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    • I see a fantastic way to finance a new computer on Amazon for a ridiculously low rate, but I am worried that Affirm would make my credit profile look bad. I have scores around 760 on all 3 major bureaus. I have 3 cards, Cap One Quicksilver $4800 (Rebuilder, started at $500), Navy Federal Cash Rewards $25,000, and Navy Federal More Rewards $25,000.  I also have a new mortgage $144,000 from a few months ago plus $7900 in Student Loans. I just don't want to hurt my credit long term trying to get a great short term deal.  Thank you for your insight!
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    • A while back a few people were spouting the drivel that even though they were not Premier customers that HSBC informed them they were keeping their non-Premier credit cards.
       
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      Sent from my iPad using Tapatalk
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    • I have a Continental Finance card that I have had since January 2021 when I started my credit rebuilding journey.  I started with a $400 limit and it is now $1300.  I am contemplating closing it since it is no longer used and has an annual fee and a monthly fee.  Plus I have moved onto better no fee cards since.  It makes sense (to me anyway) to close it so Im not paying money on a card not used but how bad is this going to hurt my credit by shortening my credit history?  Utilization isn't a worry just the credit history.  Thanks!
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    • My spouse has a 14k charge off from a CC with a DOFD on 12/2016. This debt was sold. 
       
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  • Posts

    • My bad, u want to lock not freeze. Ur right that’s a different story.
    • In case u missed it: https://www.transunion.com/credit-freeze      
    • The front desk at most hotels sucks. Given some of the properties I stay at, I always walk in with zero positive expectations.   I hope your relative is okay.
    • This Saturday morning, I applied for a $1000 loan from some site that I believe we could call subprime. I was just denied payments on a new phone device from my service provider in their application last night. I filled out the app and.. IF I sign it, I have not yet signed..   $200 loan to be Monday morning and I will have to pay back a grand total of $534.99 - in interest.   I'll post some of the information below but the part of me I'm thinking that I should take this just for the sole purpose of building up my credit report to show positive installments because I can afford to make the payments that they're talking about.   I have never encountered a loan that was issued by a financial institution in Canada and as far as I know all of this is in US dollars.   Here is some more of the info.   Would you sign and therefore accept the loan, or would you not sign and leave it be?   Your payment schedule will be:   Number Date Amount Due 1 10/07/2022 $30.62 2 10/14/2022 $30.62 3 10/21/2022 $30.62 4 10/28/2022 $30.62 5 11/04/2022 $30.62 6 11/10/2022 $30.62 7 11/18/2022 $30.62 8 11/25/2022 $30.62 9 12/02/2022 $30.62 10 12/09/2022 $30.62 11 12/16/2022 $30.62 12 12/23/2022 $30.62 13 12/30/2022 $30.62 14 01/06/2023 $30.62 15 01/13/2023 $30.62 16 01/20/2023 $30.62 17 01/27/2023 $30.62 18 02/03/2023 $30.62 19 02/10/2023 $30.62 20 02/17/2023 $30.62 21 02/24/2023 $30.62 22 03/03/2023 $30.62 23 03/10/2023 $30.62 24 03/17/2023 $30.03 Total Payments: $734.29   Green Funds Group DBA GFX, 12 Simon Road, Kanesatake, QC, J0N-1E0   LENDER INFORMATION BORROWER INFORMATION Green Funds Group DBA GFX 12 Simon Road, Kanesatake, QC, J0N-1E0 Customer Service: 1-833-381-1202 Email: clientservices@greenfundsexpress.com Website: www.GreenFundsExpress.com  
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