byronm

FYI, if you had owned a upromise card years ago and had any issues or closed it out, there is a good chance they're using the history of the account prior to their ownership to make a decision before they pull credit. I called and did a recon and the super nice dude said they showed i closed/charged off the account and I said I did a BT when BofA purchased it since I didn't like doing business with Bank of America and once i clarified the account type, he said "may i run your credit to do a recon" and sure enough, everything went through and i got the Barclay's Arrival after denial/10 day notification. (default denial without running credit) Was just surprised they were using the BofA history for online apps without doing a credit pull and calling for recon got them to do a full app after clarifying the status. - I wasn't applying for a upromise card anyway, i just link 'em to upromise to get similar benefit. probably obvious to some of you, but for others it may explain why your app didn't go through if Chase or BofA had anything tagged on your account or closed by consumer..

honestly, it wasn't that much in the grand scheme of things.. I'm surprised capital one pushed the case for 5 years.. I'm hoping the judge will agree with my writ of error that so many things were wrong. It's pretty much guaranteed the plaintiff law firm did everything they could to enforce a default rather than answer the claims. Cap1 never sent me to collections, never replied to emails, calls, letters and certified mail. They just sued me..

So nearly 8 years ago I ran into issues with Cap1, Disputes/problems/billing/everything. It was a disaster of all disasters. So 5 years ago, they decided to sue me. It took 5 years, but in their constant trying and re-scheduling they got loophole win by getting a summary judgment because I wasn't notified of my 5th or so appearance. (yeah, it took 4 appearances to get the judge to understand my calling out the contract, SOL, disputes and trying to get it to arbitration.. amongst many other issues) Long story short, I petitioned the courts, capital 1 and their law firm to take the case the arbitration and remove it from courts. That was ignored and they played holiday shopping to win their default. Today I went to court, having been notified of the judgement only 8 months after it was entered and 7 months after i could appeal it. (it didn't show up online either..) and I brought in a "Petition of Writ of Error". At first, the county clerk said she has to apologize but the lower justice courts don't do "Writ of Errors" and I told her that the case was tried according to the texas rules of civil procedure (the rules the judge told me i had to follow) and it says my only left course of action in the state of texas is a writ of error and she said "hold a moment, let me go talk to the judge, I don't know if what I'm going to tell you is legal advice" She disappeared and a lawyer in the same room said "These courts can be difficult, lack of appeal and such, you may have to word it as "en neveaux " (no idea how its spelled) or something like that, basically he said request a "do - over".. so i got a bit nervous as i waited. Clerk came back, said judge will see me.. Waited a while longer.. Clerk comes in and says "We have accepted your writ of error and the judge will notify you via mail of her finding" So here I am.. The painful waiting game. Basically I called out 4 things in my writ of error asking for vacation of judgment. I found case law that supported my non presence and how i was supposed to be notified to appear again. In many states there is case law that shows if you weren't notified of the next hearing and you contend you wish to continue the case and it won't impact the findings thereof, it is a valid reason to re-open/re-try or vacate the judgment. So i listed that case law, stated how / when i was notified of the first 4 hearings and that i wasn't notified of the 5th and even though i was notified the judge was making the statement to accept my petition for arbitration.. I also stated how the case shouldn't have stayed in court at that the plaintiff ignored the very conditions of the contract that they were seeking relief from. (arbitration clause and that I invoked it in court, directly to cap1 and to their law firm) I closed up the writ with a reference to due process to support the above options and that sustaining the judgment without due process would be an issue of proportionality that upholding such a judgement would be a combined 17 years of harm and duress, equating to excessive punishment. Sort of left field based on other claims, but it wanted to support my argument of SOL's, holiday shopping and how crappy they have treated me to show that such delays and tactics have caused harm and were ultimately not my fault but a tactic used to get a win regardless of me having spent 5 years defending myself. Knowing that I may be one of the first to do this in my jurisdiction, if not for anything i'm happy that I've never given up and that I kept up the fight. My chances of getting the judge to vacate may still be slim, but it will open up the door to potentially moving the case to breach of contract and having them pay their own judgment off.. I have all of my documentation, references to law, references to the cap1 agreement, letters from the court and copies of returned letters from cap1 and the law firm basically denying my arbitration by "returning to sender".. and i guess all of this evidence got me a better answer than what she had to give with the plaintiff in the courtroom too. so i hope to come back with news...

