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    San Diego, CA, and Mudland, USA

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  1. I am by no means taking your wife's side, nor am I suggesting that your motivations are unjustified. With that said, I've done post-mortem analyses on both of my failed LTRs. I didn't realize it at the time, but it was over with Crash Test Dummy with Hair as soon as his student loan payments kicked in and he decided how we were going to manage our finances going forward -- and then informed me. Don't misunderstand, I was a terrible boyfriend, mostly because I didn't respect him. He usurped control of the money to give me the 🖕 for being so inattentive and distant, and I didn't try very hard to offer my own financial suggestions because I didn't want to lose the ability to play the victim card when we argued about other things. The Cuban Who Couldn't Cook, was awful with money and made very little of it -- which is a really bad combo platter. The first ~5 years were fine, but in the last 3-4 years I was bailing him out every 1-2 months. It wasn't a lot of money ($100 here, $500 there), but empty promises of eventual repayment eroded every atom of trust and respect. For my half of the blame, I secretly enjoyed the leverage of having a partner who was indebted to me. Shame on me for that. I really hope you can find a model that works for both of you.
  2. This is a long read, and at some point it morphs into a Sapphire Reserve vs. Amex Platinum comparison, but it chronicles my usage of various benefits of the two cards. Both the CSR and Amex Platinum* are money makers in year 1 unless you accept a below-average SUB offer. * Platinum has gotten more difficult even in year one if you can't use the airfare incidental credits. It would probably take a 100,000 MR SUB for me to get another Platinum unless they make this "benefit" easier to use.
  3. No, I don't even remember what we were talking about. And I never said he was wrong. 😛
  4. Glad this worked out. You only pay for MI if the loan program you choose requires it. If you were recently able to remove it, that implies that your LTV on the new loan would be no higher than 80%. If that's true, you will not pay MI unless you plan to do cash out and go above 80 LTV again.
  5. Interesting. I wonder if they have a COMPUTER GLITCH and they'e giving you 1 cpp for the base fare and eating the taxes/fees. Seems unlikely, but here is the breakdown on a recent domestic ticket that I purchased with real money. FARE-USD $ 539. 53 TAXES AND CARRIER-IMPOSED FEES $ 63. 66 TICKET TOTAL $ 603. 19
  6. FYI, car rentals from reputable companies are generally 25+ unless the employer has a corporate contract that overrides this default (my employer does). Some rental companies rent to the general "under 25" public for an additional fee. The ones who don't care, well, those usually result in threads that start with, "Dirt Cheap Auto Rentals gave my employee a car with a human-shaped chalk outline on the back seat."
  7. You just ordered your reports. Against whom did you file a CFPB complaint, and what is the basis for the complaint?
  8. "Open" is most likely showing as the account type, rather than the account's status. As Marv notes, this is because the account is still charged off. If the account had been managed as agreed, the account would update as "OK" every month, because it was OK every month.
  9. I downgraded the $450-AF card to the no-AF card in October when the $450 AF posted (my brain refuses to store the names of each version of the card). Yesterday I received another 150,000-point offer to upgrade back to the $450 version. I need to put some thought into when to do the upgrade to minimize my OOP cost, now that I can't use the $250 airfare incidental credit. I value Hilton points at 0.33 each (but hope for more), so the last thing I want to do is pay $450 for $450 in Hilton points. Here is the AF charge/credit history for 2019. Upgrade offer is good through 5/15/20.
  10. "I'd like to remind you that I am the young, hot thing in this house." -- TAD, 2/21/20
  11. Welcome back. I haven't seen recent discussion about calling Discovery for reconsideration, but here's the current backdoor number thread. Give it a try and report back. https://creditboards.com/forums/index.php?/topic/617780-updated-backdoor-numbers/ His credit files should be largely empty after 15 years, so the credit building strategy should mirror someone new to credit (at least with the bureaus that have been rid of the negatives that you mentioned). 5 open, positive revolving accounts is optimal. You didn't mention whether he'll actually use the Lowe's card or if it was selected for perceived ease of approval... I will assume the former, but in case I'm wrong, avoid store cards and focus on cards that have long-term value (CLI and PC potential).
  12. The differences between the cards are the AF/benefits combo. Approval-wise it doesn't matter.
  13. I always check FlyerTalk to see what types of retention offers (if any) people are getting on a particular card.
  14. https://www.atlasobscura.com/foods/volkswagen-originalteil-sausages 30 kitchen staffers, most of them trained butchers, are put solely on weiner duty...

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