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Second Chances

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About Second Chances

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    Lucky O*

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  1. 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
  2. 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.
  3. It's the opposite of the magic coffee table skit
  4. 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.
  5. 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).
  6. 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.
  7. My parents both still work, and did so six years ago when I lived at home for the year after grad school. It was very generous of them to let me live at home rent free that first year working; however, I still contributed to the household. I did most of the housework, helped with groceries, and helped take care of my elementary school-age brother, including transportation, as needed. To be honest, that year was great for my relationship with my brother (for the previous 8 years I had been away at school, except for various weekends and holidays) and my parents. Now I'm independent, but live four hours away.
  8. Well, their severe delinquency graph has two different lines that both say credit score < = 600, so apparently they do not know how to proofread. Otherwise, the stock market might be great and unemployment might be low, but wages are stagnant and things like healthcare/insurance costs continuously go up. Combine that with lending comparable to pre-2008 and there are a lot of people living beyond their means and creditors lending to them to keep numbers up.
  9. Eh, don't really want to piss off the people at the wedding venue--limited supply of venues and a lot of demand here (which is also why they do do things like charge a 3% surcharge).
  10. The wedding venue we just booked charges a 3% surcharge on Visa and MC, and they do not accept Amex at all. I went to the bank and hand delivered a cashiers check, instead. If it’s a restaurant or retail store, though, I’d probably shop elsewhere if they had a surcharge.
  11. Well, maybe some people have learned, compared to the 89% doing it in 2006. I think most anything that was really popular in the several years before 2008 in real estate should probably be avoided.
  12. Congrats! That's a nice starting limit.
  13. CapOne is just taking over Walmart. Sorry, I was responding to Occam’s post about Walmart FICO not working.

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