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Mortgages

Discussion of mortgages, buying and selling a home, real estate investing

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  • Our picks

    • Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards. 
      I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed? 
      Years ago they weren't but so much has changed. 
      Thank you for all the suggestions. 
       
      • 15 replies
    • First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. 
       
      So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
      Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
       
      I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. 
      I could desperately use some guidance from you all
       
       
      Fico 8 eports & scores as of March 10 
       
      Experian 558
      Citibank AU $6500 limit $4977 =76% usage  - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score 
      Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
      Care Credit AU$4000 limit $0 -no usage - 8 years old never late 
      Sears - closed AU no negatives 
       
      CarMax paid closed $19,117 -opened 4/14 closed 7/15
       
      Acendium student loan 44 lates CO $2872 updated 8/16
      EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
      EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
      FED LOAN SERV- closed exceptional payment history 5/15
      GLESI/ Bank of America -closed exceptional payment history 2/12
       US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
      US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
       
      Inquiries 
      Cap1 3/20 - unsecured card $300 limit in mail 
      Discover 3/20 - declined secured card 
       
       
      TU 509
      Belk - same 
      Care credit - same 
      CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 
      Discover -same
      Sears-same
      NFCU AU- closed updated 5/23 $20k limit exceptional payment history 
       
      Carmax-same
      All the same student loan info 
       
      Collection 
      AT&T  Mobility $1206  collection opened 9/18 updated 2/20
       
      Inquiries Cap 1
       
       
      EQ 535 
      Citibank same 
      Belk- same 
      Care credit same 
      Creditone same 
      Discover same 
      NFCU SAME 
       
      CarMax same 
      Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes 
       
      EDSOUTH GLESI SAME 
      EDUC SERV AMER same 
      FED LOAN SERV same 
      FED LOAN SERV same 
      US DEPT EDUC same 
      US DEPT EDUC same
       
      Inquiries 
      Cap1 same  
      • 33 replies
    • Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
       
      So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
       
      My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
       
       
      • 24 replies
    • So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info? 
      • 4 replies
    • Hello, I filed bankruptcy in 2016. Since then I haven't really done much to take care of my credit. Stupid, I know. The main issue I've had is running high balances but I recently pulled my credit reports to see if there was anything else going on. I found two medical collections on my report from after bankruptcy. However, I'm almost positive the services are from before my bankruptcy. For one of the accounts it reports on Experian as IIB with no balance but on Transunion it reports as active with a balance. I tried disputing it via credit karma but transunion came back saying it was accurate and now there's a note on it saying it meets FCRA (see attached image). 
       
      For the other account I'm almost positive it was also a service from before bankruptcy. What's the best process to go about confirming this info? Should I send a debt validation or dispute it with the CRAs? I worry that won't do anything because it didn't help with the other case. 
      • 38 replies
  • Posts

    • Could I get you guys to do me a favor?  Go back and read our Terms of Service.  I'd like to see less profanity used on the board.
    • I have been sheltering in place since Feb 12, 2020. I had my spouse take me to a tire place for some automobile maintenance about a week ago. I did not stay to wait. I was taken home until the vehicle was ready and went in quickly masked just to pay and pick up the car. One time my spouse let me go ride with him to the grocery store and he parked far away and would not let me leave the vehicle. I was masked there also.   I have severe underlying medical concerns that scare the fear of God in me, because I know I would not survive. I hope none of our members base is so complacent that they don't take proper precautions or treat this with the severity deserved.   No one is invincible and I hold you all in the dearest esteem.   Sent from my SM-P580 using Tapatalk        
    • If that happened I'd be checking my free EX fico report in a heartbeat.
    • Hmmm. Or it's a red herring when it randomly drops 150 points and your FICO stays the same. 
    • After logging into my Chase account they have changed their Credit Wise Vantage TU free credit score to an Experian Vantage score. It's not a FICO model but nevertheless it useful for eyeballing one's report for changes. 

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