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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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  1. Cap1 will not unsecure until it's been open for a minimum of a year. Sent from my LG-M150 using Tapatalk
  2. tralston3838

    Letter from Collection Agency on SL

    Not all of them use that rule. They didn't for me. They would give me a number, and I would tell them I couldn't afford that. I owed around 80k, and my payment was 5 a month. So they do take income and expenses into consideration. YMMV. Sent from my LG-M150 using Tapatalk
  3. tralston3838

    Letter from Collection Agency on SL

    Just call them. Figure out how much you can afford a month and call them to set up rehab. They don't figure out a payment based on what you owe, but what you can afford. If you didn't co-sign the loan, it shouldn't show up on your report, ever. It probably won't show up on his since its been so long. However, it might once the rehab process is done, but it will show up as a new loan. Sent from my LG-M150 using Tapatalk
  4. Basically, you want positive tradeline, atleast 3 cards. You want to eventually have atleast 5 cards for best scores. As long as you stayaway from cards like credit one and first premier, you should be good. While QS1 isn't the best out there, it's still not a bad one to go with. Let it grow, and PC it to something else later. Sent from my LG-M150 using Tapatalk
  5. tralston3838

    shifter's Rebuilding Thread

    They will also give you a CLI with a maxed out card, but not give you one if you PIF each month. Sent from my LG-M150 using Tapatalk
  6. tralston3838

    Student Loans mid-Rehab

    Congrats! You're on the right path. Of you have no income, you can contact GL about getting on an IBR payment plan paying 0 a month. They should also let you know when you have to fill out the paperwork to "renew" the payment plan. Usually, once a year. This will also give you some piece of mind while trying to get the SSI and such to go through. I would give it another month or so before disputing Navient. If it's still showing on your reports at that time, post what it says on your CR (personal info omitted), so we can offer suggestions on how to dispute it. Sent from my LG-M150 using Tapatalk
  7. tralston3838

    Letter from Collection Agency on SL

    Who is the collection agency? Are you sure it was a federally backed student loan? To be sure, check the nslds site. If it's listed on the site, contact the servicer listed on the site, and get into a rehab program. If its not on the site, then it's private, and would probably be past the SOL. The reason I'm suggesting to check the site, is I've had numerous student loans, both federal and private, default. While they can balloon quickly, those kind of fees seem really high compared to the original balance. Also, the federal gov't is getting away from using collection agencies. At most, you spend a little bit of time making sure a debt that high should be paid. Sent from my LG-M150 using Tapatalk
  8. It's 6 months from the date of opening. QS1 is a good rebuilder card. It's unsecured. Used responsibly, you can request a cli after 90 days. At 6 months, they'll give another cli. Mine started at only $300, but I was shocked I was even approved. Sent from my LG-M150 using Tapatalk
  9. tralston3838

    discover auto CLI

    Sometimes, it depends on the issuer. Sometimes, there's no rhyme or reason. Sent from my LG-M150 using Tapatalk
  10. tralston3838

    I lost the ability to defer my loans after consolidation

    It very well might be something new. I consolidated two loans in '06, and I had just as much forbearance and deferments as before. If you have none left, have you tried getting on an Income Based Repayment plan? Your payments could be 0, and you won't have to worry about deferments. Sent from my LG-M150 using Tapatalk
  11. tralston3838

    I Don't Know Where To Start...

    Premier and credit one should be the first to go. Horrible cards that will stick you with stupid fees, and high interest. However, unless you get the balances on all your cards down, might be worth it to keep them for the moment to help with utilization. Sent from my LG-M150 using Tapatalk
  12. I use a reloadable gift card, signed up on the Starbucks site, and get 2 stars for every dollar I spend using that card. From being a member, I also bought a drink on a certain day, and got gold status. That's still spending over 60 just to get a free drink. Sent from my LG-M150 using Tapatalk
  13. tralston3838

    Student loans with navient

    Yes. Income based repayment plan. Go to studentloans.gov. You will be able to see all of your options on there, and how much your payments will be with each option. Also, once you have set up your ID on there, you will be able to keep track of your loans on the nslds.gov site. Sent from my LG-M150 using Tapatalk
  14. tralston3838

    Some of my loans defaulted while in forbearance?

    Call your loan servicer, and find out what happened. Maybe your forbearance didn't go through for some reason. Sent from my LG-M150 using Tapatalk
  15. tralston3838

    Student loans with navient

    Hello. Are they private or federal loans? There are options for either. Sent from my LG-M150 using Tapatalk

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