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Mortgages

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

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  • Our picks

    • I elected to pull the trigger on the new United card the other day.  As expected, there was a pull on EXP.  No instant approval.  I see a pull from the following day on a different bureau (TU). 
       
      I am curious whether this is becoming their new normal.  Recording still has the 'under review' message.  
       
      Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window). 
       
      Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United.  I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge. 
       
       
      • 12 replies
    • 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
  • Posts

    • Maybe buying a pencil now and then? 😁   Sorry, I couldn't help myself. I haven't been here in a while.   
    • Hi everyone, it's been several years since I've been on this site. I have since built, ruined, rebuilt, and ruined my credit since....I am once again, and hopefully for the last time, growing the hell up and doing it right so I can buy a house next year. I have already paid down my few current credit cards, and just completed a credit counseling repayment plan. My FICO scores have gone up about 20-30 points on each report so far.   I have a few questions I need help with - I have tried some facebook groups, but they all seem to be run by a credit repair company, so either no one answers the questions, or they tell me to try one of their coaches :/  Also, it seems like the "other" forum has gotten a little more strict with asking for help with removals/deletes, etc. So hopefully, some of you can help me out.    #1) I just received two collection letters, each from different agencies. One is for a PayPal Working Capital loan for $2089. The letter/collection is brand new and did NOT hit my credit reports yet. I have about 15 days left to dispute if I want to. I actually have the $ to pay it in full, so I went into that PayPal account to pay it, but I called them as well to make sure if they were paid directly, the collection agency would not report it. The guy on the phone insisted they no longer have control of it, and that I must work with the collection agency now. This doesn't make sense to me - because the letter says "CURRENT CREDITOR: PayPal", and because I am still able to make payments directly in the online account. To me, that normally means the creditor still OWNS the debt. This guy insists they don't. Either way, what is my best option with this one? Should I send a dispute letter first and just see if they send something back? In the meantime, if I send one, does that keep it from showing up on my reports yet? As of yet, it is not on them. Or should I just call them and offer to pay in full, if they don't report to the CRA's? If I should send a dispute letter, do you have a good one that you've used that could help me?    #2) The second NEW collection letter is also for PayPal, but I have no clue what it is for, or which account it is associated with. I had two business and one personal, and from what I know, I only owed the Business Working Capital. It's for $318.66. Should I definitely just send a dispute letter on this one? Also, same question, if I send an initial dispute letter, will this keep it from hitting my report until it's resolved?    #3) I have one collection currently on my reports. It is from Enhanced Recovery Company for an old Sprint bill/phones from when I switched carriers. I have read a lot of people were able pay Sprint directly and have it easily removed from their reports. Anyone here had that done with them? I believe I did this same thing with T-Mobile several years ago and it worked. ALSO - should I first dispute this with the CRA's? I keep hearing these credit coaches saying everything should be disputed with the CRA's first....is that true? What do you think is the best option on this one?    #4)  Late Payments - from being on that repayment plan with a credit counseling company, it actually DESTROYED my credit. Partially my fault. I had autopays coming out each month that were distributed to the creditors. There were 3 times during it that I had to pause my payment due to finances those months....two were in 2019 and the most recent one was during COVID. But each time, even though I would pick up the payments the following month, they were still marking me as past due because of that one missed month. So now there are tons :( I am sure I could easily get the ones from COVID era removed and that is easier to explain, but I'm not sure what to say about the older ones. I have seen so many Goodwill letters going around, I'm not sure which one to use or how to word it. I also have a few lates from 2019 on my Capital One that I still have, so I'm going to try and ask for those to be removed too.    Anyway, those are my biggest issues to save/repair my credit right now. Any useful advice in getting these resolved in the best way that benefits my score, and in what order, will be very very much appreciated! 
    • Thank you everyone for the responses. I'm going to do some digging tomorrow and I'll update once I find out some things. I'm also gonna look on Reddit just so I can see the other postings about Portfolio, they seem like a terrible company.
    • We looked into buying a private plane a couple of years ago.   For as little as we would use it, the cost was prohibitive to get something that flies fast enough to have a time advantage over going commercial and renting a car on the other end.... unless you're just hopping around from, say, Cedar Rapids to Moline, which would otherwise require a connection in Chicago or Minneapolis if you were flying on a commercial airline.   Plus we both assumed the other would be the one to get a pilot license.  😛   

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