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JohnWilkers

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  1. Are you serious? Can you please elaborate. I am in AZ, I heard you have to pay a fee to connect to grid and the solar system can take 20+ years to pay off. Any link or tip will be appreciated.
  2. OP, I have done mortgages for many years. Without getting into the details and the reasons, your best option is to ask the loan officer to contact the underwriter and ask them to waive this closure conditions. AND you will pay these cards in FULL prior to COE and provide proof with paper trail. I am sure they will go for it.
  3. No to all of it, it is only $160 and I dont think DTI ratio will effect by much. Worst case scenario they will ask you to pay off the $160, which I dont forsee.
  4. Here is a reference point for new credit file. I was helping someone and these results are awesome. Dec, 2014 A friend immigrated to US. NO CREDIT ANYWHERE. Dec, 2014 opened a BOA checking account along with Secured Visa card with $1000 limit, added another $1500- Secured limit is $2500. Mar, 2015 Added my friend as an Authorized User on CITI card with a limit of $12,000, June, 2015 Applied for Discover (I know, I know) Unsecured limit of $1500, I was thinking of doing 16 day CLI trick, but loophole is now closed. June 2015 Applied for BOA Visa, limit $1500 Now here is a kicker received a AMEX gold PRG with 50,000 MR point offer, applied APPROVED online. Unbelievable AMEX Gold in 6 months. Going to deposit $10K in secured card BOA, we shall see if this becomes unsecured with that limit, (I think it is 6 or 9 months.) Now here is the next part, Chase... I think depositing $20,000 in Chase Checking and 30 days later ask for Freedom or CSP. Now all of this cannot be achieved without the wisdom of this community.
  5. I have this card and used it carefully for MS. $40K limit, and the best part is I have been using their lounge all over the world for free. It paid for itself with all the drinks I had at the airport lounge.
  6. I have a NASA Share Savings, for about 4 months. How should I go about attempting a soft pull only for their CC? Obviously I have to Unlock the EX. Thanks for any tips.
  7. The only score that you listed that is a real FICO is the TU 08 from Walmart. Ignore those others. They're about as useful as a horoscope. LOL
  8. I have gambled all over the world just to name a few. Nairobi, Stockholm, Monte Carlo, Atlantic City, Vegas, Mississippi,, big easy, Indian Reservation throughout the USA, Reno, Sydney, and recently in Cairo, Egypt... etc. I have been comped RFB and stayed in $10,000 a night suite at Caesars, limo picked us up etc. you get the drift. I had all of the rules, take money what I can lose etc. It catches up to you eventually and rules go out the window. I won $50k some nights. I currently have offers to stay at Plazzo and Caesars for free, when I enter they give me around $500 of free money to come and play, shows, food, airline tickets. Blah Blah. Most of you guys are expert in Credit, and I am a noob. BUT when it comes to casinos and gambling I am one of the authority. STAY AWAY FROM CASINOS. On the side note, Yesterday, I had an offer from Planet Hollywood for a concert, I like the artist and I wanted to see, what the offer was. Guess what as soon as I logged on the Total Reward site, the offer pops up for Total Reward visa, I knew it was a soft hit, I applied those bastards gave me $15k limit. They will try any way to get you in the door.

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