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TY Credit-boards for the Discount! Promo Code: ANN2012FSTUEX20 WAS: $19.95 NOW $15.96 Code worked 5 min ago.

Just to clear the waters a bit... As of a few Min Ago, For the One Shot FICO Score and Report: Dead Codes- SURVEY30 26UNTIL2010 NOVEMBER26 FICOYES Working Codes - SW94608 (10.95 for EQ Only) CPPSAVINGS (12.76 for TU & EQ ea)

I have both. I like them both. Both allow daily pulls. They are pretty much identical, one nice feature of CCT is that you can calculate your total "visible" credit limits. My reasons to have both involve choppage and bumpage. BobWang - Any luck on EX w/C & B?

Does anyone use AMES Credit secure? How do you like it? It allows daily pulls correct? How does it differ from CCT besides being 11.99 vs 9.99 for CCT? Is there really any point in having 2 daily pulls? Yes/No? Thanks Paul

Are you a member of a local REI Club? http://www.nationalreia.com Maybe a REI club has a list of proffered vendors you could check out who specialize in investor financing. I am told that most no-doc loans are on hiatus, but hard money financed into a bank portfolio loan on the back end can still be done with relative ease. Hope that helps. Paul

Did the seller disclose any of the issues to you before you did your feasibility? I don't know the law in NJ, but in TX (where I have a RE license), assuming the seller occupied the property, they have to disclose everything they know about the property. By law in TX, the seller now has to disclose those issues as material facts to any future buyers as well since you provided them with evidence of defects. Anyways, it sounds like you have made the right decision in moving on. Fact is you will probably find another house yu like more, at a better price and terms, and close on it before this seller finds another buyer. Good Luck! Paul

I am looking to get a couple investment properties during this opportune time in the market. Does anyone know of a HM --> Permanent financing option available in TX. The idea is to: Buy House with Hard Money >> Rehab with my credit & cash >> a couple months later Refi into permanent financing paying off HM and repaying me. I am not looking to pull additional money out of the deal, just get back the HM & my cash investment. Anyone have any ideas? How long of seasoning is there? Thanks Paul

Good point.. My favorite is a Dr Office that wants it... The people behind the desk look so confused when I ask them those questions... If they insist, I just tell them, my SSN is "3". When they ask about 1 & 2 I tell them thats mom and dad. They don't seem to think its as funny as I do thou... When they say its required for "proper treatment" I never get a good answer to how treatment would be different for someone with a low SSN number (Usually Given in NE USA) as opposed to a high SSN Number (CA, HI, AK, Philippines). It was only a matter of time before someone smarter than me figured all this out. The numbers are not that random... https://www.ssa.gov/employer/ssnweb.htm https://www.ssa.gov/employer/stateweb.htm https://www.ssa.gov/ny/exploring-sscard.htm

Probably the best deals in town. MODS: No, I am not an affiliate. Check the links for yourselves. Both worked for me... $9.28 for EQ and $11.42 to TU

onestudentloan.com seems to be dead... Any other reputable SL Consolidation Companies? -Paul

I am going to be starting to purchase a few foreclosures here in a bit and am looking at getting financing.... I am looking to structure the deals with low DP as opposed to the 20% many banks out there do. Also I am looking for virtually 100% financing including rehab.... Most banks or brokers don't have programs for "outside the box deals" Does anyone know of any programs out there in the DFW area for a deal like this? Personal Details: FICO: 750+ Cash Reserves/IRA/401k: 10k/40k/50k W2 income: 70k+ Realtor income: 10k Rental Income: $200 pcf/mo Typical Deal: PP: 60,000 rehab: 10,000 ARV: 100K DP: 3% of PP (my commission since i am a Realtor) Rents: 850-1000/mo What kind of rates can I expect? Anyone have any experience with lenders in DFW using these types of deals and financing? PM or Post here... Thanks- Paul

if you dont have a plan for your money, others will... Its a sad lesson many on CB have learned all too harshly... myself included... dont beat yourself up, your parents probably told you everything they know... Sad thing is that the number one personal finance educator is the School of hard knocks... It sounds like you have allot of really good skills, your school should have a career center that can help you out... 120 WPM, wow... a call center would love you... I know internships are important but if you have to pay bills, future employers would understand... Also, it may be your tactic when trying to rent a place... When you apply for a place to rent... Are you straight up with them about your credit past? Explain your situation? Explain how things are different now? Offer a plan on how things will continue to improve? Offer increased security deposits? Personally I know as a landlord, that finding out of the blue that the nice person you just met and took an application from, actually has bad debt that they never mentioned is a red flag for landlords... Furthermore, when I had a sub 500 credit score, if I was honest and explained what happened to landlords things seemed to go better when i would try to rent. It did not work, but it worked 3 out of 10 places I applied over a few years... The landlord will find out if they run a check, and its better if they find out from you... Hang in there... its gonna get better... Paul

TY for the 411... George, if you told me the sun would rise in the north and set in the east... i would probably believe you... Virtually the same TL is actually reported 2x on the CR. TL 1 was closed by the Credit union, and issued my parents (and me in tow) a new card and trade lines when they went from offering VISA to MC. i dont know why Boeing did this a few years back, but hey its cool with me since after that AMEX saw the 25k limit and offered to match it from $10k... So when someone looks at my CR they see 2 different account numbers (starting with 4xxx vs 5xxx). They see both TLs open since 1988 and in excellent standing. My parents usually never carry a balance but will travel, and then cut a check when they get home so the TLs show that they are used.. Also on EQ both accounts show OPEN, but on TU & EX shows TL 1 closed by consumer. I shall just work on B* to boost my FICO and try to cycle through my cards more often to help boost the score since because of CB & CB'ers all my neg items age gone... TY Ever so Much Paul

I have am an AU on my parents CC. EQ Shows high balance of $24k which should be the CL. Actual High on the card was around $12k. If I dispute this with EQ is this like any other account or is there a higher chance that EQ will drop the trade line? I have a friend with a similar situation and EQ just dropped the TL... Was it just a fluke the trade line dropped or SOP by EQ?? Thanks- Paul