Jump to content

darkhorseCA

Members
  • Content Count

    126
  • Joined

  • Last visited

  1. Thank you! Sent from my iPhone using Tapatalk
  2. Hi All, I’m wondering if it’s worth it/possible to Refi more than once? Ie if there are no fees from a credit union... Here are the details. My current loan is with Penfed 4.9% with a remaining balance of $16,850 (8 months already paid out of 60) I wanted to wait to bring my score up more, but NFCU has that $250 incentive to refi by May 31st. I wanted to wait to bring up my score more but this is an interesting offer. So, say NFCU approves me for something like 3.25% (Not the 1.99 that I ideally want) In theory, Could I take the refi and bonus, then refi 9-12 months later for 1.99% if that becomes available? Btw the vehicle: 2017 civic sedan ex w/sensing Sent from my iPhone using Tapatalk
  3. I could be wrong but I think you might have 5 business days or something like that to get another lender regardless (can anyone here confirm?) I got a loan from Honda and was able to get a better rate from penfed so I switched within the 5 day deadline. If you have this option, try to shop around now – PenFed gave me a great deal. Also try nfcu and dcu
  4. Great point. Thank you and thank you to all other posters. Sent from my iPhone using Tapatalk
  5. I’m looking to refinance my auto loan in a few months and after that apply for other products. I’ve often wondered if it’s better to join a CU in advance to build a relationship? Or better to give it more time for a better first impression on improved credit. Some of the CUs are considering are alliant, aspire and dcu. For example I know I can apply for an auto loan at dcu and know the offer/result before joining. But am I better off joining sooner to build a relationship to get a better rate/chance of approval? Thanks in advance Sent from my iPhone using Tapatalk
  6. I agree it's a good app, but it does not provide a score only your report. It also will give alerts for some changes to your file such as new accounts. If you establish a free account with them, you’ll get a regular update to your experian score. I get that. That’s my understanding.
  7. From Suffolk on LI. Now live in California Sent from my iPhone using Tapatalk
  8. Experian’s app is pretty user friendly. I believe You get a free monthly update on your score and report. Sent from my iPhone using Tapatalk
  9. I got a call from a place called "Premier Student Loans." They claim they are working with the Department of Ed and offer loans forgiveness. They claim they can bring my 125,000 in student loans down to a total of 10K in payments of $40 over ten years. They're saying the opportunity may end with the trump administration. Is this Valid? Can you help me figure out if this deal is credible and if there are any catches?
  10. Because the OP has comprehension problems. The OP wants to do what he/she wants to do (while ignoring our collective knowledge /experiences) and is looking for someone to hold he/she's hand and tell them it's ok. Kinda like MyFico? And the victim in them responds to my condensation with "My circumstances are a bit more specific and no advice is perfect for every situation." I told them to read again the Gen Mattis quotation, they missed the "Thanks to my reading, I have never been caught flat-footed by any situation, never at a loss for how any problem has been addressed (successfully or unsuccessfully) before. It doesn't give me all the answers, but it lights what is often a dark path ahead." So Darkhorse, run towards the dark path blind. But when you trip over an IED (or your shoelaces), don't snivel. Just saw this. You have issues. Keep it up. Sent from my iPhone using Tapatalk
  11. I hear you. I also may run a balance because I need to book some travel in advance and I may not be able to pay it off by the end of the 3rd cycle. I guess I'm worried they might hold it against me for running a balance.
  12. This is the kind of condescending remark that prevents an otherwise valuable message board like this from being a better resource. Of course I appreciate their advice. My circumstances are a bit more specific and no advice is perfect for every situation. There are a lot of decent people looking for answers on here. It can be frustrating when they split hairs or don't see things the way you do, but they shouldn't have to fear asking questions. If you're annoyed by my question/thread, don't respond. Don't waste your time or mine with these kind of responses. Drop the victim BS. You should read again the quote from Gen Mattis. Then read again your OP, and your victim response. If it hurts you too bad to think or read, I'll give you a nice cut/paste job when I'm on a real computer. No Victim BS here. We can have this convo on PM rather than publicly if you want to take it further. I stand by what I wrote.
  13. This is the kind of condescending remark that prevents an otherwise valuable message board like this from being a better resource. Of course I appreciate their advice. My circumstances are a bit more specific and no advice is perfect for every situation. There are a lot of decent people looking for answers on here. It can be frustrating when they split hairs or don't see things the way you do, but they shouldn't have to fear asking questions. If you're annoyed by my question/thread, don't respond. Don't waste your time or mine with these kind of responses.
  14. Hi All, I've read on this board that applying for a CLI on an NFCU credit card is general best after the 3rd cycle. I just completed my second cycle and I'm wondering if I should apply now since I just got my car loan finalized. My inquiries will hit my credit report and yes, I know most people on this board say they don't matter. But also, I'd like to do some balance transfer soon, and it would be nice to try for the CLI before hand. Thoughts?
  15. Is that worth it overall if I've still got a credit card with a much higher apr? Sent from my iPhone 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.
×
×
  • Create New...

Important Information

Guidelines