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cyberone28

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Everything posted by cyberone28

  1. great to know! may I know when does the Homestead exemption kicks in if I file this January. will the payment be readjusted to the new taxes? sorry to ask all of this I'm just new Sent from my SM-G925T using Tapatalk also tha k you all for the replies, very helpful Sent from my SM-G925T using Tapatalk
  2. oh i see, oh well i have to write a check now for the shortage escrow, one more question, i am about to file for homestead exemption this week, is it worth it? i think TEXAS has up to 20% of property value.. but if it is not worth it then i'll just leave it the way it is
  3. please explain this, apologies for not understanding. Sent from my SM-G925T using Tapatalk
  4. hey all, I closed on a brand new house on December 29 2014, so I filed for the Homestead exemption on January 2015, somehow my escrow was short this year by 3.5K, if I pay the shortage then my payment would still be 228 higher then last year.. was $1501 will be if I pay the escrow $1729 so my question is this. isn't the Homestead exemption help homeowners? I wonder why my payment went up, I'm on a fixed rate and in Texas.. called my mortgage holder customer service and they just put me on hold for 1 hour and 45 mins..... until I hang up.. is it true that I have until January 15 to file for the Homestead? sorry for asking this silly question.. I'm really new to the mortgage thing.. Sent from my SM-G925T using Tapatalk
  5. OMG! Capitalization, punctuation, and spelling! Capitalization, punctuation and spelling!Hrmm... Depends on who taught you English and grammar. Old school like me would include the comma before and on the last and. New school says no comma required on the last and. I remember someone correcting me a while back and had the same argument. Its six in one and half a dozen in the other IMO [emoji41] You are correct. hmm maybe he wrote a big sentence hence why he/she didn't add any punctuation just saying just like I did. Sent from my SM-N920C using Tapatalk
  6. OMG! Capitalization, punctuation, and spelling! Capitalization, punctuation and spelling!
  7. then I'm really happy for you OP =) keep the great work up!
  8. But it is a really good store card if you shop there. never said it's a bad card. it's just a charge store card.. I like macy's though
  9. I remember I had a paid charge off with them like 4 years ago, and suddenly it just banished off my reports two years ago, they are really stubborn to deal with, just like any subprime.. I would buy a big box of stamps and send 1 every week to different departments.. until they go crazy.. or just wing it for another year. Sent from my SM-N920C using Tapatalk
  10. I don't see how he screwed, maybe he's starting/rebuilding, I remember when I was excited with creditOne Bank approval...... Barclay's it's a good choice, Sony too, kohl's well it's a store card OP minimize store cards and just try to get higher limits on those cards, call and ask for a CLI, keep the good work!! Sent from my SM-N920C using Tapatalk
  11. bah amex don't like me.. can't get the 3x limit increase... I'm stuck at $2k for a year... too many inquiries.. that's BS... lol Sent from my SM-N920C using Tapatalk
  12. danm, a 12 years old thread resurrected.... that's a what I call a strong B* Sent from my SM-N920C using Tapatalk
  13. 695===> 693... Barclay's fico 715.. Oh well.. opened like 4 new accounts Sent from my SM-N920C using Tapatalk
  14. hmm.. I opened more than 5 CC in the last 2 years.. way more than that... got approved for the freedom, and the Hyatt.. ymmv.. maybe the Hyatt is cobranded but the freedom?. Sent from my SM-N920C using Tapatalk
  15. dude, your best mentor it's you. no one else. read on here you will soon realize what to do.. Sent from my SM-N920C using Tapatalk
  16. $2,500 annual fee.... I'm definitely closing my charge amex that has a $95 annual fee..... Sent from my SM-N920C using Tapatalk
  17. They have been reported to be very sensitive to inquiries. hmm ymmv. I applied with 8 new inquiries on EQ and approved, the scores in the 700s. again ymmv Sent from my SM-G925T using Tapatalk
  18. God, sorry to the OP. I also have a nephew just like that dude... he wanted me to open a cellphone account on my name, because he had to put $200 in deposit which he didn't had...I took him to the store and told the salesman he wanted to open a new account..on his name.. I paid the deposit and he got a brand new iPhone.. 2 months later his line was disconnected... and sent to collection... crazy.. Sent from my SM-G925T using Tapatalk
  19. this.. smells... like... Fish.... HJR 192 smells like Fish.... Nothing is free man... pay the debt you owe... Sent from my SM-G925T using Tapatalk
  20. true that, my wife has late student loans had a couple of collections and 2 charge offs... BOA and JCP.. when she applied and got approved for the BCP for 12k.. go figure.... but hey I'm not ungrateful, they let me in and *D me 15 years when I never had an amex before.... Guess I'll close the charge and keep the 2 CC. Sent from my SM-G925T using Tapatalk
  21. Why does that matter? Assess your cards based on how useful they are to you -- not on brand, "image", "prestige", etc.guess you missed that it was a sarcastic comment right?... I guess you're not getting the point... I have more than enough annual income and almost clean report.. (paid CO in 2010) they just won't show love.. example Cap1 it doesn't matter how many times I apply with them ( total of 5 times) they always shot me down... why? serious delinquencies and late payments... everytime is the same.. but maybe it's because I am AU on my wife's 2 Cap1 cards... Maybe? Sent from my SM-G925T using Tapatalk It will be a different story with clean reports. If you don't really like Amex, just decide whether or not you need the third D* card. There are plenty of Amex offers throughout the year though that should help you offset the AF. I like amex, they have good deals and offers, but can't take advantage of them with a 2k limit.. Guess I'll wait it out and see what happens.. besides they are the only one that make me giggle when I call and I get transferred to India and speak with a guy named Bryan or Scott can't beat that for sure. Sent from my SM-G925T using Tapatalk
  22. Current DCU rates are 1.74% up-to 65 months 2.74% up-to 72 months with scores of 730 and above. I got an auto loan with DCU @ 1.75% with a 670 fico. plus they take .25% off if you go with DD..which makes it 1.5%.... I don't think a bank can beat that... but again their CC are just chit... Sent from my SM-G925T using Tapatalk This changed last week. what changed the .25% reduction?.. hmm guess 1.74% for 65 months still pretty hard to beat... Sent from my SM-G925T using Tapatalk
  23. hmm always wanted to join them...should I...... I'm already member of like 4 maybe 5 or 6 CU.... Sent from my SM-G925T using Tapatalk They have the new Star Trek cards, if you're into that, but they're only available with the points card, and I wanted the Cash Rewards card, which is a 1% card, but becomes a 2% card after you spend $2,000 each year, so there's that. Mostly gonna be a util padder for me, though. Plus, it has a pretty nebula pic on it. hmm utilization padder... by any chance you're from Egypt?? Sent from my SM-G925T using Tapatalk
  24. hmm always wanted to join them... should I...... I'm already member of like 4 maybe 5 or 6 CU.... Sent from my SM-G925T using Tapatalk
  25. Current DCU rates are 1.74% up-to 65 months 2.74% up-to 72 months with scores of 730 and above. I got an auto loan with DCU @ 1.75% with a 670 fico. plus they take .25% off if you go with DD.. which makes it 1.5%.... I don't think a bank can beat that... but again their CC are just chit... Sent from my SM-G925T using Tapatalk
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