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About nolanryan

  • Rank
    Credit Repair Fast Ball
  • Birthday 01/06/1984

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  • Location
    Fort Worth

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  1. I just graduated in December and none of my loans are in default. I have been looking at consolidating them and saw that you can do so right on the FAFSA website (studentaid.gov). If I choose to consolidate directly with them, are they making a determination for credit worthiness like a private company would or since you already owe it to them, they simply move it from x amount of buckets to one bucket? Thanks
  2. I am not even sure its worth refinancing at this point or who is offering the best rates. I am financing a new truck for 72 months at 4.65%. Should I look at anyone for refinancing? Thank you
  3. nolanryan


    I am sure there are many new faces and some old as well. A few years ago, I was a relatively active member as I rebuilt my credit and chased larger limits, sign up bonuses, etc. I've been busy the past few years thus haven't contributed as much as I would like. I went back to school and grabbed a degree, I quit a good paying job that I loathed and switch industries, started a small business to help in the interim, and plotted out a path to a dream job in aviation that I landed this past October. With things settling down, I finally found myself with more time to do the things I love. In my hiatus, I have become rusty and will have to learn this hobby again as I have forgotten much and what hasn't been forgotten has probably changed. I look forward to becoming familiar with this place again and connecting where I can. Chris
  4. Well I came here and found what I was looking for. Chase slashed my limits, most likely due to high utilization on two individual cards. I wasn't sure if it was worth calling them or not. Sounds like I just need to pay off the business expenses and look to rebuild later. Appreciate the help CB.
  5. I felt there is at least one person out there who could benefit from my post. I am not sure what exactly triggered it but my activity, along with anyone else who ms, must have been highly suspicious. I had two or three bank account shut downs over this period of time coupled with daily deposits of money orders in the sum of $1000's of dollars each deposit.
  6. Yeah me too. The whole thing was not pleasant. I really think I lucked out.
  7. Things might have changed. This was two years ago at this point.
  8. Can't tell if sarcasm. Hope everything has been going great for you Hegemony.
  9. Hi CB, I haven't been on in some time. Been busy and my credit has been in cruise control since I cleaned it up. I did have the privilege of going through an audit with the IRS due to my ms activities and thought I would share and provide some information to the community as well as a word of caution. I was audited for 2016 and later expanded to included 2015 as well. After running approximately 500k through my WF card, the IRS determined that I owed approximately $250,000 in back taxes plus penalties and interest. I'll fast forward to the end and let you know the IRS eventually adjusted the numbers and removed everything they tacked on. My only saving grace was that at some point during my ms adventure, I decided it was a good idea to start holding on to everything. So while I was missing a few weeks, I had the majority of every gift card receipt, money order receipt, and deposit slip. I was advised that, had I not had that, the IRS would have had to designate every deposit as additional income. Regardless, it was a major pain trying to get statements for banks and credit cards, when some where no longer open, and try to put it all back together to be able to show the IRS. In the end, all is right in my world and everything ended up working out but I did want to caution anyone interested in ms. To each their own but just remember, there is always the possibility of the IRS getting involved. NR
  10. nolanryan

    Chase 5/24

    Will do. I will probably GP it. I switched companies and now work for SW and want to have some points as back up.
  11. nolanryan

    Chase 5/24

    Hi! I did a few searches and I believe I found my answer here. Is 5/24 still in full effect for Chase SW Rapid Rewards? This thread is fairly recent and it sounds like it still is. TIA
  12. Yeah we will see. But at this point I'm sure it will be paid out. It would be hard to back pedal after sending out that email.

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