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Everything posted by SharpAsAMarble

  1. I'm a bit embarrassed to post my approvals; I went from "not app'ing for any new cards" to "I don't know what came over me" (I think I have turned into a credit w-h-o-r-e)!! Although, I WILL NOT app again until 2015! NFCU Cash Rewards 25K NFCU LOC 15K Barclay Arrival World Master Card 10K MCU Plat Visa 8.5K Capital One Venture 7.5K Amex BCE 2K - most excited *D to 1992! In 61 days I will request the 3x CLI Chase Freedom 2.5K - Foot in door! They have never liked me... took a recon to get this
  2. Dude or Dudette, I know you are trying to be helpful and I sincerely appreciate it. However, stick to the task at hand... are you here to fix your credit or learn how to strengthen your credit profile? Just Read! Focus Young Grasshopper!
  3. Cuz... I got a wallet and I like pizza Steve. Who else loves Multiplicity?
  4. Logged into my Amex account for the first time today (card isn't here yet) and to my delight, it states "Member since 1992". Here's to hoping the new card reports to the CRA's as a 1992 TL. If it does, I'll hug it, squeeze it, and call it "George".
  5. Thank you everyone for the wishes! I think they helped! Our offer was accepted and we are scheduled to close the first week of March!
  6. I listed individual income on my Amex app. I have read threads where people listed HHI. Should I call them in 6 months or so and change it to HHI in hopes for a larger limit on a CLI? I looked for a "Master HHI CC" or similar thread to see which cards actually allow HHI on apps (after the fact). I didn't find one with various search terms. Does one exist and I am just missing it? I'm done with apps but thought a "Master CC HHI" thread might be useful for others in the future. If you all think it would be useful/helpful, is there a CC guru willing to start one? I have an Amazon Pr
  7. I would think that no response would work in your favor, however I am certainly no expert with the SL's. I have had an easier time understanding CC issues than SL issues... IMO they have been the worst to deal with. I didn't have any luck with the Nelnet lates. I did however have luck with getting the incorrect reporting of all the other issues by disputing through the CRA's. So, now I just have the 3 loans showing those lates.
  8. You're house is gorgeous and looks quite roomy! The "devil" kitty does look like a sweet little angel under that tree..
  9. I suppose you're right Bob. I have never been in a position to do anything remotely comparable, but if I could, I do know it would make me happy to know I made a difference in someone's life. Funkie.. we have been busy and it feels so good. Thanks for the congrats on the house; I'm hoping the offer is accepted! Maybe your congrats is a sign it's going to happen.. one can hope. I / we do have a good boss, and I wish everyone could experience such. Believe it or not, when I first became an employee of his, I had mixed feelings; he bought our business. It was hard to let something
  10. I know! All of his employees from his various companies have nothing but great things to say about him... we always knew he was a wonderful person, but had no idea how big his heart was until now. Besides paying a mortgage on time every month, how can we ever express how grateful we are of him? A simple thank you card doesn't seem like enough.. any thoughts? I would invite them over for dinner, but I admit I am a terrible cook and it would probably gag them.
  11. I'll try and keep it brief... Exciting: The last couple weeks have been glorious! It all started when I posted a question about NFCU. Bob Wang (and other NFCU'ers) suggested we go for a CC and LOC with Navy. We both app'ed and were very pleased with the results; 21k & 25k Cash Rewards CC's and each received 15k LOC... two steps forward (more like four steps)! Thank you all for the suggestion! Knowing we would be iffy on a mortgage because Amex updated DH's CR to reflect a CO that happened years ago to the CO in Dec. 2013, our plan was to wait for 6 months to apply. Long stor
  12. Shucks! Well, looks like I will have to call one of my family members from Maine and have them join so I can get that referral.
  13. Going back over my paperwork regarding the judgment, I noticed on pages 1 & 2 of Affidavit and Request for Default and Default Judgment are stamped with "Received & Filed" with the name of the court and date. On the Entry of Default and Default Judgment By The Clerk page, it is signed and dated except where it states A true copy, Attest:, and it is not stamped with "Received & Filed". Am I correct in assuming; since the document wasn't already filed at the time the copies were made and sent to me, that it wouldn't have the stamp, and signature indicating it's a true copy?
  14. I don't think they recorded it. I searched the court database and couldn't find anything. The judgment creditor was the same bank so I will leave it be. It's only 3 months away. Thank you
  15. I will. Other than 1 small pd collection account and some SL lates (almost 2 yrs old), this is the last of the major baddies! Whoot!! Now to just get Amex to correct their major screw up on my hubby's report, we are in great shape for that mortgage!
  16. I have been debating on disputing a Voluntary Repo as obsolete which is due to fall off in April. I keep holding off because there was a judgement against me that never reported to the CRA's. I'm afraid the judgement may show up out of nowhere if I go messing around. The bank has faithfully updated my reports on the 4th of every month since I had the loan. I pulled my EQ today and happened to notice they didn't update this month, so I'm really itchy to go ahead and pull the trigger now. Am I worrying needlessly about the judgement if I dispute as obsolete?
  17. This "little" baddie is actually almost 8.5k. It would be WONDERFUL if we didn't have to pay it! It's the only thing standing in our way for a home loan because paying it back would take a large chunk of the downpayment away.
  18. Very nice Under500! We did apply for the NavChek (jointly for each account) and we each received a text saying it was approved. DH has the amount (25K) w/ "Approved" under check status of loan application. Mine still hasn't changed from "Conditionally Approved" from where I had to fax in our pay stubs and statement (although I received the approved text later). I'm dying to know what my line is! Maybe they will update tomorrow.
  19. OMG Echo_X!! I googled that because I had no idea what the Fox song was. LOL.. that would drive anyone bat$hit crazy!
  20. Not sure what goes on there... My updates were: 11/14, 11/16, 11/19, 11/27, 12/12 & 1/14 DH's updates were: 11/14, 11/19, 11/21 & 1/7 Each one of those dates had a change in score. Is it the change that triggers the update?
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