Credit noob in $26,000 of debt. Advice?

2022.01.18 22:25 xenoqwerp Credit noob in $26,000 of debt. Advice?

Hello CRedit! I feel like I am in a precarious position and would love advice.
I somehow started 2021 with a 700 and it's been declining to 609 with a concerning 30 pt drop last month.
I recently moved careers to be self employed. It's what I'm building as a career but it's early on for me so I'm still building that income stream. I also drive rideshare on the side to make sure my bills get paid.
The pandemic hit me hard so I don't have any savings right now. I'm making ends meet, but barely and my bill timing sometimes screws me over. I owe: $20,000 student loans (in forbearance until 06/22) $5,400 car loan (June, 2021 @ 3.74% APR) $899 credit card (Chase Freedom | opened 11/21 @ 0% APR until November '22 | currently maxed out)
I expect things to get better soon as my self employment kicks off (winter is a low-gig season), but I'm concerned about having a couple late card payments, and constantly having my card maxed out. I know that's all bad for credit. I considered an Upstart or SoFi loan to make this transition period easier but that seems like it could be risky given my position.
I know I'm not sunk but I don't understand credit building at all. My goal this year is to establish an LLC and maybe be able to take out a loan to really jump-start my business, rent an office space, etc. I know I likely can't do that with a 609 credit score.
A friend told me that u/MickVain has stellar advice and that CRedit is super helpful for understanding this stuff.
Any advice or encouragement for a credit beginner is greatly appreciated.
submitted by xenoqwerp to CRedit [link] [comments]


2022.01.18 22:25 SQL_beginner Creating a New Column for Each Unique Factor

I am working with R.
I have the following data:

v1 <- c("2010-01","2010-02", "2010-03", "2010-04", "2010-05") v2 <- c("A", "B", "C", "D", "E") dates <- as.factor(sample(v1, 1000, replace=TRUE, prob=c(0.5, 0.2, 0.1, 0.1, 0.1))) types <- as.factor(sample(v2,1000, replace=TRUE, prob=c(0.3, 0.2, 0.1, 0.1, 0.1))) var = rnorm(1000,10,10) problem_data = data.frame(var,dates, types) > head(problem_data) var dates types 1 -6.772497 2010-01 A 2 6.769367 2010-01 D 3 18.914358 2010-02 C 4 6.517997 2010-02 E 5 19.616047 2010-01 B 6 5.129928 2010-01 B 
I am trying to make a final data set that contains a new column for each unique "group" within the "types" column. I know how to do this manually:
library(dplyr) graph_data = data.frame(problem_data %>% group_by(dates, types) %>% summarise(count = n())) col_A <- graph_data[which(graph_data$types == "A"), ] col_B <- graph_data[which(graph_data$types == "B"), ] col_C <- graph_data[which(graph_data$types == "C"), ] col_D <- graph_data[which(graph_data$types == "D"), ] col_E <- graph_data[which(graph_data$types == "E"), ] final_data = data.frame(col_A$dates, col_A$count, col_B$count, col_C$count, col_D$count, col_E$count) col_A.dates col_A.count col_B.count col_C.count col_D.count col_E.count 1 2010-01 189 130 57 58 53 2 2010-02 63 62 25 18 30 3 2010-03 46 24 12 12 11 4 2010-04 45 17 8 16 15 5 2010-05 42 26 13 12 16 
Is there a more direct way to do this in R?
Thanks!
submitted by SQL_beginner to rstats [link] [comments]


2022.01.18 22:25 needcoffee82 How is sarcoma diagnosed?

I found a small lump just under the skin on my abdomen that my doctor is evaluating. He believes it is a lipoma, but believes there is a very small chance that it is a liposarcoma. He's ordering an MRI with contrast, but I'm somewhat nervous about some of the things I've read about the contrast material. I'm curious about how liposarcoma is normally diagnosed and if there are other options to distinguish between lipoma and liposarcoma besides a contrast enhanced MRI.
submitted by needcoffee82 to sarcoma [link] [comments]


2022.01.18 22:25 Children_ofthe_Ummah New World Order Agenda Exposed - Top Secret Video Leaked

If you have a bit of understanding about the end time prophecies related to Dajjal as well as the current global political agenda, you will find this video very interesting. submitted by Children_ofthe_Ummah to MuslimLounge [link] [comments]


2022.01.18 22:25 cadenherring123 Binance Referral

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submitted by cadenherring123 to BinanceSgReferral [link] [comments]


2022.01.18 22:25 colalatte Tolyo Revengers is nominated in six categories at The Anime Awards! Daily voting closes on 25 January.

