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.


  • Content Count

  • Joined

  • Last visited

1 Follower

About Wildchilde36

  • Birthday March 1

Profile Information

  • Location

Recent Profile Visitors

369 profile views
  1. Thanks Y'all. Was just curious. Just figuring out how the balance drops been giving me a score drop. It will change soon I'm sure.
  2. Has anyone noticed a change in the way the bureaus are updating? Instead of doing it when something reports it's more like once a month? When you pay on something and the balance drops you get a score drop? For example, small zero interest (best buy) i use about once a year and always put something on the zero interest and let it roll out on a basic to give it a few months of payments. But you add an extra hundred to it and the balance drops. I take a hit of 5 on Tu, 6 on EQ and 2 on ex. But yet something that has had a balance drop of 700. does nothing to the score. Updating seems to have changed over the past few months to about once a month instead of when something reports. If goes as previous I will have to wait till after the 15th of the month or so to get another score change/update. Anyone else notice this??
  3. I agree but not sure how well they will listen. Personal loans are at a higher rate but would probably be a better option for them. I think the house may be financed through a local bank so a line of equity to pay off? There has been a friendly divorce and also wants to get the ex's name off the loan as i goes towards her debt to income, I think that may be the main motivation. suggestions? should I ask in the credit card forum? Thanks for the link, will read it now!
  4. A friend has been trying for a few months to refi w/ cash out with quicken. If he chooses to drop that due to constant changes of one thing or another..... Is that considered a conventional mortgage? Home equity? I as looking at navy fed and pen fed and it does not list mortgage w/ cash out as an option. His cash out is around 22K to get rid of credit card debt. Suggestions on how to advise? They are telling him his score is 670 (what quicken said) I'm sure s low because of the credit card debt.
  5. I am wanting to do a BT, currently have an offer from chase $0.00 BT through their credit (journey?). I have a citi 2% card $0.00 balance and was considering apping the simplicity. current fico's are 718,713,716 with current fico 8's at 698,699,717 (eq, tu, ex) 1 inquiry august? 2018 and a week ago from Chrysler. Any advice on choosing one over the other?
  6. Wildchilde36


    East Texas
  7. Here are the requirements for one of our current checkings. 2.25% APY* on balances up to $7,000 0.05% APY* on portion of balance over $7,000 Resulting in an APY between 2.25% to 0.19%, for example, on a $100,000 balance* 0.01% APY* if qualifications are not met Nationwide ATM fee refunds up to $25 per month* (up to $5 per transaction) No monthly service charge I am wanting to use this sort of like a savings. We currently have DH checks split between here and the CU where all our loans are. (never thought of doing more than two splits on the check) I keep 6k or so in the CU for bills but it draws close to 7 bucks a month. may not be much but more than what I had a better than a savings interest. This other account draws more but requires 10 transactions a month. I'm really considering the .44 candy bars at walmart for a sum of 4.40 deposit to cover that and let it roll. I am looking to maximize what I've got. I have about 10,500. that is going to be spent in a few weeks. planning on spreading that out between a couple new cards and 0% int for a year but the 11 or so I have I would like to let that earn just a bit of interest during that time. unless someone has a better idea? I know it's not going to be a lot but heck if ya save a few bucks it's more than what ya had before right?
  8. I'll check w/ my bank and see if they charge. Thanks!
  9. What's the easiest way to move your money from one account to the other without physically going between banks. Is there a favorite app you use? Do most just tie your accounts to PayPal?
  10. I probably should have apped for the amex business card. I would have more than likely not met the SUB BUT... it does give 5% back every month on cellphone bills. I was pulled in to the cash magnet today instead got a 10K approval, unsure of hard or soft pull or where. I doubt they would let me do the business card now but the phone bill would be the main bonus to it. heck even if it had a low limit 5% back on that is good. One more ?. I now have the 1.5% (cash magnet) DH has the Chase freedom and we both have the amex blue something no annual fees. Would it be better to on one of those cards maybe the 1.5% to add either one of us as a user to maximize the spending on one card? We are both wanting to sit on the cap ones and keep them for age purpose only. Should we both app for one more now and then lay low for a couple years?
  11. I am really really wanting to apply for the alliant card with the 2% cash back but unknown about how strict they are. we switched 4 of our loans to a credit union from a bank back in october and obviously navy federal did not like that at all when i applied there. Utterly ridiculous as we dropped our % by 2 or more on each loan we had and got a flat 2% on a toy. about to make a large purchase so i could meet the SUB on a few cards in september easy.
  12. My goal would be to have more available credit, although I don't really need or want credit cards to maximize score it's one of those things ya got to have. Learning that on here. If I am going to have one though I want to maximize the potential and get the most I can out of it. It's sad when a credit card or bank account can earn you more than a savings account. We don't ever get to travel/fly much seems too busy and mother lives with us so i'm not sure about a points card? I guess one could save the points indefinitely and use them later. I am still waiting on my amex to report a $0 balance. it's been 4 days so i may call them and see what's up. I missed putting in my scores earlier. They are EQ 705 TU 702 and EX 698. They should raise a bit once amex reports since the last balance was 2376? or close to that.

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