Cloak's success story

[mamiof3]

WOW awesome. it's BEAUTIFUL! So happy for you!

[Cloak&Dagger]

Awesome job!!! Gives me hope!!! Were you within SOL or outside when you did all your disputing?? That's my biggest fear.  Pretty much one more year and they are all SOL.  Congrats on the house, it will be beautiful!!!!  Thanks for sharing your experience and success!!

 

Chicaloca

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Most were outside SOL...though definately not all of them. I would say about 70 percent were outside SOL...30 percent within SOL (but no one sued to collect...so I guess in a way I was lucky).

 

I know the waiting is hard...but I think you'll have a much easier time of it if you're out of SOL.

 

Thanks and good luck!

 

[Deaf CEO]

Cloak ya go !!!!!!!! WOW!

 

THAT IS A BEAUTIFUL CRIB!!!! SOMETHING LIKE THAT IN GA would cost $300,000 to and up ......

 

WOW!

 

I WANT TO GET A BOX OF KLEENEX...... THERE IS A LIFE AT THE END OF THE TUNNEL

 

never mind i got the answer to my own question?

 

Let me ask you this.. is there a some sort of tool that I can use to figure out how much house i can realistically afford..... I trying to get a $300,000 house I currently live in a $150,000 house with my wife. But we paying tooooo much $$$ for it... and i am leery of all these internet offers for loan .. but it seem like they are interest only loans.. ie.. $160,000 for only $600 a month??? and we paying $1020 a month with 6% interest rate on a 30 year loan.... but I am like we need to refinance esp if we arent going to be here for the rest of our life..... I like my house but I dont like the lack of closet space.. it amazing what ya can culiminate in 3 year short year of marriage lol

Edited November 8, 2005 by Deaf CEO

[Cloak&Dagger]

Thanks CEO! Check this link (it's in the newbie forum...you should definately read everything you can in there):

 

http://creditboards.com/forums/index.php?showtopic=32

 

TU = Trans Union...one of our 3 (not-so) friendly CRA's.

[Deaf CEO]

thank Cloak... i appericate ya telling me about dem awful TransUnion

[sml1997]

Wow!!! Cloak, this is truly an amazing story. I am new to this website, and I am totally encouraged by everything I read on here. I am right now, exactly where you started off. I am even planning on proposing to my girlfriend of 6 years. When I saw the picture of your house, I had to stop myself from shedding a tear, because of course "Men don't cry". But if we did, your story would be the one to cause it. Thanks for being an encouragement to us all.

 

God Bless!

 

-Sam (sml1997)

[BlueGhost]

Congrats cloak...

 

I hope to soon be following in your footsteps

 

I have three CA's with t atotal of 6 derogs between trhem before I am 100% clean.

 

And following your post and others here since March of 2005 I have made great in roards to my goal to the 700 Club.

 

As you said...with out CB here to illuminate that light at the end of the tunnel I think I would have crawled under a rug and not come ouit for a LONG time.

 

As Cloak sez..Thanks Pam, LKH, breeze and crew...

 

Again VERY BIG CONGRATS on the new home.

 

 

BG

[Cloak&Dagger]

Thanks Blue. As one of the CB'ers who seem to have a better grasp of the law than most...I know you're not far away from the finish line.

 

[Nicole2320]

WTG C & D!!!! I must say that is real nice. A beautiful house

[Cloak&Dagger]

Wow!!! Cloak, this is truly an amazing story. I am new to this website, and I am totally encouraged by everything I read on here. I am right now, exactly where you started off. I am even planning on proposing to my girlfriend of 6 years. When I saw the picture of your house, I had to stop myself from shedding a tear, because of course "Men don't cry". But if we did, your story would be the one to cause it. Thanks for being an encouragement to us all.

 

God Bless!

 

-Sam (sml1997)

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Thanks Sam! It's not impossible...I keep telling myself that every time we go up to look at that place. If you would've told me in Feb of 2005 when I first found this place I would be here today...I would've said you're nuts buddy!

 

I'm happy I can share my experiences with others...if it wasn't for this place I would not have a chance in you-know-where of building a place like this.

 

Dream come true (CHECK!)

 

[Cloak&Dagger]

WTG C & D!!!! I must say that is real nice.  A beautiful house

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Thanks Nicole!

 

It's got siding and drywall now...we're going up this weekend for more pics (and hoping there will be something on the front of it to see how we did with the color selection).

 

[Nicole2320]

I have a huge smile on my face....i am soo happy for you.

[BrwnEyedGirl]

Congrats Cloak!!! You deserve all the wonderful things you have received.

 

I love your new home. That house in the San Diego would be atleast 700k - 1 mil. LOL

Edited November 23, 2005 by SDMuse

[Cloak&Dagger]

Thanks Muse....I'd be happy to trade weather with you anytime!

 

[recruiting]

GREAT WORK!! My only card was a secured crapone for 5 or so yrs so, there ya go!!

 

Again Woot!!

[unixkid]

I got rejected by AMEX. I had a 650 in TU.

[Guest ernestb48104]

Beautiful new home.  Mind saying how much you bought it for?  Being a home owner in a newly built house feels great, doesnt it?

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It's just over 3000 sq and we're paying just under 400k...thanks for the .

 

Yep...we are really excited! I couldn't be there without CB...that's for sure.

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Yes congrats!!!!!!! Hard work pays off.. So I am closing on my new home on Thurs Dec 1st and its 2900 sq ft in the low $300's with a full basement, 3 cae side load, but I think you have much better view your on a hill :-)

[Cloak&Dagger]

Thanks everyone!

 

recruiting I hear ya....we were sub-prime to the core.

 

unix don't give up! Reconsideration is a great word and AMEX is pretty friendly in my past experiences.

 

ernest CONGRATS on the new house!!! I'm sure it's a beauty. I hope to be joining you shortly as a fellow homeowner.

[Amia]

I noticed that you are closing on your house today!

Congratulations on your success!

[Cloak&Dagger]

Thanks Amia!!!!

 

Just to let everyone know...we have officially closed!!!

 

I couldn't have done it without CB...thank you everyone!!!

[Hawtness]

Congrats. This is my first day to these boards & your story is exactly what I needed to read to see that there is hope. Thanks for sharing & I look forward to reading more great stuff on these boards.

[Cloak&Dagger]

Thanks Hawtness and welcome to the CB family! This place is definately the right place if you want help along the way.

 

Good luck on your journey!

[Cloak&Dagger]

Just to let everyone know I updated the picture of the house on the web...we are now 18 days in and loving every minute of it!

 

Thank you CB!!!

 

[NaturalLove]

Hi C&D,

 

Congratulations to you! This is only my second post, but I have been following this thread since I found these boards last month. Your story is truly inspiring and you seem to have no problem sharing your experiences.

 

NL

[Cloak&Dagger]

Thanks NL! I know what it's like to be on the really low end of the credit world...giving back to me is a no-brainer considering where I was when I found this place vs where I am today.

 

Hopefully you find your journey as fulfilling as mine has been. Good luck!