and my credit jumped like 20 points.

Good tip. I haven’t even started repaying and I’m looking for this so I can knock it down faster.

Crazy how it works.

Wait. I just watched the video and this is a lil different than I was thinking. I’m still going to try and make this formula. I was just going to pay an extra $100 or $200 every month along with the minimum. Does the date matter when it’s paid?

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TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*