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  2. Not really any cards that interest me these days that fit within my goals. I started my rebuild in 2015. Went from $300 in credit lines to around $300k today. Only credit card struggles I have these days, is buying the occasional pencil to keep some of the cards active. Lol.
  3. You must have a lower standard of living than a lot of people.
  4. Question: What is a FICO Triad report?
  5. Today
  6. I'm enjoying the dearth of breathless individual threads announcing approvals for Paul's Pipes & Plungers via the SCT. Perhaps this is a sign we've all grown up. With that said, approvals will always be important milestones for people in earlier stages of credit evolution, and they're always welcome in the master thread, where they continue to be celebrated. .
  7. LOL the dude had 10 accounts with a total of $51K+ exposure... "Guess I'm officially out of the Comenity club as well." Who would want to be in a club with a bunch of losers like Comenity? lol good riddance. Good Lord, if I were a crap subprime outfit like Comenity I wouldn't want $51K+ exposure to a subprime borrower either and would shut that shite down too!
  8. Stay away from online disputes!
  9. Yup, that's a lot of fooking money to be just pissing away. Imagine what you could do with an extra $9k per year. Hell, Kat and I could go on a second honeymoon. 😍
  10. Hi there, I just did did the same thing with my home, and got approved VA for $470k as of today! Step one: get your FICO model 4 credit scores. Check what your lender pulled, or monitor it yourself with myFico (around $30/month). They have different score models used for mortgages which will help you immensely. Second, use a simulator, or ask your lender to simulate different scenarios before you start making any moves with your credit repair. Ask what your score will be if you removed a collection, pay down balances, removed late payments, etc. Each positive action will raise your score. I went from a 590 to a 636 in three months. I settled my 2 year old collection & got it deleted, all while I tackled ~$10k of credit card debt. The collection raised my credit score a lot, and reducing balances helped how much I could afford, since every $55 reduced in monthly payments resulted in about $10k in home purchase power. Hope this helps! PS: VA is zero down, but you’ll need cash for the closing costs, which can vary, but averages around $5-10k. I am purchasing a new build home which also required another $2k cash deposit to even start anything. Btw, I had my VA funding fee waived since I’m a disabled vet. If you have a rating, check e-benefits to see if you qualify too.
  11. The student loan crisis was caused by bright eyed millennials who "followed their passion" in college instead of following the needs of the economy. There aren't many STEM majors complaining about student loan debt because these people are getting viable and well paying positions in their fields.
  12. I did the math one time, I found I was paying like $700-800 per month in interest. I was wow, I could lease a $60k car (I wouldn't, just hypothetically) for that amount and I'm just paying it to some bank.
  13. Yep. There's a lot of this going around now, unfortunately. Sometimes the employees who choose to make the move get screwed over twice -- within a year or so of relocating to accommodate their employer's consolidation they get laid off. For the PenFed folks, I guess it all depends on their circumstances. Employees with children should really take a hard look at the state of the schools in Texas. I found Dallas to be a great place for young professionals (without kids), whether married or single. A difficult decision to make, for sure.
  14. Jeezus, 8 years??? That idiot's gonna be paying $52K for a stupid truck! Cripes, you can get a perfectly serviceable 8-year-old F150 that a working man can earn money with for about $10-12K - half the payment and it's done in 3 years! Man, Dave Ramsey sure is right about one thing...
  15. It's been awhile since I've done any disputes but need to clean up few items. Do you folks still advice "the paper route" where you send handwritten letters to the CRAs or would you rather do it electronically now?
  16. The problem with student loans is the "education" that resulted was often not worth the cost. Student loans were all too often used as an economic cushion rather than funds used for students hungry to learn. For a few, it provided an opportunity otherwise not available. For others, it subsidized party time. When you're 20 something, the future can seem far, far away.
  17. SMH APPROVING BANK: Bethpage FCU BUREAU PULLED: Experian CREDIT SCORE: 737 SOFT PULL/HARD PULL: Hard Pull CUSTOMER STATE OF RESIDENCE: Georgia NEW/USED: New YEAR OF VEHICLE: 2019 MAKE: Ford MODEL: F150 XLT Sport 4x4 MILEAGE: 181 FINANCE/LEASE: Finance PURCHASE PRICE: 46,500 AMOUNT OF LOAN: 43,500 TERM CONTRACTED: 96 APR/LEASE RATE: 4.34 MONTHLY PAYMENT: 541 ANNUAL INCOME: 60,000 DEBT TO INCOME RATIO: 22%
  18. Even if a creditor or two chops you a bit, you'll still come out ahead. No more accumulating interest charges, and a way lower UTL that will certainly boost your FICO. You could always get another card or two afterward. You'll have a far easier time doing so at that point. I've been where you're about to walk, though, my UTL was more like 20'something %. FICO went from low 7's to very high.
  19. Good luck! Hopefully nobody will balance chase you. Your interest on those accounts must be at least $500 per month. Paying them off is a really smart move no matter what happens.
  20. PotO

    Early Warning

    I've never heard of people with bank accounts gone bad being reported to the credit bureaus, but I do not doubt what you say at all. With what you described, a checking account could be considered a credit account. Then the FCRA would seem to force EWS to provide freezes.
  21. Here is what I owe: US Bank - $4300 Capital One - $5000 Banana Republic Visa - $4400 Discover - $3100 Amex - $300 Citi - $2000 Chase - $500 FNBO CC - $13000 FNBO Credit Line - $3800 I'll update this thread in a few months to let you know what or if they drop limits on any of these cards. I have late marks with all of them except the Citi and Capital One. All of them are maxed out (except Amex, that is a closed account I'm on a repayment plan with). I appreciate the replies.
  22. Yesterday
  23. Guess I'll sock drawer it
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