Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


genseeker

Members
  • Content Count

    3,959
  • Joined

  • Last visited

About genseeker

  • Birthday 03/13/1972

Profile Information

  • Location
    NC Mountains
  • Interests
    Writer of adult erotica - amazon.com/author/tdcrawls
  1. I'm still surprised myself I let another fanfic writing friend talk me into first writing fanfic smut and then taking the leap to Amazon. I refuse to let my family's potential embarrassment stop me from my dream of being a published writer. Hence the use of a pseudonym. I use my slightly mentally challenged kitty as my icon. shameless plug amazon.com/author/tdcrawls
  2. Confirmation my mortgage payment was received and applied. I pay online and every month they send me out a payment confirmation. I just file them away.
  3. Holidays are hard with my parents and grandparents gone and my siblings scattered so I stayed a homebody, doing small things around the house, like trying to decide on new paint colors. It's painted like a rental - mostly white. I still have my BK to fall off in Sept but I'm gonna try to get it off in March. Had to charge some of the closing costs and got those cards to pay down but I'm doing so much better now. I want to get a Lowes card eventually and I have 2 cards I will be shutting down soon. I have a very short list of cards I want to keep and that's all I plan to have. And my CU have me an unsecured LOC increase up to $3500 so I have funds avail if repairs come up. We have an agency that will weatherize the home for free and I'm on the schedule. Our power company is rolling out a plan where they give you new LED bulbs and install low flow faucets and similar things and it's free for everyone. So waiting on them to come out as well. It was funny the first time I cut the grass. I was grinning like crazy once I realized this was MY YARD, not someone else's and if I wanted a flower garden or to plant herbs in the front - I can.
  4. Been a while since I updated but that's because I have been settling into my NEW HOME I closed a 1000 sq ft, 3 bed 1 bath house with 0.43 acres on Sept 8, 2016. Mortgage & escrow is $100 month less than I paid for rent in the cr*p trailer I used to rent. 33 yr loan with a 2.875% rate USDA Direct loan I may have mentioned being robbed the end of July, which resulted in several credit cards stolen from my Sentry fire safe. While it's great to protect things in case of fire - it doesn't do much to deter an experienced thief. I carry both keys on my person and didn't even know the cards were gone for several days because the safe was locked when I checked it. On the plus side - Kohls got video of the person using my card so they cleared me on it, Capital One also cleared the charges. Every one of my companies was easy to get a replacement card. Still waiting for the trial of one of the the thieves, currently scheduled for Feb. As for the ones who actually broke in and took my laptop, tablet, DVD player, etc - they haven't been caught. One of them even came back to the property high as hell and waving a gun. I got a shed, set it up at my baby sister's house to store everything that wasn't already in storage and started bouncing between friends. My kitties were shut up indoors in a trailer a friend's grandmothers owns that is no longer habitable - kitchen and bath were torn apart for remodel and never fixed. I fenced in the entire back deck with chicken wire so the kitties can go outside safely. I really lucked up on this home though. The owner by title and her ex-husband (my brother) - both on mortgage - needed to sell quickly so she could try to buy the place she was renting. So I offered to pay off the loan - they did not know my approval. Loan approval came in high enough I was able to also cover most closing costs. Only hitch was mouse ex-SIL refused to pay the seller fee to RE agent for drawing up the papers. She threatened to walk unless I covered that $500 fee. I had no choice but to give in because I was in a temporary housing situation due to the robbery. http://i97.photobucket.com/albums/l238/genseeker/home.jpg http://i97.photobucket.com/albums/l238/genseeker/20161105_183545.jpg And while not directly credit related - I have also started publishing on Amazon under a pseudonym. So far I just have 1 story in an anthology but I am busy writing more works. My family is very shocked by the content, but hey - sex sells.
  5. Get a photo of the closed up former business location to include in your CFPB complaint. That'll help get it deleted cause how can they verify if the company doesn't exist. Could also try looking up state office that handles business registrations - see if they closed out with the state. Not sure what to call the office though.
  6. I sent it certified for tracking but no return receipt. With the CFPB complaint, I did upload a redacted copy of that page of my report to show that the address was invalid. Just black out any other accounts. I left all my account info for the collection. On the TU report, I sent it to show that they did not delete the account like they stated they had. I think it took more than 1 month before the account was finally removed from EQ & TU but it did go away.
  7. Only really helpful info I have found at MF is in the mortgage forum. Lots of info on USDA Direct loans over there.
  8. when I added my sons to mine, my card had over 3 yrs history. It showed the same open date for them as it did for me. That was almost a yr ago.
  9. Things are looking up even more. Approved for USDA Direct loan with estimated loan max of $85,000. My COE has been mailed out. The little home I found went through the foreclosure sale and USDA had the high (actually only) bid on March 18. Since then, the yard has been completely cleaned up, the house has been cleaned out and winterized. Stopped by to look the other day. Counters need cleaned and carpets are dirty but no trash anywhere. The LO hopes to have a value for me, and the title paperwork from the foreclosure ready by end of May. This little house looks even better for me since now I can see in all the windows. Small but well built of block, plain white walls, refrigerator is present but can't see if stove is there. Part of the back yard needs bush hogged cause it's overgrown so badly but no biggie. I know people who do landscaping and my brother can borrow whatever extra equipment he needs to clean it up. My son has been at Job Corp about a month now. He loves it. Made friends already and passed through orientation without needing any educational refresher time. So now he's in his trade - Facilities Maintenance - and already thinking about the advanced training. Misses me, Fidget (his rabbit) and home but I sent him a prepaid phone. Put his rabbit's picture as the background.
  10. Depends on your state if it costs of not. I'm in North Carolina and security freezes are free, even without a FA.
  11. The available credit, out of those 2 choices. However, my driving force in obtaining new credit was to build a profile that would increase my scores and show I can manage debt in a responsible manner, all so I can buy a house. I have a couple of cards I got mostly to help with utilization. Walmart because I do 90% of my shopping there. Pay with the card, push payment from my bank when I get home. Care Credit for the medical side - major dental work. I still want a Lowes card but not until after I get a house. I have 1 card I will close next year, if I do get a house this year, limit is not work the AF. My Cap1 was great to help me get started but once I get a house, I will probably see i I can get a better card. This one started as a partially secured card and got 1 increase. If I can get another card, I'll roll the current card limit into the new card. Fixed income so not a whole lot of use for rewards that require big spending. Instead, the Marvel card gives me CB on what I treat myself to the most - a night at the movies to see the latest Marvel related release.
  12. When you can access the stuff online, I find it to be changed within minutes. I have all 3 reports frozen due to recent identity theft, just extra protection even with the fraud alert. I set all my freezes online and it was active within minutes.
  13. You can maybe get a tax transcript from the IRS for 2011. When you do the request, you will see what years they have available. It will not show the actual W2 but will show all the line numbers and the data. https://www.irs.gov/Individuals/Get-Transcript As for the online tax program, with some of them, if you use the same login info, you can get a copy of prior year returns for a fee. Worth at least looking to see if that's possible.
  14. yeah, round here in redneck country podunk means small town. My entire county has a population under 70K with each of the 2 "big" towns having population under 5k each. And we have a "tiny" town (yes it has an actual mayor & it's own cop) with a population under 1K. For that town, think Mayberry, lol and same here as far as the cops doing anything. unless they were caught using the card, or I lost enough money for it to be felony theft by conversion - they won't take the time to do a report. take away too much time they spend chasing the meth makers around here. I miss the good ole days when the only drug we had to worry about was weed.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines