Mayor McCheese

PLEASE DELETE POST...

**double post on accident**

That still doesn't really answer my questions at all. I am aware that the balances need to come down and I know that they need to come down to AT LEAST 50% of the limit of that particular tradeline. My question was simply this: Does anyone on this forum know as to what the ratios of debt balance(s) to limit(s) should be? Furthermore, do the different tradelines (revolving and installment) vary as to what those ratios should be at. For example: "Your revolving debt should be at a 45% balance to limit ratio and your installment debt should be at a 40% balance to limit ratio." I am looking for maximum/optimal credit score increase and I know that having the perfect ratio makes a huge difference in what I am attempting to accomplish. Just trying to figure out which lines should get what and how much. Thanks

Okay, I am about to pay down a lot of debt on my report and need a little bit of advice as to how much or a certain percentage of the limit(s) I should aim for. I have heard 50%, 40%, 30% Is there a certain percentage I should be at? Or for certain types of accounts? ie, Credit Cards, Student Loans, revolving, installment, etc. I am also having 3 30 day lates removed and a collection via rapid rescore because I am a mortgage broker and can do these rescores myself. Any advice is greatly appreciated. Thanks. PS. I tried searching but this subject is hard to search for. Thanks....

And theyre gonna love it when we pay the loan off in a few months too. Blah blah blah.. You guys love to bash. Its classic. Please kill this post and do me as well. Jesus. LOL

That is, if we file BK which we wont and never plan on doing. We have perfect credit and paying back student loans or our bills isnt an issue for us. It seems to me that the real fraud is when you guys take out student loans and dont repay them and then come on this board looking for ways out of the debt. That is the real hard truth. Hard times.

this isnt a scam, you toolbox LOL but nice try! Its for the Nouveau Riche University, a real estate investing college. The tuition is 16K and the books are 3500. However I cannot get a student loan and say that I am attending that university because it hasnt gotten fully approved by the ACE yet, so I have to get the loan from somewhere else. We already got a 25K loan from Wells Fargo and said that we were attending another college in the continuing education program. So I really dont need your assistance any more but thanks for jumping to the conclusion that this is a scam LOL..

My wife and I need a student loan for about 30-40K. It will go under my wifes name. We both have 750 FICO scores with perfect credit. We need the quickest, lowest hassle situation. What school do you recommend? We prefer online registration in California. What bank is the easiest and quickest to deal with? Maybe no income verification.. etc. Thanks