My car payment was not being reported for 4+ years

I recently went to the credit union to discuss my account and I was told they don't see my car loan on my Equifax. I have been paying this on time for the past 4 years. This was being reported on my girlfriends account but not mines. Has this happened to anyone before? I'm wondering if they can retro post all the payments on my credit or will it be a new account? I currently only have 7 months of credit history paying a secured credit card but surely 4 years of car payments would have had a big effect on my credit?

reddit.com
u/Crazed-Dreamer — 7 hours ago

[WTS] Nigel Sylvester x Air Jordan 4 Retro OG SP 'Brick After Brick' Sz 9.5 [$250]

still in packaging. bumped the post to bring price down $30. Local pick up is Charlotte.

u/Crazed-Dreamer — 7 hours ago

[WTS] Nigel Sylvester x Air Jordan 4 Retro OG SP 'Brick After Brick' Sz 9.5 [$280]

Never worn still in packaging. Taking offers. Can ship whenever. Listening to offers

u/Crazed-Dreamer — 3 days ago

[REQ] ($500) - (NC-US) (Repay $900 on July 24, 2026) (Cash app, Venmo) - Rent

500 short on rent, can repay 900 on july 24th as this is an emergency. can provide proof of income, etc.

reddit.com
u/Crazed-Dreamer — 3 days ago

WTS TaylorMade P790 Iron Set + Ping G400 Woods + LAB OZ.1 Putter

CAN SEND VIDEO FOR PROOF!

https://imgur.com/a/mpgoIe8

2500 for set or I can sell items separately.

Complete golf setup for sale. Everything is in great condition and ready to play.

Clubs include:

• TaylorMade P790 Irons (4-PW)
• Ping G400 Driver
• Ping G400 3 Wood
• Ping G400 3 Hybrid
• LAB Golf OZ.1 Putter
• Callaway Jaws 60° Wedge
• TaylorMade MG 56° Wedge
• TaylorMade Stand Bag
• Red Tiger Rangefinder

Clubs when I bought them brand new = $3,600
TaylorMade P790 Irons (4–PW)
$1300

Ping G400 Driver
$500

Ping G400 3 Wood
$300

Ping G400 Hybrid
$250

LAB OZ.1 Putter
$550

Callaway Jaws 60° Wedge
$150

TaylorMade MG 56° Wedge
$150

TaylorMade Stand Bag
$200

Red Tiger Rangefinder
$200

Altogether brand new = $3,600

This has been a well-maintained set and includes some of the most popular clubs in golf. The P790s are forgiving and long with very nice kbs steel shafts, the Ping G400 woods are known for their performance and consistency with all normal shafts, and the LAB putter is one of the hottest putters on the market.

Not interested in trades

u/Crazed-Dreamer — 4 days ago

Invest in a producers dream! Looking for a small investor to help me start DJing — repay with interest

I'm putting together a DJ setup to start doing live shows — I've already got 10 years producing music under my belt, so I know my way around the gear and the workflow, I just don't have turntables yet. Looking at a pair of Pioneer DJ DDJ-REV7, comes out to around $2,239.99 total.

I have a few connections lined up that will give me a chance to do a couple shows until i learn fully!

https://www.guitarcenter.com/Pioneer-DJ/DDJ-REV7-and-Decksaver-Cover-Bundle-1500000406136.gc?algoliaQueryID=0b10275905139e23b54e8cf6a3125453&algoliaIndexName=guitarcenter

I'm asking if you'd be down to front the cost. In return I'd pay you back in monthly installments. I can put it in writing if that makes it feel more official.

For reference here is some of my mixes:

https://www.youtube.com/watch?v=m48zSq7k-5U

https://www.youtube.com/watch?v=ZRsvYZHLdXI

u/Crazed-Dreamer — 6 days ago

Minecraft is collaborating with Herschel to release limited edition bags, lunch boxes, pencil cases, and hats

The collection reimagines some of Herschel’s best-known bags with Minecraft-inspired designs like the Creeper, Enderman, Pink Sheep, the Nether, the End, and of course, the Overworld.

The Herschel x Minecraft collection is available now through Herschel Supply stores, Herschel’s online shop, and select retail partners. Meanwhile, the Herschel Backpack Trials add-on is available as a free download from the Minecraft Marketplace for those with Minecraft: Bedrock Edition.

u/Crazed-Dreamer — 12 days ago
▲ 1 r/Loan_

[REQ] ($200) (#Charlotte, NC, USA) (repay $275 on 6/26) (cashapp)

need money to pay for dogs medication. Dont get paid until friday! Can provide anything needed

reddit.com
u/Crazed-Dreamer — 12 days ago

Pre-Seed Payroll Bridge — Built the software that makes payroll migrations 10x cheaper and 10x faster

Every time a company switches from SAP to UKG, ADP to Workday, or Ceridian to anything — someone has to manually map thousands of employee records across systems that all use different field names for the same data. Today that's solved with Excel spreadsheets and consultants charging $300/hour over 3–6 months. A mid-sized company pays $150K–$500K for something that should take days.

