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About cv91915

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    Hit Man <3 ♡

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    San Diego, CA, and Mudland, USA

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  1. cv91915

    The Car Thread

  2. https://www.edutopia.org/article/6-tips-teaching-poetry-writing-teens
  3. cv91915

    The Dining and Food Thread

    Weenie Queen
  4. cv91915

    Form Letter/Planet Feedback question

    DIY with the Twitter Machine.
  5. I have no firsthand knowledge of what is correct in 2019, The FTC article I linked unequivocally says that freezing does not opt you out. It doesn't say whether it's a regulation, subject to the whim of a junior business analyst at the bureau, changes quarterly like Chase Freedom categories, etc. I want to make sure that we aren't dispensing bad or outdated information. I'd welcome links from authoritative sources (not anecdotes) that contradict what is presented as fact by the FTC.
  6. cv91915

    The Car Thread

    Last night I got sucked into the leasehackr forums, and now I want a Tiguan for $202 a month.
  7. cv91915

    So what did you get in the mail today?

    Mailer from the local Lexus dealer. They can lower our interest rate from 2.39% to 0% if we buy a new Lexus. They also estimate that we would have $5,674 in equity after they pay off our current loan, which we paid off 3-4 years ago.
  8. cv91915

    The Dining and Food Thread

    One of our favorite restaurants has a grilled avocado appetizer that we love (it's the only way I enjoy avocado). They cut the avocado in half, remove the pit, grill the avocado until it's warm, fill the cavity with goat cheese and drizzle it with balsamic vinegar. Simple and exquisite. I have everything in the house except the balsamic vinegar... and I don't know my vinegar so I have no idea what to buy. Suggestions?
  9. My point was that freeze = opt out has been stated here as fact a number of times. I didn't say that we've cited authoritative sources. The entire reason for this thread was to correct the erroneous info that was posted before, and to bump in the future in case this comes up again.
  10. cv91915

    Starbucks Rewards™ Visa® Prepaid Card

    My most recent Starbucks purchase was two tiny sandwiches at a location near my hotel in Tokyo in October of 2017. It was nighttime and I was in a downpour. I was starving, and I had zero patience to figure out a better option than what was directly in front of me. In retrospect I wish I would have tried a little harder.
  11. cv91915

    Denied BoA

    Get your paper reports before taking further action. Then take another pass at the medical using prescribed methods in the Medical Forum. Goodwill the VS late. Send a letter via USPS to a targeted executive BY NAME at their corporate address. Be brief and contrite. It may take multiple attempts and may/may not work. Pay the balance to $0 before you attempt the goodwill request (do this regardless, and never again pay 30% APR on used panties). I wouldn't bother with the recon while you have an auto repo/charge-off, a collection, and a fresh 30. You aren't in prime territory at this point.
  12. cv91915

    NEW CARD!!!!! (Sharonview Federal Credit Union)

    Spend just $5,361 on this card and get a free $7 power strip!!!!!!!!!!! Also note that this gem is in the "Green products" section of the rewards site, so YOU CAN ALSO SAVE THE PLANET!!!!!!!!!!!!! PS: No idea how I earned 3,052 points without having the card - or even signing in. Awesome card!!
  13. cv91915

    Backdoor Numbers

    AFAIK this is the thread with the most recent info, it just isn't being maintained. The reason I suggested rewriting the initial post and starting over is that the first post of this thread is verbatim (or nearly) what you'll find elsewhere, like the sample dispute letters that are two pages long and make demands that aren't based in law, and use words/terms like "hereby" and "competent evidence." Thanks for volunteering. This would would also be a great job for someone who wants to contribute to the board who already isn't wearing six hats around here. And I don't mean that you wouldn't do a great job.

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