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About cloudsoflove

  • Birthday 10/04/1975

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    I love tennis, UGA football, spending time with my kids and my significant other who is the love of my life but took me late in life to find him after getting out of bad domestic violence situation. Now I am an advocate for DV victims and I am creating a website so those that need answers or just support has a private place to reach out to others that know what they are going through and how they feel.
  1. Probably about 7- 9 medical collections most are.over 5 or 6 years old actually. Thus wondering to apply or hold off.
  2. I have zero credit cards. I am just now cleaning up addresses this week. I did a lot of reading here but had to stop be because I received a promotion a d literally worked 6days a week from 930am until around 1130pm in the restaurant business. So needless to say when I had time I slept and just relaxed. I took a step down from working so much and now can clean up my reports. Most is medical stuff that I plan to us whychat's method for that. I have my car reporting on time never late and I am one year in on my loan. So today I get a application from Discover It to apply for their c
  3. I am calling today...error says no report on file but I did get a score on CCT but no reports of anything, grrrrrr
  4. I went to Myfico.com and they gave me an error and asked if a mail in a request. Went through annual credit repirt....same story..system issues, download a formonth and mail it in. CREDIT CHECK TOTAL gave me a score eon each but nothing else unless I did it wrong. CREDITKARMA is also giving me issues. How can I view reports and what is on those reports? I am trying to get started to clean up. The reports ingot show to new around 550 which is crazy seeing how I pay a car payment on time since Augustand most my stuff should have fallen off. I have a big feeling it has been reaged
  5. They will update your report as a repossession. Not sure what you are wanting them to do they won't just not report anything. The repo will be on your report soon enough. Which from what I've read is a beast. ☁CloudsofLove☁
  6. Personally I wouldn't worry about paying old debt off at this point. I would read lots and start the psychdoc transcripts for invaluable information. Just my pennies for thought from another newbie. ☁Cloudsoflove☁
  7. Why wouldn't the OP just call the bank and get a deferred payment? Asking doesn't hurt. I read all 13pages and they kept skipping over that question.... A simple question could help them for a month to take that 2k plus payment to use to good use elsewhere. I use to live in a 3 storey home with same close square footage and my utility were no where near 1k. Ouch! And I ran ac like crazy due surgery menopause at 32! They could have gotten oit if they would listen to the experts here trying to help instead of excuse after excuse on this thread. Yes like someone said they probably will have
  8. I was able to get 12% @ 36 months with $1500 down.....
  9. No warranty but price compared to all those you named above is a Great deal with the price... I am in sales so I did haggle with them a good bit on it to get down to my liking. Full coverage is ready to go if I buy and I plan to go by this evening once off work. And I plan to drive for a year or two and then give to my daughter who will then be turning 18 and going to college.
  10. I had a mechanic look at it and said it was good to go....And yes Honda's last forever...and it is a very nice car. I just was making sure it was ok to buy even with the accident showing. The mechanic said he could see no reason I should not buy the car everything looked great.
  11. I am new and wanted to get advice. I am starting to repair my credit and will do a post about that later. I am in need of a car. A car dealer that is a Honda dealership in town and well known as a family dealership has a 2010 Honda Accord 2.4 Manual for $10,800. I have talked them down and approved for the load with $1500 down. My issue is the car fax shows one owner, shows car has been serviced every time it was suppose to and has 76K miles on it. But there was a accident in August 2014....but it seems to only have been a fender bender with no air bag delployment. I am 40 and ha
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