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Michael36inga

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  1. Thanks for the advice everyone. CV, I plan to look at a few mortgage options and see which one works best. I took the offer from Amex and it looks like it is going to work out good after doing some DTI calculations.
  2. Not sure, haven't talked to NFCU yet. Looking at a VA mortgage, which I know have different requirements when it comes to scores. 620 is minimum I believe. Basically just wondering if its worth it to take a loan that will elliminate the credit card debt/utilization and auto payments leaving me with one payment and potentially increasing my mortgage scores. Do I just keep plugging away and move remaining balance to other CC before interest hits? Might be to tough to tell, and I'm thinking a bank doesnt want to see a new installment loan a few months prior to a mortgage.
  3. On PRA collection for 1,600 out of SOL, have tried everything to get this thing removed. Staying on report until 2020. A couple old lates on auto from 2013, tried GW numerous times with no luck.
  4. Mortgage FICOs are 698/699/684(hasnt updated yet with removed chargeoff), so after update my middle score will still be 698
  5. I requested the advice from the "smart" folks, not the "smartass" folks
  6. Looking for some advice from you smart folks .....I plan on applying for a our first mortgage in the next few months and I am looking for the best scenario that will give me the chances of increasing my mortgage ficos. Current situation NFCU CC Balance 13,100 / 43% UTI / 30,500 CL / 0% interest for 2 more months and then 12% interest NFCU CC Balance 4,700 / 19% UTI / 25,000 CL / 0% interest for 10 more months and then 14% interest Cap One Balance 0 / 8,200 CL Discover Balance 0 / 2,900 CL BOA Balance 0 / 14,000 CL Chase Balance 0 / 4,000 CL FNBO Balance 0 / 3,500 CL All other CCs/storecards are 0 Balance with a total of about 100K available credit Installment Loans Auto 1 Balance 5,990 / 7% interest / about 10 payments left Auto 2 Balance 3,512 / 12% interest / about 8 payments left I can take an Amex Loan with a max APR of 8.98% and pay off all balances leaving me with no CC debt and just one installment loan or I can just continue to make large payments on the NFCU CC and transfer the remaining balance between some other CCs and pay the 3% transfer fee. I know with opening a new loan I am going to take a hit on the new account for my AAOA and for the new large loan balance, but should fair ok with a decrease in CC utilization. Thoughts?
  7. Synchrony is awesome!! Not only have they given me retroactive SCRA benefits on all my Synchrony accounts. This was a paid charge off that they removed recently after I sent a GW email, so the refund amount was for all the late fees and increased interest over the years. AmEx does the same as well as Chase. Yeah, I reaped the rewards of the Amex Plat, Chase, Discover and Cap One...it has been nice.
  8. Synchrony is awesome!! Not only have they given me retroactive SCRA benefits on all my Synchrony accounts. This was a paid charge off that they removed recently after I sent a GW email, so the refund amount was for all the late fees and increased interest over the years.
  9. I think it might be retroactive SCRA benefits on my Amazon account that was closed last year, will find out when I call.
  10. Yeah, I didn't plan on it until contacting Synchrony.... funny thing is I'm pretty sure Exxonmobil is not Synchrony, maybe in the past... number listed to call is Synchrony number... wierd situation.
  11. Strangest thing, received a check today from Synchrony for an overpaid account that I have no idea about. Its for a few thousand dollars and made out to me with my address. It says its for an exxonmobil account, which I don't have, but the last four account numbers it is showing is my old amazon account. Very strange...
  12. You are all pretty!!!😂😂😂
  13. Lowes Card CL 4500 requested 25K countered with 17K.
  14. Bank of America Cash Rewards 7K to 14K, wonder if I should have asked for more....ughhh

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