thankfulheart

Nice CL! Was there a way to get the card expedited with an online app? I'm getting ready to close on a house and would like to put all of my moving expenses in one place to make interim money management easier.

I'm getting ready to app for NFCU Cash Rewards. Is it better to app on the phone or online? How do I include "other income" (child support)? Is there a way to get my card expedited to me? Thanks for any tips!

Yeah, well, welcome to the world of the Grown Up. Fair or not, it's the way a great deal of the insurance industry rolls. My rates skyrocketed with USAA once they started checking credit, despite my perfect record of 25 years with them. Whatever, it is what it is, moving on. Admitting insurance fraud anywhere is likely never a good idea, either, nor is snarking at the folks you are asking for help. That said, what you are asking is very difficult to answer. I live in FL, so my homeowner insurance options are VERY limited and it took quite a bit of research on my own to find the best coverage. All you can do is call around and get some quotes, then decide what you can live with.

They will table fund, so I'm heading to Lowe's straightaway. Thanks for the advice, everyone. I was looking at USAA AMEX just for a variety; I'm not all that interested in an AMEX product, so may skip it altogether.

My scores are currently ranging from 715-726 (lender pulled). My AAOA was shot by student loan consolidation this year and is now 4.6-4.8. Most recent account was an installment loan in June (long story). No INQs since June except relating to the mortgage process (total INQ are EX-10, EQ-6, TU-7). UT is at 8%. I'm looking for Lowe's (84mos @5.99 until a 0% BT comes through, need appliances) NFCU CashRewards (I'm a member, but have been on credit-app-hold due to the mortgage) NFCU NavCheck possibly refinance my car w/ NFCU as well USAA AMEX (full member, although I don't bank with them) I was going to hit Lowe's/NFCU the day I close, then USAA a few months down the road? Good plan?

they didn't ask me for anything until I applied for overdraft on my checking. Initially I was approved for a 20K credit line for a ViSA with no documents required and when I applied for the credit overdraft they froze my online access as well as my credit card and I had to fax them my ID, paystub, and last years W-2's. Be honest what you put. So, how does one include things like child support or a buyout of a marital home in income? Would they request copies of the agreements? Cashed checks?

Mine is Select Portfolio Servicing from 2007. A series of 30-150 day lates before I was able to do a loan mod and get it back on track after life situations and a FEMA event. It's PIF as of June of this year. I've GWed the heck out of it, but there it sits. I have a letter out to the CEO right now, hoping to get some redemption. They say there is no debtor's prison, but my CRAs seem to have bars that prevent me from moving forward, so I would say I'm serving a 7 year sentence. I'm REALLY hoping that someone at SPS has a heart and will remove the tradeline altogether (that's what I'm asking for as I've already gotten the "we must report accurately" letter).

Remember, too, that they will count the full house payment for the marital home PLUS half of the taxes/insurance against your DTI plus the new house payment/taxes/insurance. I have just been through this myself, but I was able to pay off that mortgage and sign a quit claim, releasing me of any obligation. I'm going FHA and he is going to have to sign some of the mortgage paperwork as a "non-purchasing spouse" as well.

What company did you use? Sent you a PM, but we used ACCC

CREDIT COUNSELING! I am a proud "graduate" of a CC program just this last year. The reduced payments and APRs were a Godsend and we were able to dig out from under the debt. It was a long, hard road, but it worked out for us. Ours also had educational programs to learn how to manage debt to avoid getting into a problem again. None of the accounts in the program reported negatively once we were up and running with it and I am very glad we went that route rather than BK or just bailing. Yes, some are scams, but there are good companies out there that can help you get your feet back under you.

I am in the very same boat with both EX and EQ with a state tax lien (although the mistake is the date it was paid, they are reporting a date 8 months AFTER the lien was satisfied, which matters in the timing of when it will fall off). I've done a BBB complaint after I did the MOV and got the refusal to reinvestigate which netted me NOTHING, just more stonewalling by both CRAs. I'm beyond peeved that they think they don't have to actually respond to an MOV. I currently have a letter of expungement that was sent by the AGs office that they are choosing to ignore. I'm getting ready to go the ITS route and am willing to go there if I have to.

Your perception and the reality of the situation for federal student loans are 2 very different things. According to the federal gov't take your income - poverty level (see charts) then multiply that by 15% and that is what you can "afford" to pay. They don't care about the rest of your debt as it is YOUR debt and not their problem. Harsh, but true. That said, you may have to look at a forbearance for hardship. It means you are willing to pay your loans, but are experiencing a TEMPORARY financial hardship and are unable to. I think it's generally for 12 months. Interest will still accrue and it will get ugly if you let it go on too long. Understand that there are 3 certainties in life: death, taxes, and student loans. They are NOT going to go away until you pay them off under your agreed upon terms or have them forgiven after YOUR expiration date. Eventually, you are going to have to pay on them, period. Also bear in mind that if you have defaulted student loans you will not be able to qualify for a mortgage product backed by the gov't (FHA< VA< USDA) in the future until they are rehabbed and in repayment or paid off. It's sad to see people think they are all ready to app for a mortgage only to find out they can't b/c of student loan problems. Too bad they don't require everyone to sit through a REAL lesson about student loans from the get-go.

Don't think you'll be able to dispute. You need to contact the servicer and find out a way to get a consolidation/rehab to settle up with Uncle Sam. These just don't go away, they can't be bankrupted off, and you pretty much have to die to get them forgiven. Sorry. Death, taxes, and student loans. I'm betting that the recent computer nonsense kicked it back up in the system which rebooted it to your reports. And they will most certainly show up as defaulted on the CAIVRS which will boot you out of any kind of FHA, USDA, VA, etc. at all. I'm betting your interest accrual over all of this time is going to be UGLY and I agree with the surprise that you haven't been garnished yet. Make a call to the servicer and see what you can work out ASAP.

I use a binder with dividers for each CRA as well as "actively working on" creditors. When I send a letter, the copy goes in that creditor's section with the CM/RR stapled to it. Once the tradeline is modified or removed, I move the active notes back to a "completed" section. I also keep a small notebook in my bag (either purse or work bag) that I can refer to if I'm away from my binder. In that, I just have a list of what I'm working on and cross it off as it's completed. If I get a negative response, I draw an arrow through it to move it to my next list. I also track my FAKOs and FICOs in the notebook for inspiration and encouragement. I use a USB drive to save all of the copies of my letters digitally, so I can review on the go, or edit if it's time to try again. The binder, however, is the main point of organization for my paperwork, letters, reports, responses.

I started the journey September 2011, foolishly thinking my scores were above 600 and I'd be fine. I was very wrong and delved into the world of FICO vs. FAKO, GWs, HIPAA, CLIs and more. The only reliable score I have for comparison is EQ which started at 586. After opening some new credit, letting lates age off, and being mostly successful with my letter-writing campaign, my EQ in early June 2012 was 682 when I apped for a mortgage. It was my lowest score, with my highest being 715, mid at 702. I am going with FHA, 3.75% interest, file is with the underwriters as we speak. Persistence is key!