KeesdeWit

I would be more pro-active. Stop borrowing money for things that go down in value fast and stop paying for credit score monitoring. You would save a lot of money in these hard times.

It should drop off from your credit report pretty soon. You  might still be contacted about paying it. Bottom feeder debt collectors might start contacting you.

Credit score for 18 year olds?

You are a huge risk to any lender (expiring H1B, flee the country and cannot be found). I think that no one is willing to take that risk.

Yes, there is some truth to that. Many inquiries in a short period time (shopping for a mortgage for example), count as one. (two weeks time span). Why aren't paying cash for a car and stay out of debt?

I would not sign up with Equifax.   Get your reports from www.annualcreditreport.com at no cost, no subscription to anything. (They will try, tough)

I would close it.

It is the magic of credit scoring.

Is it yours? Is it a valid debt? It will not be removed if it is yours. It will show paid / satisfied when you pay it off. If it is not yours, you need to find an attorney.

Transfer is just moving, not solving or paying off the debt.   401K withdrawal will cost you taxes.

Credit does not transfer. I do not think you can put the card in your name (you are an authorized user only, not the card holder). You should have closed the card two years ago.

Why would you need more credit (= opportunity to go into debt).? Really, keeping debt around for a credit sore is not that smart, I think. Paying off the car is smart.

Yes, slowly.

Yes.

From Transunion.

Get a copy of The Total Money Makeover by Dave Ramsey, read it and follow the plan. Your library probably has a copy.

Why not sell one of the properties?

I would just pay it off and not worry about the APR.

I doubt it. Why not save and pay cash? (why a long commitment on an asset that goes down in value fast.)

What are you talkinga about?   CK does not show who you owe. www.annualcreditreport.com (no cost) does. Get your copy (once per year from each of the 3 agencies)

Stay away from buy here, pay here. You are going to be ripped off with interest rates. Save up cash and pay cash for a clunker.

Was it from them? CK does not tell you who and when. Get a real copy from www.annualcreditreport.com and verify.

Give it a few months. I hope the truck is not on a loan.

No. Why stay longer in debt? I suggest to save up a 6 month emergency to cover these periods. Plan to have your mortgage paid off when you retire.

Why would you need a credit card? Life without is just fine.