mamabear

In OP's defense, the search can be a tricky process, esp for a newbie and you did come off a little smarta$$ish... Lets all be friends here people kay! As for a secured card, the easiest I think is Orchard, you can do it all online even funding and its pretty easy to get.

I didn't read through the entire thread, just the first page or so but thought I'd share my input. My grandparents are alot like your parents, not in the aspect of never using credit but in the aspect of its more important to pay off your Visa than buy gas to get to work. To me thats obsurd, if youi cant get to work how can you pay more bills... but my grandma will never see it that way. As far as creditors go, They were ALWAYS calling my husbands parents telling them personal info etc. I guess the law means nothing to them. I know what you mean about feeling lost, I've been there and its so hard to get out of there. I am in a Ch 13 BK, more student loan debt that I can handle and not even finished with my education, and have to live with my grandma to be able to pay all my bills and not have to chose between food for my kids or the electric bill. I have a good job, so does my husband, we arent doctors but for our age class we do ok, but student loans alone ruined our lives. You can PM me your email if you want to talk more about everything and I hope it gets better soon, though I doubt it will with the debt. I'm 3 years of stress and drama.

With Macy's I was able to add the AU online. I dont see that option on Bloomies site. Hmmm... guess I could call. How about increases? How do you get a good one, especially with Macys?

Yeah, has me a little worried. Have used TurboTax with direct deposit for the last 5 years, same bank account. Filed as head of household, one dependent child. I used Turbo Tax too and I have been told conflicting information about this. I've been told that it will be a paper check (it said that on TT websote) because they went through SBBT to process the deposits, but their customer service said it would be direct deposit. SBBT said they really have no idea how it will be paid. Its a major PITA for me because I'm in the process of moving, expected DD, they dont fwd the checks and it takes 4-6 weeks to process address changes. DH and I are 12 and 06 and so far nothing. We shall see

I'm an AU on my DH's Macys and he is on mine... will those report seprately? I also have Bloomies, can you add AU with them as easy as you can with Macy's? Thanks

She works too. She owns her own business. My gran is a never quit kinda gal, sad but true. My grandpa is on disability, and my gran gets Social Security and works in her beauty shop, she also does hair at some nursing homes a few days a week. Part of why I want to live closer is so she can quit over doing it, I can pay her to babysit my kids which she loves doing anyway and we both win. I own property valued at about 15-20k which is next door to her, its free and clear. I plan to stay with her for a few months and save my paychecks for whatever down payment I need or pay off some of her debt whichever is more likely to get us approved.

I'm 2 years into a chapter 13. I have a year before discharge. The only negative is collection agency musical chairs where they keep moving my debt to new ones and I dispute, win then bam its there with a new ca a month or 2 later. Very discouraging. As for my gran, she doesnt need to buy anything really, she has the credit cards with the limits there if she needs them. And on the 50% is that before or after the new mortgage?

I have a BK and other credit issues so my scores are crap! My grandma however has good credit, never paid late in her life, her only prob is her debt ratio is a little high. If she were to ge a loan for me (second I was told a few different things.. one said It has to be 50% BEFORE the additional mortgage another said 50% AFTER the additional mortgage. When she applied for the loan her denial was because with the additional it put her at 95%. I looked at her report and her car (which is paid off) is still showing that she owes $13k on it at $450 a month. I called the home place and they said that only took her to 93% so its still a no. I would think $450 is a pretty good payment and would make some difference but guess not in their world. Anyway, I have spent the last year cleaning up mine and dh's credit, its slow but steady the things killing us are student loans reporting derog about 3 times for each loan even tho we consolidated and pay good now, I cant get it goodwilled to only report bad once per loan. I own property, its worth about 15k i want that as my down payment and I'm looking at modular or manufactured as opposed to building since construction loans are pretty scarce. The manufactured housing company has their own finance co so thats not the issue, its knows what to do to get it approved! Based on conventional mortgage standards what would be the best course of action... Paying off my grans debt starting with her small balance cards? Paying it off working on the larger balance cards first? Or saving so I have a large downpayment and hope with land and a downpayment they might say well... we'll overlook the credit scenario. I thought about USDA Rural but they are pretty strict right and it has to be all us no gran? Gran cant help with FHA either? My income is good now, I'm much more grown up and responsible its just the bad choices of the past are killing me now!!