Tolyo Revengers is nominated in six categories at The Anime Awards! Daily voting closes on 25 January. submitted by colalatte to TokyoRevengers [link] [comments]


2022.01.18 22:25 jaelwelch Binance Promo Code 2021

Visit for Binance Promo Code 2021. The most used and at the same time the most reliable crypto exchange platform is Binance. Also, Binance extremely easy to use and learn. You can earn a 20% commission discount on each purchase.
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submitted by quintoncombs to CryptoTopDaily [link] [comments]


2022.01.18 22:25 theoffshoot Google AppSheet + Slack (channel create via Webhook)

Lets say I built a project management app in Google AppSheet and my vision is to run it on the left half of the screen and slack on the right side of the screen, Slack being used to channelize internal communication for each project. Google AppSheet is OOTB setup to call Slack Webhooks. Here is my list of requirements so far and relevant info I've found.

  1. From each project in my app, I can click a button and call a Webhook to create a slack channel for that project. I will use project name and project create date for the slack channel name. https://api.slack.com/methods/conversations.create
  2. When a user in AppSheet chooses a project that has a Slack channel associated, my slack client changes to that channel. https://api.slack.com/reference/deep-linking#client
  3. When a user archives a project in AppSheet, I want that channel archived in Slack. https://api.slack.com/methods/conversations.archive
When I research Slack incoming Webhook, https://api.slack.com/messaging/webhooks, I'm finding that they are for a specific channel.
How would I go about achieving the ability to create slack channels by name through a Webhook? Do I need a bot or app to create the channels on the slack side after the channel is messaged from the Webhook? Is there another option I'm not considering? Maybe a 3rd party Webhook that exposes more of the slack API than Slack Incoming Webhooks?
submitted by theoffshoot to Slack [link] [comments]


2022.01.18 22:25 bobbymorris123 Binance Referral Futures

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Funding Your Binance Account As referenced before, Binance is absolutely a cryptocurrency trade application. This implies that to begin exchanging with Binance, you will be needed to finance your account with some current cryptocurrency. This should be possible utilizing some other cryptocurrency trade wallet. Just go to your wallet where you have the cryptocurrency put away, select the amount you need to move, and send those assets to your substantial Binance account. The most awesome aspect of exchanging with computerized monetary standards is that everything occurs in a moment. When you select 'send' from your crypto trade wallet, your Binance account will be supported right away. If you register with a Binance Referral Link, it will provide to you 15% discount from your each buying.
submitted by bobbymorris123 to CryptoFarmer [link] [comments]


2022.01.18 22:25 musics_relaxant Hot Yoga and CONTORTION, flexibility, Total Body Stretch Flexibility Exercises

Hot Yoga and CONTORTION, flexibility, Total Body Stretch Flexibility Exercises submitted by musics_relaxant to iogaemcasa [link] [comments]


2022.01.18 22:25 85gaucho Human waste doesn’t inherently smell bad, we’ve just evolved to not like the smell to prevent us from eating it.

submitted by 85gaucho to Showerthoughts [link] [comments]


2022.01.18 22:25 Bellabluecat Remember when I posted asking for an ID on the local rabbits, that my friend was feeding, well

Well the rabbits that most you have insisted were cottontail (even though they’re behavior was wrong and the location has a 0.01 DNA test for both land cottontail and marsh cottontail), allowed a person to PET them. I’m pretty sure that’s not a normal behavior or reaction- I’m guessing they’re agouti mini-rex’s or does anybody have any other idea to explain the behavior
submitted by Bellabluecat to Rabbits [link] [comments]


2022.01.18 22:25 SniffTheMonkey Beats setting it on the ground!

Beats setting it on the ground! submitted by SniffTheMonkey to Archery [link] [comments]


2022.01.18 22:25 Strict-Algae-8599 Gender

What is the best way to ask a masculine looking woman what their gender is without seeming ignorant or mean? I feel like I should just straight up ask but idk. 😶
submitted by Strict-Algae-8599 to Tinder [link] [comments]


2022.01.18 22:25 dragonpunky539 My Artemis! Not quite sure what pattern she'd be classified under, any help is appreciated! In layman's terms she's a "tabby cow" lol

My Artemis! Not quite sure what pattern she'd be classified under, any help is appreciated! In layman's terms she's a submitted by dragonpunky539 to piebaldcats [link] [comments]


2022.01.18 22:25 tusketweather Currently

Conditions observed at 9:00PM | Temp: -4.3°C | Dew point: -8.3°C | Humidity: 73.4﹪| Wind: NW 18.4 gust 46.8km/h | Rainfall: 4.4mm | Pressure: 1005.5hPa | #Tusket #Canada #WX
submitted by tusketweather to tusketwx [link] [comments]


2022.01.18 22:25 cosmicwatch Aligning Automation Testing With Manual Testing

submitted by cosmicwatch to programming [link] [comments]


2022.01.18 22:25 shaysters Some friends and I got together to make Accessible Gaming Discord. We'd love to have you. Delete if not aloud.

