GoUpScore

Two questions: 1. How soon after a purchase can one refianace to get out of PMI? 2. How much equity would be needed for the refi to get rid of the PMI? I got a great deal on the house. The appraised value should be around $450k and the loan amount is around $387k, so 20% equity would need to bring the loan balance down to around $360k. Any input would be appreciated. Thanks in advance!

About 2 yrs ago, I consolidated some Nelnet student loans. Nelnet is continuing to show a balance on all of their accounts on NSLDS. I contacted them back in June and asked that these balances be corrected. They've send me a notice saying their working on my request about 30 days after I contacted them, but I don't understand what's so difficult about updating invalid information. If I log into Nelnet, it's clear that my balances are all ZERO, yet they're refusing or unable to update NSLDS. Any advice to get this resolved would be appreciated as it's rather discouraging to check the database and see a balance that's double the actual amount.

That's awesome! Hope to be saying the same thing soon!

NFCU cash rewards 10k -> 11.5k (asked for $25k)

Same thing going on here.. I go with the mantra, "can't hurt to ask!" (As long as there's no risk of a hard inq, but I've frozen all reports but TU, so all set there)

I just got an automated approval for SallieMae with a 656 TU. Limit is only $350 and denied CLI on recon, but I know the reasons why and it was because of two issues that'll be off my CR by the end of the year, so I'm going to ask for a CLI again once those 2 baddies are gone.

This is great news! I had 2 short sales in 2008 and I'm very much looking forward to them dropping off & hoping for big score bumps. This gives me hope!

I'm no good at gardening and TU is cleaning right up, so I wanted to know my TU score. I'm too impatient to wait for my Discover Statement or the WM update, so I app'd for the Barclays Sallie Mae card, since god knows I can use any help I can get with paying down SL's. I fully expected a denial, but would get my TU score. Nope! Approved, but $350 limit. Nonsense. Anyone have any experience with calling in for a CLI right after approval?

Interesting! I have a NY&Co acct from 1991 that's sitting on my report as closed (never neg; closed due to non-use)-- EX & TU only. I don't *need* anymore store cards, but might be worth app'ing for to hold onto the AAOA. Same with Eddie Bauer... Hmm. Something to consider here!

I know what the bill is for.. It's from an elective surgery in Nov 2013 that was mostly covered by insurance. I thought I'd paid all of the bills, but seems I'd missed one. I have the original bill & the EOB. it was only assigned to the CA in April, so I'm certain that it hasn't been reassigned or sold yet. I check my reports everyday, so I don't rely on alerts to let me know what's new. So it looks like the CA tried to contact me for awhile & I ignored them assuming some old debt... And them they finally inserted this on my CR this month. Just when I'm getting close to a clean CR, I can't have a new CA! Thanks for your reply, WhyChat -- that's exactly what I needed to know. Very much appreciated!

So.... right when I think that I am on track for a clean report, a medical collection pops up. I probably should not have taken these steps, but here is what I did so far... first, I called the OC, to see if they would be willing to pull the account back from collections and I would PIF. The supervisor, said, "no, it's been with the CA for too long, so I can't do that." BLAH. Account was transferred in April, first appearance on CR July. OC says talk to the CA as they are usually pretty good about this.. yea, OK... Call the CA... they said they won't delete without instruction from the OC, however they would be happy to accept payment and update the account as PAID. UM NO THANK YOU! I'm not stupid, but thanks for the offer as we all know that a paid collection is no better than an unpaid collection on a CR and I lose my leverage by foolishly paying them without anything in return. GREAT. Just thought it would be worth the call to see if I could get this taken care of quickly & easily since it JUST appeared. So.. now I am looking to start the WhyChat process, but I just want this entry off quickly... so I was wondering if I could skip to the letter that pays the OC? Or do I need to go through the CRA dispute and DV process first? I know, I know... follow the process, but if I could simply send the letter with the funds to PIF and get this off ASAP, that would really make my day. Thoughts? WhyChat? Any advice would be most appreciated!! Thanks in advance!! **LOL Typo on my post title -- I'm really not an inpatient, but rather IMPATIENT!** kind of appropriate for this forum though.

Thanks for the advice! I'm in New Hampshire and CA's are not required to be licensed here. I will be sending out my ITS first thing tomorrow along with the CFPB complaints against both the CRA & the CA. I have another issue to send to the NH atty gen, so I might as well enter this complaint there as well.

I bought a used boat on Craigslist two weeks ago ... Got a great deal on if and can def sell it and recoup the money spent if needed. Lots of people buy boats & don't use them as much as they'd planned, so I'd def look around for alternatives over brand new. My boat is 15 yrs old and still has plenty of fun left in it and I'm easily overlooking the "flaws" that come with used over new (I'm usually a new or NOTHING kinda girl). My recommendation is to buy a boat that you can afford to pay for with cash as there are plenty of other expenses that come with boat ownership. So far, i'm spending $100+/week on gas & that's only weekend use. Add in a boat pmt on top of that. No thanks! But summer is short here in New England, so I'm going to enjoy it while I can & the family memories are priceless.

Yay for an approval. With $700 there, I bet you could get some other retail cards. I've used my Fingerhut account once & I'm prob at risk for closure. As you prob know, the prices are terrible & the shipping is even worse.

Mine never change on USAA & they're worse than my real scores. I finally broke down & paid for a real FICO yesterday from EQ. I get TU from Walmart, Discover. I think Cap1 is TU as well? And I don't care one bit about EX. Worse CRA of the bunch.