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About lakegro

  • Birthday 07/09/1980

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  1. Thank you all for your wonderful advice! I will be sitting down this evening to analyze what the best plan of attack is based on everyone's comments. I can always count on CB to give me honest feedback. You all ROCK!
  2. I do, indeed. I don't have any need for raising my scores right now because I am not applying for any new credit for a while. My husband lost his job in Feb. and we fell onto hard times, using our cards to stay afloat. He is actively looking for a new job but times have been pretty rough for me, busting my butt to make sure bills are paid on time. Fortunately, things have been going fairly well for me at work the last 2 months and this bonus check will help tremendously. I just wanted to lessen the burden on me.
  3. Thank you all for your help! The highest rates are on the Cap 1 cards which are the 750 and 500, and also a Victoria's Secret card (660). I'd really like to PIF those 3 for sure. I'm still concerned with raising my scores but right now I just want to get my util down. I didn't know if paying down the 3 higher cards (5k and both 1k) would help with that or not. They all have the lowest rates right now (all with NFCU).
  4. Quick question: I recently got my bonus check from work and I want to pay off or pay down my credit cards. My check is only for $3000 but my balances are below: 500 limit/497 bal 750 limit/738 bal 1000 limit/997 bal 500 limit/450 bal 660 limit/400 bal 5000 limit/3550 bal 1000 limit/960 bal I know that I can't pay them all but I want to pay the ones that will make the most impact. Should I pay a little on all of them or pay off certain ones and keep balances on a few? TIA
  5. I believe it's still within SOL. I'm in VA and from what I've read, SOL on written contracts would be 5 yrs. It wouldn't be 5 years until Sept. 2014.
  6. Hey CB! I have a question that I can't figure out the answer to, so I'm posing it to all of you wise folks on here in hopes that I can get this resolved. I have an outstanding c/o with University of PHX from 2009 that has been a thorn in my side for ages. I shouldn't have been charged because I never attended the classes but anyone who's familiar with U of P knows they are money-hungry asshats. Needless to say, every dispute I've sent in has come back verified. I've written their dispute management office asking for proof of the debt and they've given me the run around. I've written t
  7. I am so glad I found this post! I am currently an AU on my hub's NFCU nRewards card, Victoria's Secret and Belk card but none of them are reporting on my EQ, only on TU and EX. What should I do -- these are all cards that I garden for him...I'm tired of not getting credit for them LOL!
  8. Thanks guys! Of course I Googled them and came up empty too. I'll report them to the AG and the CFPB, just for poots and giggles. I'll keep you posted on what happens!
  9. I'm pretty sure they are, especially since he asked me if I still resided at an old address that I haven't resided at in years. My question is, since he stated they were looking to serve me with a summons over the phone, isn't this grounds to sue them over a possible FDCPA violation? And since this call was made at my job?
  10. Hey All! My place of employment recently received a fax from Weinstein & Associates LLC based out of Laguna Beach, CA asking for them to verify my employment. It was very generic but luckily my employer is small and knows that I have been working hard to repair my credit, so before they sent anything back to them, they gave the fax to me to look over. In very small print at the bottom of the verification form it states that "this is an attempt to collect the debt and any info obtained will be used for this purpose". The form only lists the last 4 of my SSN -- nothing more (no address,
  11. Dear Santa, While you are blowing up Midland (with no people inside), could you also make it rain reindeer poop over at administrative offices of Univ. of Phoenix. Those bastards are making my life miserable with this unjustifiable CO. I'll be good the rest of the year AND I'll make sure that instead of milk, you get a jack and coke on the rocks. And maybe a stripper in a Mrs. Claus suit (not me, of course). Love, Lakegro
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