Some friends and I got together to make Accessible Gaming Discord. We'd love to have you. Delete if not aloud. submitted by shaysters to accessibility [link] [comments]


2022.01.18 22:25 conceited_cape [USA-OH][H] Wii, Xbox/360, PS2-4 games [W] Paypal, Venmo, local cash

Hey all! I'm looking to clear out some stuff from my shelf! I will ship individual games in bubble mailers, and bundles probably in boxes, it depends on the size. Shipping is not included in the prices, and will be an additional $5 per order, with free shipping starting at $50. Bundling is encouraged, and we can work out bundle deals too! I am also willing to do local meetup, local is 44691! Look out later this week for my posting with more Nintendo stuff and PS1 stuff!
Wii
Mario Kart Wii - CIB - $40
Super Paper Mario - CIB - $15
Tatsunoko vs Capcom - Case and game - $45
Wii Party - CIB - $50
Wii Sports - loose - $20
XBOX
Baldur's Gate Dark Alliance - CIB - $20
Baldur's Gate Dark Alliance 2 - CIB - $25
Dead or Alive Ultimate 1 - CIB - $15
Gun - CIB - $5
Lego Star Wars: The Video Game (platinum) - Case and game - $6
Teenage Mutant Ninja Turtles - CIB - $12
Test Drive Eve of Destruction - CIB - $35
Tom Clancy Ghost Recon - CIB - $5
Tom Clancy Splinter Cell Bundle - all CIB except the first one, which is case and game only - $35
Tom Clancy Rainbow Six Bundle - both R6:3 (CIB) and R6:3 Black Arrow (case and game) - $10
XBOX 360
Call of Duty World at War - CIB - $8
Dead or Alive Xtreme 2 - $30
Fable II - CIB - $10
Fable III - CIB - $10
FEAR - case and game - $20
FEAR 2 - disc only - $15
LA Noire - CIB - $5
Left 4 Dead 2 - case and game - $10
Lollipop Chainsaw - case and game - $15
PS2
Jak II - CIB - $7
Jak 3 - CIB - $10
Midnight Club II (GH) - CIB - $10
Romancing SaGa - CIB - $40
State of Emergency - CIB - $10
Stuntman - CIB - $7
PS3
Assassins Creed IV: Black Flag - CIB - $5
Assassins Creed Brotherhood - CIB - $5
COD Black Ops (x3) - CIB - $7 each
COD Black Ops 2 - CIB - $10
Drakengard 3 - CIB - $35
Folklore - CIB - $55
God of War Collection - CIB - $13
Harry Potter and the Order of the Phoenix - case and game - $20
Heavy Rain - CIB - $5
Marvel Ultimate Alliance 2 - CIB - $20
Silent Hill HD Collection - Sealed - $30
Uncharted Drake's Fortune - CIB - $5
PS4
Astro Bot Rescue Mission - CIB - $15
Cyberpunk 2077 (x3) - Sealed - $15 each
Cyberpunk 2077 - CIB - $10
Fallout 76 - Steelbook CIB - $10
Killzone Shadow Fall - case and game - $7
Kingdom Come Deliverance Royal Edition - CIB - $30
Knack - CIB - $10
Need for Speed Rivals - CIB - $10
The Order 1886 - CIB - $10
Star Wars Battlefront 2 - CIB - $10
Street Fighter V Arcade Edition - CIB - $20
Tales of Zestiria - CIB - $15
submitted by conceited_cape to GameSale [link] [comments]


2022.01.18 22:25 Ok_Understanding5273 $25 for the sauce , bank drops, clones, and WU slips @fledig729 on tele

submitted by Ok_Understanding5273 to DarkwebDrama [link] [comments]


2022.01.18 22:25 J87N What's your favorite cereal 😋?

submitted by J87N to ask [link] [comments]


2022.01.18 22:25 TeachinJapan123Abc0 Turned down by JET, was the statement of health by my doctor a factor in that? I have seasonal depression (Nov-Feb) and insomnia but my doctor was kind enough to only include the insomnia part because I can keep my depression under control.

Hi all, just got turned down by JET today and feeling pretty bummed (but I also applied to a few other ALT Japan companies as well so there's still hope!) and I suffer from chronic insomnia. For me that means I have trouble trying to sleep at night (I literally do not feel tired at all and can easily do an all-nighter) and waking up then mostly feeling tired for the first woken hour then again around 2-4pm.
I had my statement of purpose reviewed by numerous people including strangers and made corrections and felt I did really good on the essay. And I have a bachelors in sociology and currently tutoring English online for essays and assignments.
Some other things about me that may have also affected the decline by JET:

submitted by TeachinJapan123Abc0 to teachinginjapan [link] [comments]


2022.01.18 22:25 lss_bvt_and_16 Hello World

Reddit is great
submitted by lss_bvt_and_16 to LssAutomation [link] [comments]


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