equipment from about 7 years ago. the lady I spoke with at the bank told me that's the only two things that are wrecking my credit. I obviously plan on paying off both very soon but realistically if I pay those off how much do you think my credit score would go up? I need at least a 640 to get a conventional loan through my bank.

reddit.com
u/bootyreaper223 — 6 days ago
▲ 12 r/Advice

relationship and buying a house

I recently came across a beautiful forclosure property that was in a great area for an amazing price and a lot of square footage. my girlfriend and I went and looked at the house last weekend and decided the next day to proceed with trying to buy the house. this morning I went and talked to my bank and long story short my credit is a little low for a conventional loan. I went home and told my girlfriend what the bank said and what I need to do for me to pay some loans off. well she didn't like what I had to say and she started being extremely rude to me and being verbally abusive to be honest. Mind you she doesn't work. she hasn't worked in the 7 years we've been together. I have two jobs to support both of us while she gets to sit at home. I'm sitting here currently thinking if I should just say fuck the house and move out of the place her and I are living at and just going back to my parents and focusing on getting my shit together. I know this is mainly venting but advice is more than welcome on what my next move should be. do you think I should just split up with my partner and better myself?

reddit.com
u/bootyreaper223 — 8 days ago

been on Tirz for about 2.5 months now and I'm pretty open about it to most people if it gets brought up. yesterday I was over at my mother-in-laws with my wife and she said something that kinda made me feel some type of way. she said " your face looks really thin". I just said "oh yeah thanks" and left it at that. she kind of was shitty about it but i ignored it and moved on. for context she started Tirz about a year ago but gave up about 3-4 months in because she wasn't doing her part to help lose the weight. I'm 25 and I started at 250 and down to about 218. The goal weight is somewhere in the low 180's. I try not to ponder about shit people say about how I look because it never bothered me for the most part but the way she said it and the tone she had felt she was jealous or something. idk lol.

reddit.com
u/bootyreaper223 — 19 days ago