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TXPRO4X

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About TXPRO4X

  • Birthday 07/17/1981

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  • Location
    Marshall, Texas
  1. I called Ombudsman office and they are going to correct it. We"ll see in 30 days.
  2. In your case were did you also petition for attorneys fees? Im in no fault at all. Tge judge who signed the knew full well he was putting me into arrears and that I was put into a position where I couldnt have paid the correct amount. If I have to hire an attorney to make this right they shoukd be liable for the costs as well.
  3. So tge Office of the Attorney General just hit me with a fresh 30 day late Jult 1, 2017. Backstory: Since the last child support review was conducted by the OAG in 2013 my child support payment was 405.00/month. Tjis payment was auto deducted from my paycheck bi-monthly and all payments have been paid on time (I check the website twice a month to verify). Fast forward to June 2016 and a new child support review was conducted since 3 years has passed since the last onr. As soon as I recieved the letter asking me to come to the scheduled cjild support review meeting, I handed over all th
  4. First and foremost, thank you to everyone who responded. My mind is exploding with the wealth of knowledge. I had NO IDEA that credit union's were the worst places to get a mortgage. I mean i've read bad reviews about Penfed mortgages but everyone has bad reviews (can't make everyone happy). All of your comments make complete sense and I guess I should have done some more digging. The last appraisal which is from 4 years ago appraised the home at 172k and when speaking with the loan officer at Penfed, she mentioned her system pulled up close to 200k. Her parents are selling us the home at 14
  5. Guys, its been a long journey and what seems like just yesterday I had sub 600 scores across the boards, thanks to this community I've had a lot of success. All my ficos are 670+ and are improving monthly. I'm very comfortable credit wise and have been gardening for 6 months now. I mentioned in a previous post about wanting to purchase the home i'm currently renting which is owned by an LLC my girlfriends parents and godparents own. Just to see where I was at mortgage wise I app'd with Penfed since I have pretty much every product with them except a mortgage. Spoke with a Sr. Underwriter for o
  6. Guys, its been a long journey and what seems like just yesterday I had sub 600 scores across the boards, thanks to this community I've had a lot of success. All my ficos are 670+ and are improving monthly. I'm very comfortable credit wise and have been gardening for 6 months now. I mentioned in a previous post about wanting to purchase the home i'm currently renting which is owned by an LLC my girlfriends parents and godparents own. Just to see where I was at mortgage wise I app'd with Penfed since I have pretty much every product with them except a mortgage. Spoke with a Sr. Underwriter for o
  7. APP'd 30 DAY, 2 days later logon to Chase APPROVED 5k 664 FICO. Funny thing is I've had a $500 CL Chase Amazon Rewards for almost 2 years now and haven't been able to squeeze a drop out of them and BAM they give me a 5k limit? LOL
  8. Since day 1 of being a member here, i've always been under the assumption that you could only get a mortgage with clean reports period. I mean yes, you could get pre-approved and before the closing, any baddies on your reports would need to be paid in order to proceed. I'm 2.5 years away from clean reports and I started my rebuild back in January 2015. Most of my accounts are now 24 months old and all are current. My fiance's mother and father are part owners in a real estate LLC with her god parents. Their business has roughly 8-10 properties that they rent. The godparents are the one's w
  9. Skeeter if yoyr going for a new car or auto loan I would def pull the trigger.
  10. Rakurai, no probationary period but many have said Penfed has a long memory and joining with bad reports has an adverse affect even when you later have clean reports.
  11. Ill preface this thread by telling everyone thats been working diligently on the rebuilding process DO NOT GIVE UP! NO MATTER WHAT YOU DO! HARD WORK DOES PAY OFF! I started off with 580 FICOS across the board and currently today sit 669, 672 and 659 with 3 baddies left, MIDLAND, PRC AND First Premier all SOL and a little over 4 tears old. I made the mistake and joined Penfed with a dirty report and opened a savings and checking but after a while was given the Thrifty Credit Service for 500.00. I used it several times and always on time and paid in full. Have run 80% of all my money through
  12. I've been reading a lot about the almost certainty that AMEX SPG program is all but dead. My sister just got tge card 3 months ago and has 26,444 starpoints. My question to all of the experts is, what would you recommend she does with these points? She has an AMEX HHonors that she's 300 bucks away from earning the 75k points on that card. Lastly would it be better for her to transfer the SPG CL to HHonors now that she has the points? Which route would be best to maximize rewards?
  13. So its been a loooooong 4 years but i've made it in one piece so far. At the end of this month the SOL runs out on all my negative accounts. Before I ask my questions, below are the negatives and where they are reporting. First Premier Bank $425.00 - Reporting on EX, EQ, TU (They haven't updated since December 2015 Midland Funding $799.00 (GE Capital Retail Bank (Walmart) - Reporting on EX, EQ, TU (Updating every month on EX, Not updating at all on TU and reporting OPEN Account, and reporting current on EQ as of this month. Portfolio Recovery Associates (Capital One) - Stopped updating
  14. Since NFCU is running a promotion, I got my sister to join them. She was officially a member as of yesterday. She has not yet funded her account. She just recently recieved an Amex SPG account and she needs 3k spend for the points. If she uses her card to fund her account, will it count towards the 3k spend or not? Trying to see if she can deposit a quick 3k in her account to get the points.
  15. Paid it off and paid my savings account back. I didn't like it but it was the smart move.
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