supraman

Not liking the sound of that, might have some financing to do soon and I have a new 4400 balance transfer sitting on a 10,500 limit card that will report this month. Wonder how bad it's going to hurt.

I'm usually the glass half empty kind of guy, but for those that got in during the 8k tax credit times they are still way better off than those that bought around 5+ years ago and are upside down 50k, 100k, or more. For those who were buying for a place to live long term (grow family, retire, etc), they got in at a bargain in my eyes (location depending of course).

3.9% financing for 60 months on a used vehicle. (SSFCU) 5% cash back on gas purchases (PenFed) That would be my reasons for joining a credit union.

possible split file? Do you notice any other tradelines missing as well, possible positive tradelines missing?

Add MoneyGram and 1-800-flowers.com to the list... update, I just looked at the headers of the two emails I got and guess where they originated...Epsilon servers (bfi0.com and bigfootinteractive.com), both listing the administrative/tech contact as Epsilon Data Management, LLC. Good to see neither of those two companies fired Epsilon

I called in on one of my citi accounts for a cli a few weeks ago. I probably said "don't do a hard pull" at least 10 times being paranoid. I found it odd but they asked what I wanted for a new limit, I said 10k, they came back with 8.5k. No hard pull. Not a huge jump from 7.3k but anything hard free is good.

Looked into the penfed visa, 5% on gas every day, unlike discover that does that just 2 months a year. Just became a member to penfed and app'd for the cash rewards card and was approved with a $7500 limit. I should be able to recover the 25 dollar join fee in gas rewards in a few months. Good stuff

actually my contractor just emailed me back and said the convenience check wouldn't cause fees, so n/m on this one. Thanks

Basically the title and description sum it up. Do businesses get hit with fees if you pay with a convenience check like they would if you pay directly with your credit card? Reason I ask is I am planning a decent sized home improvement project and will have to put around 6 or 7k of the project on my credit card account via convenience check. The contractor says they add in 3% to a quote for any money put on a CC, but curious if doing it via convenience check would cut out the merchant fee and therefore lower my end price. I have some 0% apr until 01/01/2012 convenience checks that I'd be using. Thanks in advance for any info

The link has been up for months on my forward card as well, this thread spurred me into calling. $1200 increase on my forward card without a hard pull. Link is up on my diamond preferred card too, but will probably leave that for another day.

zombie thread...will...not...die

About passed out when I saw this, it's going to be a good two years:

I hired Lexington Law when I first started cleaning up my finances and my credit. I hired them mostly because I was too lazy to research and learn how to do it on my own (I am self-admittedly the laziest person I know.) I think I had them for 5 or 6 months and got zero results, not one delete. Canceled them and came here. Still being incredibly lazy and doing just little amounts of work here and there, this site has helped me come a long way. Via the little amount of work I've done myself I've gone from: 5xx fico to 7xx credit fico 9.x% mortgage to 5% 14% auto loan to 3.9% $0 available revolving credit to ~20k Horrible spending habits to mostly responsible And I did it all for free, won some gratification of fixing my own mistakes, and learned some financial responsibility in the process. Fixing your credit yourself is not an all or nothing process. You can pick how deep you want to dive in. Work extra hard for quick results, be lazy like me and slowly plug away here and there for eventual results over time, or find your pace somewhere in the middle. Cleaning up bad credit is only half the battle, adding good credit is required too, and this site is incredibly valuable for that as well. I'm living proof that you can be lazy and still fix your credit on your own...for the price of a few stamps. set proper expectations for what you can do and just steadily plug away until you get where you want to be.

Of course. I think most folks feel the same. The complicating factor is the bank that won't be repaid has unclean hands as well. Were it not for their shoddy got a pulse? here's your loan underwriting, there may not have been a wave of foreclosures, and your property values may not have plummeted. When they sell the foreclosed house, they'll recoup the value that they helped to establish. Agreed...the banks reap what they sow. Nobody is a winner in this game (except for those that took the money and ran).

I like to think that the debt I sign on for, I'm morally obligated to pay, and therefore will pay it. At some point though when the identical house next door is selling for one third of what you still owe on your mortgage the temptation to walk away has to be too great for many to resist. If I were in those shoes and did not plan to be in the house for my entire life I would probably walk. It's bad to say, and doing so only helps continue the dowfall of home prices, but I can see how people make these decisions in such bleak scenarios. These homeowners are causing home prices to drop further by walking away like this, but at times I can't judge knowing I might do the same if I were in their shoes. Thank God I am not in their shoes...