jelly450

I was buying new furniture and really like the collections from Pottery Barn, RH, Ballard, WS. I buy in bulk from BJ's. Seems like the best action is to keep what I have and not apply for any more Comenity cards. The same goes for Synchrony.

Hello, I have been slowly building my portfolio and love the information that I have found on this board. I have several Comenity Cards and have finally started to receive decent bank card offers. I have just got BOA Platinum Plus with 10K limit and Capital One Venture 1 with a 10K limit. I thought I could change my Comenity Williams Sonoma Visa to just the store card. I am concerned about being overexposed with them. I have a zero balance on the visa. My Comenity Cards Williams Sonoma Visa 2800 limit bal 0 Restoration Hardware 7K bal 0 PotteryBard 7k bal 0 Ballard Design 4500 bal 0 PierOne 2500 bal 0 BJ Mastercard 3800 bal 0

Walmart 1200 -> 4000 TJMaxx 3000 -> 4000 Lowes 500 -> 6000

OK, so won't apply for a PLOC but will try an email request for CLI. What's the best approach for the email? Do I thank them for the trade-line then ask if they can match my highest line (Discover at 6800.00)?

I finally decided to join PenFed; unfortunately, I did not do enough research and joined with dirty reports. I got approved for savings, checking and overdraft then thought since they already did an HP why not try for a rewards card. I got a message about Risk-based pricing notice. My score was 688. I just checked it looks like I was approved but for only 2500.00. Should I ask for a CLI or apply for a PLOC?

My house sale date was 1-25-11, today the HR department received a letter from Adfitech requesting salary verifications from 2006, they included copies of my pay stubs. Paperwork stated something about Fannie Mae and Freddie Mac. What is this really about? I went to their website but......

I would talk to another attorney. The whole point of a chap 13 is let you hold onto your assets. If the balance on the 1st is more than the value of the house then the 2nd would be stripped. You need to meet with at least three other attorney.

I have a question, what is more important to you? Your credit rating or your home? If you are in need, you really have to get over this credit rating thing. Who cares? increasing our debt is what got us (Americans) into this problem. I have been paying down and off my credit cards for months now. I pay cash or save up. I use lay away and make payments. I feel so much better. If a loan mod will allow you to stay in your home, then the last thing you should be concerned about is your credit. Get over it, and stop doing things that are in your best interest.

I was only suggesting bankruptcy because you said you mentioned walking away from the house. Keep in mind that Florida is a deficiency state so they can sue you to recover losses.