I built Payroll Bridge to fix that. It's a fully working web app that takes a payroll export from any major system, auto-maps the fields using AI, validates the data before it touches the target system, and generates a properly formatted import file. The mapping profiles save and reuse across clients — so every migration makes the platform smarter.

What's built:

  • File upload with automatic source system detection
  • AI field mapping with confidence scores (SAP, UKG, ADP, Workday, Ceridian)
  • Validation layer with plain-English error messages
  • Export generator in each system's native import format
  • Full auth (JWT, MFA, bcrypt), multi-tenant isolation, audit logging
  • SOW-based access gating — companies apply, I approve, they get an invite link

The market: $35B payroll software market growing at 11% annually. SAP's maintenance window closed December 2025 — every SAP customer has to migrate now. No dedicated tooling exists for this. The whole market is consultants.

Business model: Project-based SOW contracts. $15K–$50K per mid-market migration. 70–80% gross margin. Traditional consulting charges 10x that for the same outcome.

The ask: $75,000 pre-seed on a SAFE at $1.5M cap. 18 months runway. Goal is 3–5 anchor clients and $100K revenue in year 1.

reddit.com
u/Crazed-Dreamer — 13 days ago

Pre-Seed Payroll Bridge — Built the software that makes payroll migrations 10x cheaper and 10x faster

[Seeking $75K Pre-Seed] Payroll Bridge — Built the missing infrastructure layer for payroll migrations

Every time a company switches from SAP to UKG, ADP to Workday, or Ceridian to anything — someone has to manually map thousands of employee records across systems that all use different field names for the same data. Today that's solved with Excel spreadsheets and consultants charging $300/hour over 3–6 months. A mid-sized company pays $150K–$500K for something that should take days.

I built Payroll Bridge to fix that. It's a fully working web app that takes a payroll export from any major system, auto-maps the fields using AI, validates the data before it touches the target system, and generates a properly formatted import file. The mapping profiles save and reuse across clients — so every migration makes the platform smarter.

What's built:

  • File upload with automatic source system detection
  • AI field mapping with confidence scores (SAP, UKG, ADP, Workday, Ceridian)
  • Validation layer with plain-English error messages
  • Export generator in each system's native import format
  • Full auth (JWT, MFA, bcrypt), multi-tenant isolation, audit logging
  • SOW-based access gating — companies apply, I approve, they get an invite link

The market: $35B payroll software market growing at 11% annually. SAP's maintenance window closed December 2025 — every SAP customer has to migrate now. No dedicated tooling exists for this. The whole market is consultants.

Business model: Project-based SOW contracts. $15K–$50K per mid-market migration. 70–80% gross margin. Traditional consulting charges 10x that for the same outcome.

The ask: $75,000 pre-seed on a SAFE at $1.5M cap. 18 months runway. Goal is 3–5 anchor clients and $100K revenue in year 1.

Can provide deck.

reddit.com
u/Crazed-Dreamer — 13 days ago
▲ 22 r/pokemon

Pokémon has turned Ditto into two adorable Nintendo Switch 2 carrying cases

Pokémon fans can soon carry their Nintendo Switch 2 around in a giant Ditto, thanks to a new line of officially licensed accessories.

Japanese gaming peripheral company Hori unveiled two Ditto-themed Nintendo Switch 2 accessories that transform the iconic purple Pokémon into both a plush shoulder pouch and a storage bag.

Like the plushie-themed Ditto case, the storage bag is compatible with all current Nintendo Switch models and will set you back ¥5,480 (around $34). Both Ditto accessories are currently scheduled to release in Japan in July 2026, and no international release date has been announced.

u/Crazed-Dreamer — 14 days ago
▲ 4.8k r/pokemon

Pokemon has unveiled a giant life-size Lilligant plush that's nearly 4 feet tall

It costs $370 and is launching for Pokemon's 30th anniversary!

According to the official images shared online, the plush stands 120 cm (3 ft 11 inches) tall, making it the same height as Hisuian Lilligant and slightly taller than the standard version of the Pokemon. In other words, this thing is big!

So, you’ll certainly need to ensure you have a dedicated space for this toddler-sized Pokemon to sit, as you could be finding yourself sitting or sleeping on the floor.

It’s not just the sheer size of the cuddly creature that is eye-catching either, as it also comes with a hefty price tag. Yes, Lilligant lovers will need to cough up ¥2,499, which is around $369 if they wish to bring the Grass-type home.

Sadly, the life-size Lilligant plush doesn’t have an international release date yet, so you may need to splurge even further to complete your giant plushie Pokedex.

u/Crazed-Dreamer — 18 days ago
▲ 69 r/Smite

Reminiscing on Smite 1... I miss it

Waiting weeks for gods at a time really has me missing smite. I wish they would've just left it the way it was.

u/Crazed-Dreamer — 24 days ago

WTS - Complete Golf set w/o Putter LOCAL TO CHARLOTTE

https://imgur.com/a/G1ysP25

asking for 200-300. Selling this complete golf bag minus a putter. Comes with 5-A Callaway Paradigm irons and some Titleist clubs as well. r9 Driver. All clubs are in decent condition. Please pick up in person if Local to Charlotte NC.

u/Crazed-Dreamer — 29 days ago