u/ConversationLeast596

IRS wanted a letter from my employer just saying the W2 is correct. Dumbest thing to request but of course I got the letter but don’t know how to get it to them. Anybody got a phone number I can actually get through? All I always get not matter what time of day I call is “we’re sorry and something about high call volumes and not being able to take my call.” I’ve tried 4 days in a row at ALL times of the day including when they immediately open

Got my QuickSilver card 6 months ago. Wanted to see how long I should wait before applying to the savor? Credit score was about 530 when I applied and got approved for QS, score has went up 115 points since then so now I’m sitting around 650. My debt has also decreased by $33k. I also have referred 3 people to capital one and shoot for 2 people per month. Not sure if that helps.

Got a USAA secured card for $250 back in Jan of this year(2026) does USAA automatically upgrade at 6 months or does it depend? Always paid off in full, no late or returned payments. Credit score increased by 80 points since I got the card initially

Anybody else done this before? How’d you make a plan of attack? For reference I have 1 night job and 1 day job, plan of attack is to reduce all my spending and use the salary from my day time job to pay out down. I have about $41k outstanding. I figure if I pay $3k per month I can have it paid off in 2 years. Does this overall help my score?