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  1. There is some excellent advice in that forum as well, (I.E car mechanics politely saying you're a salamander if you buy this). Let's see what happens.
  2. It will even out, you have another installment loan. If the extra points are important (And in certain parts of the rebuilding process, I would consider so) get a shared secured loan. I had one for two years, and I got my wife one for about two years as well. Once her scores hit 760+ we paid it off. So much cheaper and more intelligent than a car loan. What is the fascination with car loans and people? I bought a 2002 Chevy S10 with 108k miles for $2k and later on a 2008 Toyota Corolla S with 156k for $3500 and not a problem at all with either. Oil changes, brakes, batteries, tires, etc. (Typical stuff, wow!) The Corolla still looks decent, the S10 has some work look to it (Paint in the bed, etc.) but both are tools and do what they need to do. Truck has almost 150k now. Not once let me down, done 800+ mile trips. Still worth more than I paid. They are (besides another co-worker who gets it, has a 2006 Mistubishi with 165k in the lot paid off) the oldest cards at my work, but I could give a ****** they are paid off and OURS unlike your new shiny lease. (fleece) And with all the CC miles and UR points/etc we've gotten, we've had like four? free trips (besides food, etc.) and they all wonder why we go on trips so often and how we afford it. Going to have another SUB done in a month. I'm not in the hegemony boat, but I started a lot later than him also. Most of it is because we don't have a stupid car payment (which means cheaper insurance, cheaper registration, etc.) Maybe one day the sheep will learn. /rant over
  3. Good day. My wife's friend/bridesmaid (B) (her age as well, 34ish, went to high school together) keeps doing broke people stuff. We've known her credit has been bad for a while, and even around a year ago we offered to make her an AU to help rebuild and look over her credit report, she passed. Now she's about to get evicted from her mom's house, having difficulty finding a new place (with bad credit, and now a possible eviction). She was proud and happy she got approved for a First Premier card on the phone today with my wife. I had to comment that was another bad decision, they are the scum of the earth, but she seems to not want to listen to anyone (Whatever, I'll do what I want!). She's had pay day loans, and keeps doing broke people stuff. She's had a BK before as well. She calls every day or at least every other day to rant how things aren't going well, but a lot of it is self destructive/bad decision behavior. I think I just wanted to rant, and curious if anyone else had a friend (30+) that would not listen to anyone either. Or if we are approaching this wrong and have other suggestions. Thanks.
  4. Hmm it's been May so let's see if I include everything since Citi Premier TY - 5k Citi AA - 4k>7k Sync Paypal 4k>7k>10k Discover -6k>9k EX FICO:722 P2 Cash Magnet - 8k CIP - 5k EX FICO:753 I had to remove P2 from a few of my AU's to get her under 5/24 - and then once that's done got the CIP - next SUB to work on. Hope you are all doing well and keeping it up!
  5. Hmm did they get rid of the edit button? (I see it now, probably times out after a time) Forgot to add - US Bank FlexPerks - auto increase 4k->6k
  6. Citi has denied me multiple times for usually BS reasons (Can't match your profile, too many inq's, etc.) They sent me a letter today "We recently discovered that we processed your request using incorrect criteria and you may have been declined in error." I applied again today for the AA Advantage - approved for - 4.2k Finally in with Citi!
  7. Maybe they've changed, I'm at 723 FICO and LOL/24 (I think i'm at 24/24 now) but do have previous relationship with WF.
  8. Matters what you are trying to do. https://s3.us-east-2.amazonaws.com/kevlarlover/Card+Recommendation+Flowchart+v11.html
  9. Saw the CSP in my "Your Offers" with Chase. Approved 17.5k LOL/24 (around 23)
  10. I just came to add my FAKO scores have gone up and down almost 40 points since January. My Experian FICO has moved two points since January.

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