honestly bro you went for spite with this comment and there was no need for that. It's like the spite coming out from a mechanic. I'm not trying to get that broski.

You're honestly a bro for this response. I don't want to be sent to any court room, but I def will plead with the judge in terms of "unnatural causes". :\

*keyword* "typically" that's funny, I have multiple accounts both on my TransUnion and different type of accounts on my Equifax that all fit in a nice little category. I'm not saying everyone here doesn't know what they're talking about. But maybe study your credit score a little closely with who reports to what. All these accounts are over 2 years old. So it's surely not the credit union doing dumb shit over a reddditors response.

That's what I'm saying, I know it'll hit my credit. But I honestly don't need credit rn. I have a house and a good car after this. I'm just trying to catch back up before I splurge into anything that's a heap of junk essentially.

I've already got a new vehicle bro, tho is what I'm saying. I honestly *could* do this, but with all my late fees im incurring on multiple other bills is dragging me down.

Also, I was shocked by the approved car auto loan too. So looking at Credit Karma, this is what I deducted (because I actually view and *do* care about my credit score). My TransUnion has my car loan, and the Chime Credit Card. Since it only has those two, and my payment history is so good, my credit score for Trans Union is over a 720, which is what they *I'm assuming* they only used for it.

My plan was, to let it go to collections, get caught back up on bills and pay it off as soon as I can. I know it's the norm, but I'm not trying to be scummy and dip on it. I just have insane financial hardship going on and would like to get caught back up.

Again, if that's the case so be it, but I really hope they don't expect me to pay it all at once. I live in Indiana, and I looked up the JD byrider repo thing and it really didn't say anything about that, just:

"When repossession can occur:

The titleholder can repossess once you default on your loan, which could mean missed payments or that you are not meeting another requirement of the loan, such as maintaining insurance on the vehicle. See your specific loan or lease contract for details on what requirements you must meet to avoid repossession.

The repossession process:

Your vehicle can be repossessed on your property, provided there is no breach of the peace. The person who repossesses the vehicle must notify the local sheriff’s office before repossessing or with" for Indiana

Also, not trying to argue. Just trying to brainstorm 😭

I mean, if the debt is being rolled into some type of play later, then no. But I don't want to have anything to do with them again.

Again, I'm willing to pay that out. But honestly wouldn't this go to collections and I'd just take the hit on my credit and be able to pay it off later? Because it's literally this or my house lol