Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Gronnie

Members
  • Content Count

    1,162
  • Joined

  • Last visited

About Gronnie

  • Birthday April 1

Contact Methods

  • Website URL
    http://
  • ICQ
    0

Profile Information

  • Location
    MN

Recent Profile Visitors

391 profile views
  1. How is this different than buying an Amazon gift card at a retailer and paying for it with cash?
  2. Typical drone. They can't change accurate reporting. In this case, the reporting is not accurate, so of course they can and should change it.
  3. Awesome, now dispute as obsolete and hope it falls off early!
  4. It is certainly good practice to pay prior to the statement cutting but I wouldn't go so far as to say there is no benefit to paying the "traditional way". It provides additional float time, which is worth something, even if minimal. The last thing someone should be thinking about when repairing their credit is floating payments. If they are not carrying debt then they should PIF before their statement cuts. There is no benefit to letting it report now. Perhaps you missed the last few sentences I wrote concerning letting balances report after OP gains knowledge on credit. Perhaps you missed the entire post you quoted where I agreed with you except for the blanket statement that there is no possible benefit whatsoever (which is false)?
  5. It is certainly good practice to pay prior to the statement cutting but I wouldn't go so far as to say there is no benefit to paying the "traditional way". It provides additional float time, which is worth something, even if minimal.
  6. Pretty sure a missed call doesn't count as their "one call" either. They are allowed one contact with you.
  7. Just called in to US Bank and request product change from Platinum card to Cash Plus card. Instantly agreed to. Woohoo! While it definitely won't be my "best" cash back card, it is definitely better than the vanilla platinum card.
  8. Most likely nobody will settle unless you are delinquent. You could purposely miss some payments but it will kill your credit score. Sent from my VS986 using Tapatalk
  9. Hopefully you are considering a lot more than just the monthly payment. That is what gets a lot of people (including me at your friends daughters age) in a lot of trouble. I think the Kia deal was probably good considering her situation (credit, income, debt, etc) -- but hopefully the next time she needs a car she will be in a much better place. Also, kudos for figuring out the electric bill situation and correcting it. Most would have not done that and continued to get screwed.
  10. Anyone that has ever had your routing number and account number ( which is printed on all checks) has direct access to your checking account. Sent from my VS986 using Tapatalk
  11. How long was your loan for? Have you made all the payments on time?
  12. Congratulations!!! Looks like you got to close, and will get all (or at the very least most) of your cards back.
  13. Call the card providers after you close and ask them to reopen the accounts.
  14. It is good advice. Dump the credit card and get the debit card instead which also is a no annual fee card with 5% off. And then of course you have to put money on the debit card which is the same as pushing a payment to the CC after use. Huh? It is a pin based transaction that does an ACH pull from your checking. You don't have to load the card.

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.
×
×
  • Create New...

Important Information

Guidelines