Discover all the way! They have great customer support, easy to use website and they have never messed up and have been very helpful.

Discover is the only card I bother to carry If you don't login to balance your accounts or see your statements at least once a quarter, something isn't right.

Discover has been the best card i've ever owned. I honestly wouldn't even bother with chase if you're not out to maximize rewards.. The hassle of dealing with Chase isn't worth it. 10 years on with my discover the rate has only improved and the credit limits have only gone up and they have people who can help if you call whose job isn't to set you up for failure.

What is the best/most affordable place to pull all 3 reports to get an idea of mortgage scoring? I have my experian fico, just use fico or is there another place that does it? better price?

i guess its just a good thing the reports are clean score wise finally

I had been planning on buying a house mid 2016, but living in the areas i do with our explosive market and the problem of investors paying cash for houses more than what normal people can get mortgages for (without dumping more of your own cash on top) I came across a friend pulling a house off the rental market and looking to sell - and they're looking to close in late this year.. So with that said, I have never borrowed from my 401k/IRA for the 10k available and i have loan options available in there. My DTI is super low and my credit report is as clean as a whistle now that i've gotten rid of my baddies.. lowest score is 740... but i spend like a mofo if you just look at my reports.. What I am concerned with though is sort of going from 0 to 100, i'm paid very well, i "PIF" all my credit cards but i burn through a lot of cash and I build up reserves quickly if i need to.. Normally i do lots of travel and expenses through work going to events/trade shows and hosting meetups at the office so my spend is high.. is any of this stuff i should worry about or will lenders simply understand this? i get fully re-imbursed but it shows up as lots of deposits.. another thing, I had a short sell 4 years ago, worked out the kinks with that and it shows paid in full now - if my credit report shows paid in full for my mortgage, do i even have to say it was a short sale or "don't ask don't tell" type of thing? I guess long story short, i'll have 8500 in cash saved up, 0 in carried over credit card utilization (its PIF every month but can show balances...) and 10k cash available from IRA for first time home buyer and any loans i need from 401k.. will banks flinch at pulling money in like this or should i work on building the cash reserves more? Reading some stories i'm not sure if leaning on 401k is damaging or not.. I just so happen to have such a good potential buyout price and cost savings that jumping on this house NOW will save me tons.. will lender/bank understand that? Mortgage + Insurance + PMI will be even cheaper than what i pay in rent! I see some people looking at floating some balances vs pay in full to say cash is king.. but if i have reserves, do i need to do that? I also have 300 shares of stock maturing late october that can be sold in 24 hours - which i've always planned on doing, as long as i exlain that to lenders, i'm not creating any more work for me am i? Seems when i bought a house 9 years ago no one even cared where anything came from.. so strange i'm worried about it today. Also, lastly.. if i want to close in november or december, when should i kick off the loan process? now or a little closer to october?

I love discover card, they're the only ones who didn't rate jack me when ratejacks happened en masse a few years back. No high CL's, but I don't need high CL's as i'm not fishing for that. They answer their phones, they're helpful and while they may not be the most liberal with credit lines, they offer some of the best service I have ever experienced with a card company.

I short sold my primary residence and attached HELOC and it shows up as "Settled for Less than full balance".. but also, I was with Bank of America and they wouldn't short until I was late so I had 30,60,90 day lates show up. Credit went from ~700 to 525 and everyone but Discover Card rate jacked me or closed my accounts.

Did a texas finance code 392.02 DV letter to MCM and they sent back a canned response asking me for documentation to validate or invalidate the debt. Anyone else get something similar? They stated they have updated the item to "disputed" even though my request was to delete the item.. is "disputed" just something generic thing they do through the ~30 day period? Do I even have to reply to this silly letter? "As part of our investigation of your dispute, it would be helpful to have a copy of any documentation you may have that supports your dispute. In the interim, we have requested that the three major consumer credit reporting agencies change the status of this account to disputed."