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    • Currently 
      Live in South Carolina,  fico 8's 708,714,717. Credit card utilization 35%, late pays 6.5 yrs ago only thing holding score back.  Salary 114,300.
       
      I'm not in a rush but when the time is right maybe 1 year or so would like to know best first actions, e.g. talk to mortgage broker for pre approval etc?
       
      Im currently 61, Due to alot of bad decisions i didn't buy first home till 6 years ago, no mortgage,  promissory note with relative. Now life is heading in a good direction. Have know idea if it's a good idea to entertain moving to a nicer place. Or what things to consider.  I'll probably be working for a good 8 years if all is right with the world lol.  
       
      I have 1.25 acres the double wide is 20 years old in decent condition.  One question is move to nicer area, or  maybe buy new modular /double wide on the existing property ? My ego wants me to buy new place would like 5 acres and a dwelling.  
       
      I appreciate being able to post this y'all have been very helpful and it helps to get this in print instead of my brain.
       
      Note the zesimate for my place and surrounding area has gone up quite a bit. 
       
      Oh shoot one more thing I have a va loan benefit I've never used.
      • 4 replies
    • Hi guys,
       
      I hope this is not going to affect me to much doing my refninancing, I was checking my fico.com account and I have a new collection! It turns out that it was a medical bill that I thought I had paid but there was a balance of $71, the collection agency is FIRST FEDERAL CREDIT CONTROL, I talked to someone in there and she said if I make payment they will request to delete it from the bureaus (which will take about 3 months). I asked her to put it in writing and she said the best they could do it put a line on the email
       
      So basically she sent me an email with an attachment (the contents below), and a little note below the attachment that said "will be removed from credit once paid in full", will this be enforceable to have them delete if they don't follow thru with their promise to delete? I guess if they actually delete I can show a letter from the collection agency to the bank that the mark has been requested to be deleted? the email is from ann@ffcc.com at least it's a company email.
       
      A DEBT COLLECTION COMPANY - NOT A CREDIT BUREAU - NOT AFFILIATED WITH THE U.S. GOVERNMENT Jan 14, 2021 #XXXYYYZZZ #XXXYYYZZZ/1# "My name", "My Address"  XXXYYYZZZ Creditor Regarding               Amt Owed Dr. WHO MD PC        71.72   THE ABOVE LISTED ACCOUNTS HAVE BEEN PLACED WITH OUR OFFICE FOR COLLECTION PLEASE CONTACT: ANN OWENS THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT, OR ANY PORTION THEREOF, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGEMENT AND MAIL YOU A COPY OF SUCH JUDGEMENT OR VERIFICATION. IF YOU REQUEST THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THIS OFFICE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT THAN THE CURRENT CREDITOR.THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. TO AVOID ERRORS, PLEASE MAKE ALL PAYMENTS PAYABLE TO FFCC OR TO THE CREDITOR LISTED ABOVE AND MAIL TO THIS OFFICE. INCLUDE YOUR ACCOUNT NUMBER LISTED ABOVE ON YOUR CHECK OR MONEY ORDER. YOU MAY ALSO PAY ONLINE AT WWW.FFCC.COM.
      • 14 replies
    • Questions that make no sense...
      • 86 replies
    • http://mortgagesarememberlicious.com
       
      Discuss.
       
      • 22 replies
    • Hi all!  Not sure which board to put this is, Admins & Mods please feel free to move where you deem appropriate. 🙂
       
      I am thinking (vacillating lol) about making NFCU my checking account for my wife and I.  I know they are *excellent* for credit, but how about for checking?
       
      I like them because they seem to have a reasonably large enough free ATM footprint, and I read somewhere that they can ATM Fee Rebate up to $10 for ATMs outside of their network. (I have to find out how to sign up for this.)
       
      How is their customer service?  How is their security against hacks?  How is their willingness to solve problems?  What about their website uptime? (I have never noticed a downtime issue with their website, but maybe you have?)
       
      Thank you for your insights!
      • 16 replies
  • Posts

    • I'm in charge of paying my mother's bills, as she now has dementia. I got lazy and ignored the first three bills they sent me. I got another dated 12/29/2020, with a due date by 1/13/2021.    I then received a collection notice dated 1/4/21 from a local collection agency for the same total plus some interest. Weird that this arrived before even the due date on the most recent invoice from the provider.   I have always intended to pay this bill, and want to send a check for the full amount. I recall from reading this forum in the past that there's a letter I can send to the provider to tell them that they must accept my payment and that they may have violated HIPAA laws by sending to a collection agency. Can someone confirm that this is correct and direct me to a sample letter that I can send?    I appreciate any assistance or feedback. Thank you. 
    • Looks like I will be looking into these further:   1. Ally (Even though they are scummy and got caught discriminating against people of color... Probably not going to go with them but I'm keeping them on the list for now)   2. Axos (ATM Fee Credit the next day)   3. Schwab Checking (I have Schwab for my 401k and I like them. They do have excellent customer service!)   4.  Radius Bank (Good vibes), but not great reviews in some places.   5. Fidelity Cash Management Account (reimburse ATM Fees the SAME DAY) plus my wife uses them for her 401k and their website is clean and masterful.    6.  Connexus Credit Union - They seem real nice. They're actually in the front running.  Their site is clean and nothing special but very "customer servicy"; very friendly and it seems to be geared towards and marketed towards women.   7. Chime - they don't do ATM fee rebates at all.  In fact they have out of network ATM fees.  I just like the marketing and the good guy image... Which will probably only last until their I.P.O, LOL!
    • What's that lyric?  "It's 4:20 somewhere ..."
    • This should be do-able.  Just a reality check:  If I understand correctly, you're talking about paying down approx $45k of your revolving debt with either cash or refi into an installment loan, and then rolling the balance of approx $50k into the new mortgage.  Right?   You have approx $50k equity capacity to absorb the debt rollover in the new mortgage while staying within 80% LTV .  Just remember to properly account for funding of your closing fees.   I assume that your projected 37% DTI accounts for all debt outstanding under your assumptions.   Standard cap on DTI is 36% for total debt, 28% for the housing expense portion aka front end ratio (don't forget to incl you H/O ins premium here).   Because your housing expense exceeds the 28% threshold, you can expect that your application will see considerable scrutiny.  I don't have experience with approvals of an app with an excessive front end ratio, so can't advise on your prospects. 
    • There was also a thread on DOC about this devaluation.   Key Bank has never had good rewards on credit cards, if that's the previous digs for this CEO.    Hopefully SDFCU keeps their 2% card!    Thanks for confirming the devaluation. Alliant *was*  my backup card in case  Citi ever nerfed the DoubleCash. Unexpectedly,  Alliamt blinked first!

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