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About tiggerlgh

  • Birthday September 10
  1. tiggerlgh

    What to do for an account going to collections

    Can you get the phones back or have the people help pay for them?
  2. tiggerlgh

    do any of these things affect a house appraisal?

    It may be baked in. It could be he gave you some credit for the wall units and therefore only took off 3k for no central air vs $5k. This is just an example
  3. tiggerlgh

    do any of these things affect a house appraisal?

    C/A is central air he took off $3k because you don’t have it. Plus xxx is where he gave you credit for things.
  4. tiggerlgh

    Missing Statements From Hack Lead To Lates

    Yes, the minimum payment is my control, in case I accidentally miss an account . I go through and PIF all my accounts monthly. Either way there are very easy ways to prevent lates in this day and age.
  5. tiggerlgh

    effect on score if replace CC with heloc

    If you do it do not run your cards back up. You will be in a worse position than you are now. I am never a fan of converting unsecured debt to secured.
  6. tiggerlgh

    Missing Statements From Hack Lead To Lates

    Set up automatic minimum payments for all cards so this doesn’t happen again. Don’t rely on getting mailed statements.
  7. tiggerlgh

    how do you get rid of a lien from a defunct company?

    Did you ever pay off the HELOC? Either through payments or refi? If not it’s probably legit. Even if the debt is discharged in Bk the lien usually remains (there are exceptions to that but would be clear in the BK). I would reach out to the current lien holder to see what information they have.
  8. tiggerlgh

    From 10,5 % to 2.99 %

    No additional advice. Just hope you have the right insurance coverage.
  9. tiggerlgh

    Renting A Property: Owner In Pre-Foreclosure.

    I am not clear what you are asking or looking for. Your lease is separate from whether he is paying a mortgage or not. You have to keep paying or else he can evict you and you will have that on your record. The lease continues through foreclosure if it gets that far.
  10. Oh you pay for it! It will just be added to the rate. Doesn’t hurt looking at it though at this point.
  11. Still way too long. You are 4 years into the loan. So the loan you are looking at has a 4 year term? I still wouldn’t do it.
  12. I agree! I was trying to be nice to OP and not have them make their 7 year loan a 10. They are already passed paying it off in 3 years.
  13. Don’t forget tens the term and pay more interest. It’s not a smart move in the long run. Just work to pay it off ASAP. Good Luck. 7 years for a car is already a long time.
  14. You still are as you will pay less interest overall. If I am understanding they are applying your extra to future payments so you are now a few months ahead. That is normal for many auto servicers. I would do what they said either call after your payment on send in a separate check clearly for principal only. If checking your accounts I am surprised this wasn’t identified sooner.
  15. Aren’t bank account bonuses taxed whereas credit card bonuses are not? I could be wrong especially with the new tax laws but that may also be something to consider. You still come out ahead though.

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