Jump to content


  • Content Count

  • Joined

  • Last visited

Recent Profile Visitors

311 profile views
  1. exactly 6 months since last pull.. +1000
  2. Thank you! Do I ask the dealer if they have access to CUDL or can I do a search for dealers in my area that use it? Turn around time on DCU depends on when u apply DW joined at 8pm online uploaded ID and utility bill had welcome email when we woke up so if u do it on the phone during business hours should go right through remember they are on eastern time i would do it early on a monday morning so they can process it quickly. Thank you! I'll wait until Monday!
  3. Within the next 6 months, I'm looking to purchase a car, As of today, My Fico's are 746 (EX via AMEX), 730 (TU via BofA) and 720 (EQ via Citi). I've decided I want to buy and not lease and am considering DCU for financing. I haven't come across better rates for used yet anywhere else so far. I'm still researching. I really want all of my scores above 750 to get the best rate I can. Question is, Should I join DCU now? Or wait until I decide on a specific car and place to buy. I know they are a HP but I was reading on their site I would need an account with them to get that rate, plus I'm not sure of turn around time to join. Also, I have another car and I don't want to trade it in, I don't think it's worth it, plus I owe less than 5g. My rate on that car is 6.85, so I want to get rid of that loan. Is there a way to roll it into a new loan with a new car? Thanks
  4. Put in San Diego navy league. Specify San Diego. Put in your new employment info. I funded my account over phone using debit card after approval. I think you can also mail a check. Sent from my SM-N900T using Tapatalk
  5. If you have a BT offer at 0% your debt goes up short term if there is a fee. Read the clarified post above. That doesn't mean you can't take advantage of 0% offers. It's for people to think about their decisions. There have been a lot of people complaining about denials and "all they have balances on are 0% cards." Ok. I was thinking of it wrong then. I'm sorry. See, I was thinking it made a difference in terms of overall utilization.. like it would be lower if you had, say moved the debt from a card that was at 80% util (0 %) to a new card that would make the amount on the new card 40% util.. (random examples).. but would also be increasing the amount of available credit, *That it would be a benefit to credit score and overall appearance if the person had to carry a balance... But what I'm taking away now is, it doesn't matter, in this type of scenario, it would be better to just keep it as is and pay it off in long run... Sent from my SM-N900T using Tapatalk
  6. Ok, I'm trying to understand... so if I have a card with CL of 3000, 2000 balance, but I have a card with CL of 10000 with a zero balance and a o % bt offer, it would lower my credit score plus increase my DTI and make me look bad to potential future creditors to take advantage of that offer?? Sent from my SM-N900T using Tapatalk
  7. I emailed everything... Sent from my SM-N900T using Tapatalk
  8. If a moderator comes in please delete this thread.. Thank you.
  9. I'm confused I'm asking if I should apply for this card. I'm pretty new, I feel like with all I have I should stop apping and let stuff age, but from what I've read, this is a good card to have in the prime vs subprime discussions. I'm also not sure if I would be approved with all my inquiries, the 1.8 yr avg range, basically a new thin file that seeking a lot of credit. So I posted what I have, my scores and amount of inquiries with hopes someone would have advice on my next best course... Sigh.. Nevermind. Is there a way to delete this thread?
  10. I recently got an Amex mail offer and I'm not sure if I should apply. I already have about 16 cards, during my rebuild phase and was about to garden, then I got this. My file is completely clean, I just Joined NFCU, I'm under 10 % utilization. But I have about 16 inquiries, my avg age is 1.8 yrs., 8 yrs is my oldest file and when I look at creditchecktotal, it has my negatives as seeking credit and age. I was planning on gardening when I got this in mail. I just opened 4 new credit lines in the past month. My scores as of today are EX 731 TU 734 EQ 728.... Any advice? Offer reads as 150 back on 500 spend. Blue Cash Everyday. There,s a RSVP Code and a APR listed of 17.49 after intro apr deal. 0 for 15 on BT and Purc Current cards, First 4 are within this last month, rest are less than 2 yrs old. NFCU GO 12,000 NFCU CLOC 15,000 Chase IHG 4000 BofA C$R 2000 PNC C$R 1500 Amazon Store 2900 Cap1 QS 8300 Cap1 ByPwr 1500 Citi Simp 4100 HomeDepot 500 Discover 2100 Barclay UPromise 1400 Sams Club Store 3600 SDFCU 500 Value City Furn. 1500 Lowes 12,000
  11. Can someone please help me understand the breakdown of what's better for rewards? Cash or Points? I have NFCU GoRewards which gives points and BofA Cash Rewards. Most likely I'll use the rewards for hotel stays this summer. I'm just trying to decide what will give me the better trade for hotel stays.. So what's the better value and how do you breakdown what points are actually "worth" vs cash. BofA 3% gas, 2% grocery and warehouse, 1% everywhere else.... NFCU 3pts Restaurants, 2pts gas and 1pt everywhere else. TIA
  12. Lostnspace


  13. +1 THIS! also definitely lose the ankle weights with walking and sprinting. You can do damage.. if you insist on weight, perhaps a vest? An equal spread around torso would be good! I use Naproxin regularly, it's prescribed, you should be ok! Sent from my SM-N900T using Tapatalk
  14. This is why I only encourage people to go the Enneffseeyou route when they have no better options. You wouldn't put up with this kind of incompetence and horrific service from a dry cleaner, a babysitter, your barber, a veterinarian, your landscaper, a maid, a dentist, an auto mechanic, a tax preparer, a flight attendant, a masseuse, a dog sitter, the checkout clerk at the grocery store, the local postmaster, your lawn service, a dermatologist, a lifeguard, an electrician, an attorney, a dog walker, your kid's pediatrician, an acupuncturist, or most shepherds. I don't think I saw his/her method. Your absolutely correct, which is why I most likely won't call back. I'm over it either way. However, As opposed to just saying "I'm having a crap experience, or they suck" .. I'm updating as detailed as possible because I know I appreciate when others give detailed experiences, and resolutions or lack thereof. Sent from my SM-N900T using Tapatalk
  15. Congrats! Please update your siggy! Thanks! Will do as soon as I'm at a computer! Sent from my SM-N900T using Tapatalk

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