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About momofjs

  • Birthday 07/07/1962
  1. Finished my Cap 1 Credit Steps program this month. Was expecting to go from $1,000 to $1,500, but they liked me (they really liked me!) and bumped me to $3,000! Yay!
  2. It does (a lot!). Thanks very much!
  3. Yeah, I was wondering the same thing. The actual "debt" term is for less than a year (I thought that was a factor in determining debt). The only thing is that it shows up on my paystubs that I'm sending money to my savings account each pay period, which will probably lead to questions by the lender.
  4. I'm looking to try to purchase a home in 2015 and I had a question about the debt ratios. My kids attend private school and I pay their tuition on a monthly basis for 10 months of the year. My kids are in 6th and 9th grades, so I'll have this arrangement for quite a few more years. I have the money for these payments sent directly from my paycheck to a separate account set up specifically for that purpose. My question is this: will these payments count against my debt-to-income ratios (front end/back end)? We live in Texas, if it makes any difference. Thanks very much for your assistance.
  5. Myfico has my scores at the 650 to 680 range. Also my utl is about 26% (which prob affected the stupid limit they gave me). The highest limit on any one of my cards is $4,000. My new goal for 2015 is to get all of my limits up into the $5,000 + range.
  6. So did I!! The only thing I can think is that maybe the balance was much smaller than I remember (or it just was a much bigger portion of my income, then). Far be it for me to question the all-powerful credit decisions of AMEX (especially when they go my way!).
  7. My oldest account is 3.5 years old, but I have been rebuilding and have opened quite a few accounts during the past year, so my average age of open accounts is pretty short (around 1 year). With the AMEX I'll have 6 credit cards, 5 store cards (yeah, I know), 1 car loan and 4 Parent Plus loans (2 deferred).
  8. One of my goals for 2015 was to get back in good with AMEX because I had messed up with them and had a green card CO years ago when I was getting married and we were saddled with wedding bills (no excuse, I know). Kinda thought I would never see my name on an AMEX card ever again. But I pulled the trigger last night and was approved for an AMEX Delta Gold. Stupid limit, but it’s all good, I was happy. I logged in last night and checked out my new card with a "Member Since 2014" shown. Tonight, tho, my world was rocked when I logged in and saw that my member since date was changed to: (dat-dat-da-dah): 1990!! Whoop-whoop!! I gots me a little D*, y'all!! I had read about it happening on CB, but I never thought it would actually happen to me. I'm usually not that lucky. I'm doing the happy dance!!
  9. momofjs

    2015 Goals

    12 straight monts of below 10% util Get back in good with AMEX Build up to the 5 figure limits on my cards (may stretch that one into 2016) Check out NASA's 100%, no PMI mortgage.
  10. I opened a new credit card that is now showing on all three CRs. I've not even received the first statement for this card, but EX has me as having made the first on time pymnt. Is this normal? I checked some of my other payment histories and it seems that EX is always reporting one month ahead. Or are EX and TU just behind? As I said, I'm confused. Would it make any difference in my scores? Any insight would be appreciated. Thanks!
  11. Good to know. My Discover card just came today. So, I'll know not to look for it for a while. Thanks!
  12. I saw this one and actually applied and they took $350 from my checking account. I immediately began getting emails and phone calls saying that they needed to "speak with me" about my account. When I called them, they told me that their records showed that I had a charge off to some other bank (I think it was First National Bank of Marin) who they used to be, and "would I like to take care of that balance please so that they could issue my card?" I said no, thank you and please give me my $350 back (thinking that I could kiss it goodbye). Surprisingly they did so I guess I dodged a bullet.

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