Venturion

This is where I disagree. Caveat: I don't own any packers stock but thought about buying it. I think it could have a place in a long term portfolio. As I said upthread, there will be cycles when the shares have some form of liquidity. FYI I'm thinking of 25 to 100 year hold period so it would be in a portfolio context of generational wealth planning. I know many people don't plan that way.

This article does nothing to demonstrate the shares aren't valuable. The only gripe is the lack of liquidity, which can be assuaged in most boom cycles with the use of a pledge or assignment. I couldn't find any history of pricing in the prior sales - that be be useful in assessing any historical appreciation.

It's a personal credit card. I'm shooting for 15% full reporting or 25% PFD.

*bump* Maybe I can sweeten the pot for responses by specifying the balance is substantially larger than 5-digits?

Nice story DK and thanks for sharing. I can understand your motivations and desires to move into a house. I do have some concerns about proceeding with a home purchase were I in your situation, but it seems like you're determined and thoughtful about moving forward. Now, re your mortgage shopping, is this Navy FCU or some other NFCU? Does that buyers program shield you from paying PMI since you're unlikely to put 20% down? If so, that would be ideal. You can go a bit further through underwriting before you decide whether or not you need to place those competing apps. Are there any other large CUs near you? Does it make any sense to look at a big bank, perhaps where you are already a customer via a deposit account? Good luck and looks like we joined CB around the same time.

I'm on the verge of going late on a LARGE BofA personal cc balance. I'm interested in data points on recent BofA cc settlements before or after CO. My preference is to avoid CO. My top goal is a low settlement % and I'm willing to trade some $ for possible PFD or PIF reporting. I recognize the latter may not be available options before CO. Any thoughts, datapoints, questions, comments are most welcome. I added the poll in case someone wants to participate anonymously. Thanks in advance.

Troll? If not, why? Is housing really cheap in your area. You can't afford much with $48k and you have no safety net (emergency fund, etc.). What's the rush? Why was your credit trashed? Will it recover back to over 740 where you'll get the best rates?

I guess the other question is who cares? 800 doesn't practically qualify you for anything a mid to high 700 score doesn't also. I've never been denied credit, I have over 60 accounts, and my score has infrequently, as in maybe once or twice, peaked over 800.

Too bad, some of us preferred the new reporting.

Used car FTW. if you're not good at negotiating, also consider USAAs car buying service.

Up to 1.85x CL IME. At your own risk...

Sorry if this has been covered elsewhere, but I find this frustrating given that CS, TC, CK, etc. are all able to pull with security freezes in place. Why is SC the exception?

Princess Bride ftw. Back up list: Trading Places Pitch Black Tremors

This, IME. More specifically: 1. TU - consolidated account disappeared entirely 2. EX - still shows consolidated account, but not updated since Sept - thinking of disputing it away 3. EQ - now shows 2 accounts that were ultimately consolidated. Sum of two accounts is fairly close to right balance. So my guess is that the new servicer is only reporting the original loans to EQ. Same here. This is very annoying indeed. On TransUnion, it still says my Direct Loans account is $0 and closed 9/30/2011. On Equifax, it shows the DL account was closed 9/30/2011, but then I have new 9 individual loans that have appeared. They basically divided up the one big loan I had so it's broken down by semester and sub/unsub. Now each disbursement looks like an individual loan. Ugh!

I thought this thread was closed, but looks like its still open. In any event, I did settle (after several failed offer attempts) for 35%. Chase issued personal and business 1099-Cs. There are other details I'd prefer not to post so as to preserve anonymity. I'll simply add that I can apply for and receive credit without problem (except with Chase for another year or so) and I had no extra tax burden.