Jump to content

nyquil556

Members
  • Content count

    82
  • Joined

  • Last visited

Recent Profile Visitors

103 profile views
  1. This is turning into an episode of "Judge Judy". Just because they rubbed you the wrong way doesn't mean that they aren't entitle to placing a lien on the title. Do what you want to do but if you were in their situation you would want the title. Sent from my SM-N950U using Tapatalk
  2. I would go ahead and send them the title assuming you are authorized to do so. Sent from my SM-N950U using Tapatalk
  3. nyquil556

    Major LUV from NFCU - Auto & GoRewards CC

    Awesome.! Sent from my SM-N950U using Tapatalk
  4. nyquil556

    NFCU reported late on CR, question on removal?

    First of all, tell her to put all of your cards on some sort of auto pay so that she won't miss minimum payments. A good will letter may work for navyfed. I would make sure she pays them early the month she sends the GW letter. A more important issue is that she may be over her head in debt. If she is willing, I would counsel her on how insidious debt is and how our system makes money on people with low credit scores. Good luck. Sent from my SM-N950U using Tapatalk
  5. nyquil556

    Wage garnishment question

    The fact that the money was stolen, while unfortunate, has nothing to do with her owning the money. It sounds to me like the statue of limitations argument is one you can win. However, my gut is sensing that she received a judgement a long time ago and the notice of service you are referencing was related to the garnishment. Lawyers doubt usually sue for debts that old. Good luck either way and remember if it turns out the debt is owed try to negotiate a discount/payment plan or consider a chapter 7. Sent from my SM-N950U using Tapatalk
  6. Congrats and I like your list of rules[emoji1303] Sent from my SM-N950U using Tapatalk
  7. nyquil556

    Credit One Bank - How bad is it really?

    Stay positive Stellarcredit. We are not here to judge and keep grinding. Be aggressive with repairing your credit. Sent from my SM-N950U using Tapatalk
  8. nyquil556

    How come you have to pay back 401k

    It is all a way for the government to collect as many fees as possible from you. I like the 401k but paying a fee for not repaying a loan to yourself is crazy. So, you are correct and questioning this this withdrawal fee is not crazy Sent from my SM-N950U using Tapatalk
  9. Have you tried the basic DV letters yet? If they are small collections they may feel like its not worth the effort. Good luck either way. Sent from my SM-N950U using Tapatalk
  10. Get those collections off of your reports. It sounds like you are almost awesome. Work on those collections asap. Sent from my SM-N950U using Tapatalk
  11. nyquil556

    Credit One Bank - How bad is it really?

    Keep the credit one card for now. You need it for credit utilization. Get rid of all of your subprime cards on your next leg up. I haven't seen evidence that proves subprime cards listed on your credit reports effect approval algorithms one way or another. You've got enough cards for now. Work on CLI's and consider getting an installment loan and find a friend/family member that will make you an AU on a card with a long history credit history and high limit. Assuming your FICO's are in the 700's, try to get into navyfed. I've seen people recently get approved for 20k+ with a young history and cards like yours. These people did have at least one installment loan, 3 cc's and FICO's above 700. You are doing well. Think positive and be grateful for what you have accomplished. Sent from my SM-N950U using Tapatalk
  12. nyquil556

    BofA 99/500 secured - should I bother?

    For now you need FH. You can dump it your next series CLI. Your cards are good. Just work on FICO and then get increases. Heck, if you can get your score up enough navyfed will boost you to 10k+. Put your cards on auto pay so that you dont accidentally miss a payment. Good luck. Sent from my SM-N950U using Tapatalk
  13. nyquil556

    BofA 99/500 secured - should I bother?

    I would go ahead and get bofa since you already did the inquiry. You don't need any more new cards. I would work on your FICO and then go for credit line increases with your current cards. You have a nice mix as it is and you are almost there. Keep grinding and good luck. Sent from my SM-N950U using Tapatalk
  14. nyquil556

    Lates, eventual repo, cosigner

    I'm not here to pass judgment, but it sounds like they have more serious problems than getting a car loan. Did they lose their job or experience some sort of disruption of their income? The answer is yes they can get approved if they have a cosigner. However, I would never recommend someone cosign a loan for that person without understanding why they didn't or couldn't pay their previous loan. Also, I don't believe in consigning anymore. I tell people who want to cosign for others to just buy the person the car and have them pay the monthly to the person (no cosigner) on the loan. This way the proposed cosigner doesn't have to worry about none payment affecting their credit and they can take the car back at anytime. I hope this helps. Good luck Sent from my SM-N950U using Tapatalk
  15. nyquil556

    Plan to Upgrade Credit Card Quality to Premier Cards

    Why are your scores so low? Do you have collections or are you lacking an installment account? Sent from my SM-N950U 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.
×

Important Information

Guidelines