Mariam

Subprime. Oh, yeah. And so that's okay. Yeah, yeah, yeah, yeah.

Correct.

Correct.

Correct.

100%.

100%.

100%.

Hi. Thanks for taking my call. You bet. Hey. So about seven or eight years ago, I found a debt relief company to help me pay off credit cards to work with the companies. And so we set up a plan where I would pay them $1,200 a month for one year, and then that would be enough to pay off all of the cards.

Hi. Thanks for taking my call. You bet. Hey. So about seven or eight years ago, I found a debt relief company to help me pay off credit cards to work with the companies. And so we set up a plan where I would pay them $1,200 a month for one year, and then that would be enough to pay off all of the cards.

Hi. Thanks for taking my call. You bet. Hey. So about seven or eight years ago, I found a debt relief company to help me pay off credit cards to work with the companies. And so we set up a plan where I would pay them $1,200 a month for one year, and then that would be enough to pay off all of the cards.

So at the end of 12 months, I get a note saying, well, all that money kind of went into a savings account, and then we started working with each creditor, and we couldn't pay this one off. And maybe that was in the fine print. I don't know, but that's not what I was expecting. I don't know. that point I was mad and just let it go.

So at the end of 12 months, I get a note saying, well, all that money kind of went into a savings account, and then we started working with each creditor, and we couldn't pay this one off. And maybe that was in the fine print. I don't know, but that's not what I was expecting. I don't know. that point I was mad and just let it go.

So at the end of 12 months, I get a note saying, well, all that money kind of went into a savings account, and then we started working with each creditor, and we couldn't pay this one off. And maybe that was in the fine print. I don't know, but that's not what I was expecting. I don't know. that point I was mad and just let it go.

Right. Right.

Right. Right.

Right. Right.

So, um, and that was, um, that was like eight years ago and no one's ever contacted me about it. Um, But at the same time, it shows up on my credit. And so my credit score is really low, even though, I mean, that's it. I mean, this is like 13 years old. I just assumed it would like drop off.

So, um, and that was, um, that was like eight years ago and no one's ever contacted me about it. Um, But at the same time, it shows up on my credit. And so my credit score is really low, even though, I mean, that's it. I mean, this is like 13 years old. I just assumed it would like drop off.

So, um, and that was, um, that was like eight years ago and no one's ever contacted me about it. Um, But at the same time, it shows up on my credit. And so my credit score is really low, even though, I mean, that's it. I mean, this is like 13 years old. I just assumed it would like drop off.

But I guess I was wrong. That's what I thought. I thought like after seven or eight years, it dropped off.