Jump to content

Please use the Feedback forum for questions about the upgrade.  We will get to them as quickly as possible.

 

Credit Forum

Credit Reports, Collections, Credit Cards and related discussion

Subforums

  1. Credit News

    Credit-related news and articles

    37
    posts
  2. Advanced Credit Topics

    Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards

    21,526
    posts

340,627 topics in this forum

    • 1,256 replies
    • 667,098 views
    • 1,653 replies
    • 141,684 views
    • 57 replies
    • 55,805 views
    • 2,286 replies
    • 122,902 views
  1. Welcome New Members!

    • 2,177 replies
    • 315,170 views
    • 867 replies
    • 240,431 views
  2. credit card spreadsheet

    • 514 replies
    • 201,973 views
    • 103 replies
    • 44,067 views
    • 3,674 replies
    • 823,378 views
    • 107 replies
    • 78,065 views
  3. 1-2 punch flow chart

    • 84 replies
    • 111,966 views
    • 25 replies
    • 17,825 views
    • 120 replies
    • 111,619 views
    • 84 replies
    • 48,171 views
    • 55 replies
    • 89,735 views
    • 40 replies
    • 33,116 views
    • 438 replies
    • 100,780 views
    • 150 replies
    • 49,652 views
    • 130 replies
    • 96,564 views
    • 116 replies
    • 97,454 views
  4. CB list of lawyers

    • 123 replies
    • 96,534 views
    • 106 replies
    • 148,580 views
    • 98 replies
    • 77,942 views
    • 239 replies
    • 80,917 views
    • 118 replies
    • 57,395 views
    • 61 replies
    • 54,723 views
    • 78 replies
    • 169,170 views
    • 960 replies
    • 263,564 views
    • 20 replies
    • 11,870 views
    • 81 replies
    • 67,440 views
    • 128 replies
    • 74,058 views
    • 0 replies
    • 13,536 views
    • 40 replies
    • 39,555 views
    • 51 replies
    • 76,200 views
    • 17 replies
    • 23,626 views
    • 1 reply
    • 20,708 views
    • 130 replies
    • 405,288 views
    • 92 replies
    • 85,526 views
    • 37 replies
    • 42,521 views
    • 4 replies
    • 21,280 views
  5. CB 'Hall of Fame' Threads

    • 22 replies
    • 27,036 views
    • 0 replies
    • 18,728 views
    • 5 replies
    • 40,221 views
    • 0 replies
    • 21,847 views
    • 13 replies
    • 463 views
    • 66 replies
    • 1,238 views
    • 2 replies
    • 27 views
    • 12 replies
    • 112 views
    • 2 replies
    • 23 views
    • 5 replies
    • 91 views
  • Posts

    • Thank you.  I'm not sweating it very much.  I've got a ton of inquiries right now and may hurt on some things, but right now I'm concentrating on obtaining a mortgage and was just pre-approved from my lender for a VA.  So that it first.  Then down the road when the score gets a little better I would like to get a AMEX Delta card since we fly Delta quite a bit.   Thanks again,   Joe
    • from the article:     less than 350 miles is NOT what I consider something capable of "consistently cover[ing] long distances" or that "epitomizes freedom."   Until a manufacturer comes out with something that is capable of actually doing long distance driving, then electric vehicles are simply not a viable option for those who actually depend on their vehicles...   It would be different if an electric vehicle could be charged and ready to go in the same two minutes or so that  it takes to fill a gas tank and go another 400-500 miles, but they are not even close. 
    • Congrats on your progress.     Don't sweat the old inquiries.  If you need credit to refinance something to save money, get a great rewards card, pick up an extended 0% offer, etc., by all means, use your good credit to your advantage.  
    • Unless you plan to refi for only the term that remained on the current note, then you may do just as well to shovel money at the existing note.  Nothing says you can only pay the monthly amount.  Plenty of people pay down car loans (and other notes) early by adding additional funds towards the principal.    The existing loan will continue to report for roughly a decade provided the lender continued to report the data.  Nothing obligates them to report their history with you.  The only requirement upon them is to report accurately IF they elect to report the loan performance.    And no, you cannot retroactively add a borrower to the note.  That requires a new contract.  And it is RARELY wise to put a boyfriend or a girlfriend on the title of ANYTHING.  If you thought divorces were messy, you ain't seen nothing until you go to sell a vehicle that is titled in two names, one of which you have no contact with and have not seen for many years...
    • The lack of compassion is exactly what I’ve been talking about here. It’s like trying to get help from folks who supposedly have been in a similar situation to you, but those people have long forgotten that others helped them and now just cannot be asked to stoop to help someone else.    Often it’s hard to even know what terms to search, no matter where you’re searching. That is especially true for credit issues. People mention “jack attack” for example, but that thread is called something entirely different and someone searching for it may never know that is the thread and could literally waste hours looking for it. It’s not about wanting to be “spoonfed” - it’s about not having spent the last umpteen years here and NOT knowing where to look, whether we found the correct info or not, or even if we’re on the right track at all. Folks can waste a LOT of time here, just trying to figure out if what they’re searching is even relevant to their situation. Then if they can’t get any specific answers to their questions, they can easily end up doing the wrong thing, because they clearly can’t know if the info they found will actually help or hurt their situation unless someone tells them, or they just try it.    If members would even just post links to the threads that contain the info someone seeks, that would be 1000 times more helpful than the typical non-response.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×

Important Information

Guidelines