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blamed

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  1. Thanks for all of the answers guys, this is a business gold amex.
  2. So i was approved for the AMEX gold which is a spend 5k in 3 months and get 50k points offer. I didn't really like to put any personal charges on my business cards so i decided to come on here and ask to see what is the best way to MS amex since this is my first card with them. What would be the easiest way to reach that minimum? Thanks guys.
  3. Yep, Boeing beats them all i just rather have one pull my squeeky clean EQ for a prime rate.
  4. I had already seen that, unfortunately Wings CU is all EX and not EQ....
  5. So i want to refinance my used boat loan that i have with penfed with someone that has better prime rates. I would prefer an EQ only lender since my EQ sits over a 742, TU is second being at 724 but i rather use EQ. What are some EQ CU's that offer good low APR boat loans? best contender so far is Boing pulling my TU with a 4.74%, PenFed's prime rates are 7.25%... the only thing stopping me is that in my TU shows a 6 year old charge off from macys with a balance of 1800, and another charge off from Jared Jewelers showing a $0 balance, both are closed accounts but still show and i wouldn't
  6. Those are FICO, i got the TU from my Barclaycard, my EX from SCCU and my EQ from PenFed. I was doing some re search last night and i saw some of your replies to similar subjects saying to NEVER get a mortgage with a CU? Would you please care to let me know why you think that? I thought of going with NFCU since they offer FHA loans, but i have had PenFed for a few years and also have a good relationship with them including a vehicle loan and a used boat loan which always get paid from the business checking account. Which leads me into my most important question, if my work truck l
  7. So i have been cleaning my reports the best i could, my EX is the lowest score being 660, TU is at 719 and my EQ is at 740. I was thinking of maybe doing an FHA loan through NFCU or maybe do the 3% down conventional loan through PenFed. I'm also aware that some private lenders are available but i didn't know which way to basically go? How do i determine who to file my app with? Any help would be greatly appreciated, the least i want to do is end up with 3-4 hard pulls from different places.
  8. Some great things to consider on here. But as i read the back of the actual form it does state that the debt was "forgiven, cancelled" why would a CRA still report a debt that was cancelled or forgiven? I was getting ready to apply for a mortgage within a few months here, maybe 1-2 months i was getting ready to apply. Should i get the 2 bureaus that show this negative tradeline to report it to 0.00 or leave it as is? Currently the balance being reported by the OC in the 2 CRA's doesn't even match the original balance.
  9. So today as i got my mail i opened a letter that was a 1099-c from Macy's which was updating and damaging 2 of my reports monthly. They are currently reporting that i owe $1890 in EX and TU monthly, yet the 1099-c says $1430 was forgiven. Will the negative trade line fall off my report automatically? Would i have to dispute it with TU and EX as incorrect balance? Can i show the CRA's the 1099-c? Sorry for all the questions but this has been the only trade line that has been damaging those 2 bureaus and i can't wait for it to come off. What are my options? Thanks.
  10. So i'm setting up to apply for my first ever Mortgage by no later than April 13th. Currently i have a total of $52,000 of trade lines available. I owe about $2,700 on my $20,000 PenFed Rewards only, all other cards are at 0 balance. Before i apply for my first ever mortgage, would i have to pay that PenFed card down to 0 balance as well to help my odds? Or basically as long as i keep my utilization under 7% would that be ok? My last pull from EQ that was a soft from paypal credit was around a 718, i will most likely be doing FHA.
  11. To think $40,000-$45,000 down payment is necessary for me to ever own an apartment in Florida seems out of this world, i guess i'll be renting for ever until i finish paying student loans, maybe when i'm 50 i can own something lol.
  12. What ever happened to the 3%-5% down payment for first time buyers? Dang, 20% even for a first time homebuyer? I keep getting told i can take advantage of the 3%-5% down payment since it will be my first time. That was one of my concerns, i didn't know wether to use a private lender or go through one of my credit unions which i have personal lines of credits with, credit cards and auto loan. You can put down very little, it'll just cost you a fortune in extra interest over the life of the loan, plus you get to pay for mortgage insurance every month. You decide who is taking ad
  13. What ever happened to the 3%-5% down payment for first time buyers? Dang, 20% even for a first time homebuyer? I keep getting told i can take advantage of the 3%-5% down payment since it will be my first time. That was one of my concerns, i didn't know wether to use a private lender or go through one of my credit unions which i have personal lines of credits with, credit cards and auto loan.
  14. So in about 4 months my rented apartment will come to an end, i have been here for 2 years and i don't plan to renew due to their outrageous prices. This month i paid $1665 of rent and the apartment is nothing out of this world, the crime in the area is one of the worse. I'm ready to get the hell out of this hole. I was thinking of perhaps buying my first ever home, or maybe even another apartment. What would be my starting point to get all my ducks lined up in a row? I have never purchased before. I am a member of PenFed as well as NFCU.
  15. You do have a point, i wish you would have replied a little sooner. It's been a while and i haven't heard back from anyone yet.
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