Steve_

Just wondering if anyone has any experience with this. Looking at applying for an AmEx card issued in euros. I settled with amex a few years ago, pretty sure I'm on the blacklist. I've since moved abroad. Do you know if they'll deny me? They won't pull my US credit report, they won't get my social either. But my name and date of birth would surely be enough to identify me in the blacklist, if they do check it.

Find a naca.net attorney who specializes in FCRA. Sounds like there might be some violations somewhere in there.

circa 2003/2004. I think I'm good without it, it'd be nice to have though. I'm pretty sure that all the MBNA agreements had choice-of-law in Delaware. The JDB doesn't have it either, so I think I should be fine.

Argh! I've seen it a hundred times in my files and now I need it and can't find it. Does anyone have a copy of the MBNA Gold Option agreement? I know the loans were popular, so maybe someone has a copy or knows of one on the web. I need to know what it says for which state laws apply. I'm pretty sure I know what it is, but want to see the language.

Finally got the IRS letter -- they said I didn't attach form 5405. I have the PDF I printed and mailed them: 5405 included. Called. The rep said "We lose paperwork all the time." So I resubmitted it all including HUD-1....so, another 16 weeks.

5 minutes? I haven't spent less than an hour lately.

Closed on Nov 4th, submitted my 1040X + 5405 the next day. Called last week and they told me it was declined (but they can't tell me why). So I've been waiting for them to send me the reason. I didn't submit my HUD-1 (when I called the first time, they said I didn't need to!) so maybe that's it. My little bro' sent it a week after me, and I helped him fill it out. His is processed and he's just waiting to get the check (IRS said 2 weeks). And I would just do it with my 2009 taxes but you can't e-file that either. So by the time I get it, it'll be the summer. Effing ridiculous.

I mailed mine out of Nov 5th, and they're saying they don't see it in the system yet. They should at least be able to confirm they received it by now, right?

Not meant to be political, but thought you guys might like this http://www.loansandcredit.com/calculation-...s-credit-score/

Those scores would be fine for a VA loan I would think. Your DTI seems pretty low, good thing. Incidentally, you might want to check out Navy Federal...no PMI if you have 5% down, and I think they wave even that if you're active duty. And you don't need to be Navy, any branch works.

This one kind of looks like AmEx Centurion card. http://www.cardpartner.com/app/beta-chi

Are there lenders who might consider going lower than 620 on a VA Loan? My EQ is 600 and my TU is 616. Can't get EX but it doesn't have the baddie that is making EQ 600, so I think it's probably around 616 as well. Mortgage broker is going to pull first week of September, and I've used all the cash I can come up with to pay down my util, but I don't know if it will be enough. I decreased util from about 92% to 85%. DTI is fine/low, it's 23% I think and VA allows up to 41% I believe. I can keep lowering my util, I've been working on it slowly, but I was hoping to be able to close on a house by Oct 31st when my lease expires. I do have 2, 2-year old charge-offs, one for $600 (I can settle this easily with capone if required) and BOA for $6K. I'm pretty sure I'll have to deal with the $6K to get approved, but the broker said not to touch it yet -- having the account update will drop my scores. Basically, if I'm over 620 in September, then we'll settle the BOA account at the closing table (and I've reserved some cash to handle that). But if I'm still shy of 620...let's say I'm still at 616, any lenders who might do a VA loan w/ those scores?

It's almost as classy at CreditOne's BLACK CARD! Seriously, the card is black, we get it. They don't need to tell us in 18pt font.

If this is true...this puts Oasis back on the table for me.