Jump to content

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


Creditboards Main Forums


  1. Credit Forum

    Credit Reports, Collections, Credit Cards and related discussion

  2. Medical Billing & Medical Collections

    NOT PAY FOR DELETE! Why Chat's HIPAA dispute method. May require repayment.

  3. Bankruptcy

    Bankruptcy discussion

  4. Foreclosures/Loan Modifications

    You're trying to get a modification, or you're being foreclosed?
    While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

  5. Chexsystems Help

    Discussion and help for consumers who have trouble getting a bank account.

  6. Debt Consolidation, Counseling and Management

    You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.

  7. Military Credit

    For the credit issues that are unique to our military members

  8. Canadian Credit

    The unique challenges for our neighbors to the north.

  • Recently Browsing   0 members

    No registered users viewing this page.

  • Posts

    • I don't know of any Non-QM lenders who do business directly with consumers.  Due to the high risk that interacting with a consumer carries, they usually like to shield themselves by requiring loans to be submitted by mortgage brokers, so the loan officer takes some of the risk + takes care of communicating with the borrower.   With a 600 credit score Non-QM lenders typically require at least 20% down and max the DTI out at 50%, so it seems like you should be able to find a mortgage broker who'd be able to help.
    • 12-15 years ago I drove from San Diego to San Francisco and back over a long weekend.  That was the last time I did a road trip > 300 miles each way in a personal vehicle.   While I enjoyed the experience once, I'm never driving to SF again.  300+ miles trips are why we have airplanes.   I drive an average of 25 miles a week, so I don't see the range on this Porsche being a limited factor for me.  Plus it's a gorgeous car.
    • 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.  

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