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EternalDebtSlayer

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  1. I have "Spend $150 or more, get $50 back" on Airbnb. Anyone ever use this by purchasing an Airbnb gift card? Did it work? I imagine it will but figured I'd check to see if anyone has experience doing this.
  2. Thanks again for the advice. I ended up purchasing a 154k home with 10k down. I closed on December 14th!
  3. I received a letter from FNBO stating that my recent CC application was declined, because my EX report is frozen. The only issue is, I haven't applied for anything in several months and I have never applied for a FNBO card. All of my reports are frozen. Should I ignore this or contact FNBO and tell them I never applied? Also, my name on the letter was correct, the address was slightly off. My address is 4705 but the address on the envelope and letter said 4750, which was odd. Someone at the post office then wrote "4705?" in pen, on the front of the envelope. There is no 4750 on my street. I'm assuming whoever applied for the card inverted the numbers. Should I ignore this or contact FNBO and tell them I never applied?
  4. Thanks for the insight. This is valuable information that I can and will use going forward! Thanks again!
  5. My students loans are fixed. Here's the breakdown: Loan 1 - $1,750 remaining: $40/month Loan 2 - $2,150 remaining: $50/month Loan 3 - $4,600 remaining: $45/month Loan 4 - $5,000 remaining: $145/month Loan 5 - $11,350 remaining: $115/month Auto Loan - $10,000 remaining: $250/month Closing costs would have to come out of the 25k, but I would still have about 3 months worth of "Emergency Funds" in savings.
  6. About 8 months ago I was pre-approved for a $100,000 mortgage ($105,000 sale price with $5,000 down). I didn't intend on purchasing at the time, I just did it because I wanted to see what would "come out of the woodwork" as far as collections go. Luckily nothing came out and my reports are squeaky clean, FINALLY! Here is what my income and debts looked like when I was approved for $100,000: $49,000 annual salary $28,000 student loan debt $12,000 auto loan $5,000 available for down payment Currently I am at: $55,000 annual salary $25,000 student loan debt $10,000 auto loan $25,000 available for down payment The homes in my area that I like are around $150,000 - $165,000. What would maximize my chances of purchasing a home in the 150k - 165k range? 1) Use the entire 25k as a down payment 2) Use 5k as a down payment and 20k to reduce other debts 3) Divide the 25k up differently between the down payment and debts If option 3, what would be the best way to divide it? I've never bought a house before and don't know if there is some sort of theory that less debt is better than a large down payment, or a large down payment is better than less debt, so I figured I'd ask here and hope someone knows
  7. Nothing to worry about! Send them a FOAD letter.
  8. My GF apped the Venture card on Sep 1 and got this message: "Oops, our bad! We are experiencing technical difficulties right now and may not have received your application successfully. Please wait at least 24 hours and call 1-800-903-9177 to check the status of your application. Our hours of operation are M-F 8AM-8PM EST." We looked today and there was a HP on her reports from CapOne on Sep 1, so we used the online chat to check the status of the application. The rep said that they have no record of the application and gave us a number to call. Has anyone had this happen before? She plans on calling the number, but will she get stung with an additional HP when they run the app again?
  9. IME they always put in a dispute, but if it's eligible for early delete, it'll be gone anywhere from a couple hours to a couple days later.
  10. It was ok a couple of months ago. Haven't tried it since then. Yeah, I was able to before they updated their site. I was hoping someone here had done it since the update. If not, I'll be the guinea pig in a couple of days. Still works.
  11. It was ok a couple of months ago. Haven't tried it since then. Yeah, I was able to before they updated their site. I was hoping someone here had done it since the update. If not, I'll be the guinea pig in a couple of days.
  12. I've been out of the loop for a little while, so I figured I'd better ask first. Is it still possible to redeem miles on the same purchase, multiple times? I am going to spend $500 in flights, but I have 110,000 miles I want to redeem.
  13. What car are u trying to get a Lambo is that why it doesn't recognize it ? 2006 Mercedes S65 AMG. They do not list that model for some reason. Just call them and tell them what you want and they'll tell you if you can purchase it or not. That's what I had to do.
  14. Can: Capital One (you can do it through the website) Amex ( you can use Online Chat or you can fax or mail the Authorization of Account Closure form to them)
  15. Wait, what? You can transfer miles? Sent from my SM-N910T using Tapatalk Yes, they took the option away maybe 8 or 9 months ago. The option just came back this week, but it's not automated anymore. Just use the Live Chat feature and they will do it for you. Sent from my SM-G925V using Tapatalk

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