76Chick

Wells and US Bank have something called second chance checking. Although I don't recommend either of them... as banks... Trying opening a BofA account online.. see what happens? GL!

I am sorry - to clarify for beli... we already have all of those cards. =) We 4 at the beginning of the year. Some sound advice! Thank you all... =) I think I am going to make some serious budget changes... and then decide what to do. The thing is - we really need to simplify our finances... since we have the Hooters card now with the highest limit we've ever had, we will use that, coupled with our emergency fund, for, well..., emergenices.

So, we thought for sure we would be buying a house this summer. Did everything we could... but my score will NOT stay above 600. Doesn't help Verizon and University of Phoenix have FAKE recent 120 lates on our reports. They are TRULY fake - not fake as in, "but judge, it wasn't me..." Both accounts were paid in FULL for quite some time, when they tacked it on. I feel I am at a dead end... Anyway... We went on an app spree, that combined with what we had... Here's the list: Cap 1 Cap 1 (very small limit, but open the longest - I would keep) Best Buy Best Buy Kay Jared Orch 1 Orch 1 Orch 3 (my highest limit - and open pretty long - I would keep) VS Pacific Sunwear Lane Bryant Avenue BAC (DH would keep) Hooters (DH highest limit) So, if we keep 2 each, and close the other 11... do you think our score would be okay, say 9-12 months from now? If we have no other debt (other than small SLs) and our car... and carry no debt on the cards, it shouldn't matter how many we have open right? We would only need more TLs to show available balance, but since we don't carry on the cards, it's a moot point, right? I don't like the AFs or how some are being billed now... and I don't want to have so many cards that I forget one and mess everything all up. Thoughts? Should I close all but 2 each, or not?! Reminder: Goal is to buy a house in 9-12 month time frame. Thanks!

That was pretty much the extent of the notice; very short & sweet. Or should I say "sour?" This is a toy card, $500 CL - have had for 5 years... no CLI ever. I cannot believe they are going to do this... Grrrr.

Got a letter for my Cap 1 Card... ------------------------------------------------------------------------------------------------------------------ Important Changes to Your Account Terms - Minimum Payment Calculation Take effect July 30 If statement balance is below $15 or less, pay the balance. If your statement balance is above, pay the $15 or the total of 1% of the new balance, plus interest, plus any new late fees, plus an amount equal to a full year of membership fees divided by 12. ------------------------------------------------------------------------------------------------------------------- Does that mean our annual fee will now be billed monthly? Am I reading that right?

No zip code. Just member card, debit card, pin. then says declined. i didn't have a chance to call today, but I will tomorrow. thanks for your thoughts, though!

Well, for gas, Costco only auths $1. But if it weren't the case for this USAA card, I have plenty of money in the account. It's sooo weird.

This is the second time my card has been declined when trying to get gas at Costco. I use the card all of the time, with and without the PIN. It works fine, except at Costco gas stations. I will call them, but wanted to see if any of you have the same issue.

Does Best Buy Reward Zone MC even have an online Luv button?

Beli, the pic from above was from MyFico. They are the same on the USAA daily puller one. So, get paper copies still... I will search for examples of the 623 letter, but just so I know now, who do I send it to? The CRA? Thank you so much for your response!! I want to to cry. We were going to apply for our mortgage in June, but this is haunting us, and won't get approved with that recent 120 day late.

I am TIRED of dealing with this - and I need some aggressive next steps please. I will try ANY idea you have (short of breaking the law, ) We had an OLD ALLTEL bill from 2004. As you know Verizon bought out Alltel. We got a bill 11.2009 saying we owed $550+. I have a thread about it somewhere around here. They sent me a settlement letter (a CA)... I paid it... $161 dollars. They are showing on the reports as a zero balance now. But, they aren't showing as a Collection account, rather is says Credit Account. It shows OK for months leading up to when the account was sent to as as collections (mind you, we stopped paying Alltel in 2004, how would Verizon report is as OK after that?). Then it shows two months of repo/charge off. Then two months OK (when I paid it). Then I disputed the fact that it was still showing open...and not showing as PAID, just as a ZERO balance. Now for March is is showing as repo/charge off again!! I am losing my patience with this. It is hurting us - and it's not fair. How do I handle this? Who do I write? I have another dispute in writing to TU and EQ... but that only went out 2 weeks ago, so I don't have the results yet. ANY info you can provide would be greatly appreciated. The whole thing is just wrong. Thanks in advance, Jaime

I have 2 medical collections which are now paid, and when I pull my USAA daily puller they are finally showing as paid - zero balance. When I pull my TU and EQ on MyFico - they are showing as UNPAID on EQ but paid on TU. I am getting so frustrated. Any ideas why MyFico is behind?!

Only other debt is van $626 and SLs $210 (actually these are deferred until May 2012). Right now, I have over 2K a month going into savings, and we pay everything else just fine (electric, food, daycare, short term savings, ins, etc).

So we make 105K... I don't want to pay more than $1800 total a month. Does $270K seem right?!

and I say this because I watch way too much My First Place and House Hunters... I just posed a question to my LO at BofA... regarding how much we could be qualified for. My LO is saying that they don’t tell us that anymore; rather, we tell them how much we want to spend and then they approve or decline us. Does that sound right? He seemed to think other lenders are doing the same thing. I have no idea how much we could qualify for, just what I would feel comfortable with... and who knows if I am on target. I would hate to get a decline for something that silly. Any ideas?