There needs to be laws put in place to regulate this stuff. Its like I'll never get out of this student loan hell, even though I finally got them current and on track, I have about 50 loans reporting derog on my report and its not that its that holders final status because ECMC came straight out reporting derog/charge off gave me NO chance to pay get it right at all. Its BS! I know I was young and dumb and I screwed up but at this rate if they keep selling and re-reporting I'll never be able to buy a house or anything, and from what I heard even in the rehab they dont always remove the derog stats. Now that I'm with direct and all consolidated etc, after paying so long is there any hope they will cut me some slack? If so who would I even contact? PHEAA, AES, ECMC?

OK I want to make sure I'm right here before I send out letters and what not.... I have multiple student loans, lets say 10 for a good rounded number, they all report individually. I went into default a few years ago, was told it was better to get into total default or whatever then rehab, ok so I did When I contacted PHEAA/BRAZOS <~~~ Original Servicer they said oh we dont have your loans, I said who do I call?? They gave me some number that did not help. At that time I was unaware of the data base online to find them... so the PHEAA reports derog on my credit report x10.... ok well when I finally find my loans with AES, they are already 120 late and the only way to fix it is to pay all of the past due and no i could not rehab until I did, ok well I decided to see if I could get my gran to loan me some money and such within a few weeks they sold it to a collection agency who does not report on my credit report btw, BUT AES does in addition to the PHEAA ones so now I have duplicate reporting making it look twice as bad. But thats not the end.... The collection agency setup payment arrangements with me etc I paid them and for 6 months nothing reported. Then I called them to see if they could update my status and they said oh we dont have your loans anymore tehy couldnt tell me who did. I Called AES they said oh we dont have your loans either... I was like wtf?? So I called direct loans to consolidate and get done once and for all I called them and they said that if I gave my ssn they would find all my loans and consolidate them if I knew the approx balance. So I put the last info I had, I got the letter saying they would pay off etc all looked fine and when i got my first bill 3 months later all they did was add a perkins loan and cancelled the rest because it wasnt with who they thought. So I called AES AGAIN... they said oh your loans are with ECMC, I pulled my true credit and sure enough there they are already reporting in default with no chance to even make them good. So here's my thing..... I have the same loans reporting 3 different times by 3 different servicers and they are KILLING me!!! How can I get it together if they cant even figure out where my loans are gonna be. Even on the database it says the bank is US Bank but on my credit report it says PNC bank. Can they legally do this? shouldnt they only be allowed to report each loan correctly once? Not in triplicate? And because they keep adding new ones my dates keep changing so I'll never have these off my report. If there is a place I can get info on how to deal with this please guide me there and sorry if this has been asked before, I Couldnt find it.

While this may sound like a plan remember when your credit goes to hell its all over! They don't have to settle and some won't some will sue you and get a judgment and garnish your wages. However if you make minimum payments its better than nothing and it keeps your credit in good standing. Trust me. I'm 28 and when I was about 22 mine all went to crap I went through a divorce and was still in the hole. Student loans piled in then i had kids and to this day my credit is crap. I cant buy a house, its quite embarassing and there is nothing I can do about it because whats done is done. If my student loans werent there maybe my credit would be better but after them and finally filing bk to get the creditors to leave me alone..... really its not worth it.

Is this Calvary Portfolio? I have an issue with them too and reporting some bogus bs

Lynn If OP works out payment arragements with the holder (which will stop garnishment) then apply for direct loan consolidation that will be the best fix. But OP remember.... when consolidating go to the student loan database and look up exactly where your loans are and make sure you list them all to speed up the process andmake sure all of them get included.

i've tried every address on all of my reports and I STILL cant get it to verify!!

Wait I figured it out! In options click switch to standard... ok that was my duh moment for the hour!