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Second Chances

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About Second Chances

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  1. I'm not advocating going cash only like Dave Ramsey recommends, but running a card through a reader doesn't have the same psychological effect as having a stack of cash in your hand that depletes every time you make a purchase.
  2. https://www.ajc.com/blog/airport/changes-and-higher-fees-coming-for-delta-amex-cardholders/lKxNUy4zyuith337ZIFZ3I/
  3. It's disturbing how much info is collected on people these days (and it's all for sale).
  4. There's been several threads about it. Apparently Walmart wasn't thrilled with Synch and transferred their credit card program to Cap1 instead. https://creditboards.com/forums/index.php?/topic/619800-capital-one-and-walmart-reimagine-the-retail-credit-card-program/
  5. Well, the CK skores are worthless in comparison to FICOs. As far as the baddies go, the DOFD is more important than the date paid. Without knowing more about your reports, letting the new cards you have age and trying to attack your baddies may be your best option. (Though, I have no idea what the Ollo card is).
  6. I got the Walmart store card when I was rebuilding. Hate Walmart, but was keeping it for the age and the free FICO. Now I’m just keeping it for the age.
  7. I missed this thread when I was gone from CB for a few years. It’s a great read.
  8. It doesn't sound like they have permissible purpose to me, if if is going to be solely in her name, but it probably depends on the language in the contract y'all signed originally. I'm not clear on the timeshare package deal, but when you say you had to "sign off of it" did you mean you were cancelling your stake in it and it would be solely her from now on?
  9. A letter from our HOA complaining about the "minor and miscellaneous plant debris" in our driveway, dated four days after Dorian came through a mandatory evacuation area. (It was actually cleaned the day the letter was dated.) Nice to know there are no bigger issues in our neighborhood than that
  10. At least there were a few people telling him that paying interest for a few FICO points is stupid, especially when you can just wait til the next statement cycle and use the $2 trick to regain the points.
  11. It's the opposite of the magic coffee table skit
  12. As far as the student loans go, the only things I really know about are income based repayments (IBR), which, with your salary, may or may not help. However, there is a student loans sub-forum in the Financing forum that will probably have much more info.
  13. It took me four weeks to get my first paycheck the first summer I worked as a summer associate during grad school. I naively didn't realize it would take that long to get on the payroll and my loans had run out for the year. I had to borrow money from my parents to pay rent. I learned my lesson, though. I currently work for a contracting company that has to pay their workers weekly--most of them honestly can't even handle bi-weekly pay periods. Direct deposit goes in on Friday, but paychecks are available Thursday, because a lot them can't wait til Friday and can't get bank accounts. (They are good guys for the most part, but still serve as a daily reminder of why to keep a good control of your finances). We lost basically a week of work last week due to hurricane evacuations, and I was so thankful for my emergency cushion (even as I balance growing it and paying down debt).
  14. How is the closed account notated? A CO, IIB, etc.? How does the account report on the paper credit report (minus any personally identifying info)? You really haven't given us enough info for an informed answer.

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