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rslifkin

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Everything posted by rslifkin

  1. If i didnt know any better Id say that taking about this "DB method" is akin to playing Roulette with something in your signature photo. No offense to anyone, but AFAIK, this "method" is a GREAT way to draw ire from those that moderate this forum.. and involves the scam-like aspect of .. I am stopping there. This is not a good idea ot bring up. I have also heard it said that there is no DB method . /exitsthread
  2. Ouch, my stats are fairly close to yours. I was going to wait till July to apply, and apply for an auto refi at the same time. I'm not getting a warm and fuzzy from what I have been reading. It sounds like Jamie and the underwriters work for two different credit unions. She said 680 for auto approval, and DTI and util would be looked at on manual review. That doesn't appear to be the case. Apparently neither does the on pull for all products in a 45 day period.
  3. Hehe. salamander! I respectfully submit, in the spirit of this post: That said, and bakc to serious.. I no longer like Capital One. It seems they do things in a way that tinsults we in The Pursuit Of Credit Happyness. There seems to be a pretty consistent theme that Capital One are salamanders! <----------------- Thats all I have on this and this salamander no longer likes Capital One.
  4. Mr. ICAN quick Q for you.. My credit score is IMPROVING! Entering 600s! On both ends.. So, instead of pumping the brakes on that freight train, What shall I do if that CA (JDB, I forget) you helped me FOAD (late last year) pops back up, the zombie debt? It popped up in 2009 and again in 2010, and again last year - enter FOAD. Synopsis: Is past SOL, this is the Convergent/ER Solutions one we FOADed over PayPal, successfully. If they pop back up (and I saved the correspondence, , dunning, DVs, reply and green cards this time,) what do I do? They are NOT on my CRs. But they HAVE popped up 3
  5. I wanted to tell you that Jamie also has been top-notch and I too was denied for what I applied for.. I know ive joked about it several times but the underwriters and I have an unofficial plan going forward for a nice little Christmas present (as for me. I was denied for a credit produce too. Jamie had me full of a blaze of bravado.) But all that did is give me even MORE resolve going forward to do the right thing. I am contacting her now for the address to mail a check deposit to, either that or the Android app. I am sure they were sorry to see you go.
  6. Why would you want to get out of this CU? Do you not like it?
  7. +1. I am a walking encyclopedia of cars, and I too need to know EVERYTHING about them. I am partial to BMW myself. +1 to everything yo ujust said. And ill take a ZHP, please. .. though that may be juust outside the scope of CPO. Enter: Used. Private sale. I also want to point out that the dealership charging $100+ for that i could do in 20 minutes (30 at the most) and for ~$30 in lubricants and filters from Walmart (the go-to oil place) is... a problem for me. I have a Mark Zuckerberg in The Social Network complex about what some people do with their cars. Im the cash-buying, closet-fu
  8. 1. I could be wholly wrong here, but it seems to me you woul dhave been served if this was the case. 2. I have been down that road and this is not the correct way to look at that. Dont pay over the phone unless you dont want your money. if that is the case then ay first, ask no questions and congratulations you have accomplished your goal. 3. So you are sayign you have received one day notice of a legal case that you cannot locate by calling the county clerks or the Sheriffs themselves, multipl calls if you do not know what you are looking for? May I suggest to you this link http:/
  9. +1. I am a walking encyclopedia of cars, and I too need to know EVERYTHING about them. I am partial to BMW myself. +1 to everything yo ujust said. And ill take a ZHP, please. .. though that may be juust outside the scope of CPO. Enter: Used. Private sale. I also want to point out that the dealership charging $100+ for that i could do in 20 minutes (30 at the most) and for ~$30 in lubricants and filters from Walmart (the go-to oil place) is... a problem for me. I have a Mark Zuckerberg in The Social Network complex about what some people do with their cars. Im the cash-buying, closet-f
  10. Did they offer you a CLI to stay? How did the exchange with the CSR go? And I am sure they asked you reason for closing?... I am really on the fence about closing mine. I could pay mine off in the next week or so and then close it.. OR I could keep it and HOPE it grows with me, at 25% per CLI fee..
  11. $189 oil change? First thought is Porsche 911 or trim/edition variant there of (Carrera, or Turbo.) With its 3.2 now 3.6 (? I forgot, not into Porsches right now) Boxer 6 and 12 quart sump capacity like Audi's W12 engine, and Mobil 1 or better at every quart (Redline oil! ~$11 a quart) plus some maybe Bosch (?) filter on it.. It could be about that. Nice machine, the Porsche. Comfy too. But Vettes are faster. Fact. (I have proof for those that are unfamiliar. Sometimes not by much, but, sometimes much. Its a separate discussion. But its true.) Then again.. Not sure how thats th
  12. rohan, the assumption there would be that the CRA is verifying with LN. They may be getting it from somewhere other than LN. I know the information is very disjointed. I have a criminal conviction from.2006. In the "Criminal records" section of one report, nothing is listed. Same on another. In the 2008 Home Depot preemployment background check and 2006 gas station app that I forgot I put in, it is there (County records check.) Only stating this because it appeara inconsistent, and hardly complete (also says I have no public records.) Why they did not change a single thing and responde
  13. Not looking too good, but you can ask to speak to Mr. Pope in Underwriting since Jamie is a nice lady that dont know what she is talking about
  14. My bad breeze Id like to amend that to "Equifax Complete's Overseas CSRs."
  15. Someone suggested Commodore 64s.. Was that a home PC platform, or a game console? I think they got TRS-80s. And yes, the Indian dudes do come off as condescending. Some people have that quality.
  16. Well, whaddaya say whaddaya know.. I did NOT see Bon Jovi at the Pru center on this date...... BUT I DID return from visiting a friend that lives in a Boston suburb on this date! I am also not wasting an INQ on the stupid elves, however cute they may be. My EQ score is 543 thanks to them. (wasted EZ LOC INQ.) Jamie lied to me. She can call someone else about the cards.
  17. 03 Envoy XL here, 151,000 miles. Mega money owed on it. Same MPG as you.. I feel like there could be more legroom up front. Cars with best legroom ive had: 1989 Nissan 240SX, 1986 BMW 325es. Cars with best MPG: 1995 Ford Escort. 31.5MPG on my 2009 highway trip, average. Slowest car I ever had: 1988 Honda Civic CRX. Now, I am not most people, but.. Price of 89 Nissan: $300, ~$500 after window fixed. Cash. Ran until stolen. 86 BMW: $1000 money talks. Drove until stolen. Had some repairs needed. WELL worth them (agree CTSoxFan but you can get used not new with same logic.. Jus
  18. ..and hegemony produces the Visa/MC card agreement when he refuses to show ID for payment, bar promptly orders up another round ..then BW and R get inebriated while hege sips Dos Equis. Then the bar gets shut down for policy violations when Repairer gets home, then BobWang buys the bar. "Stay thirsty, my friends."™
  19. This could be limiting. My license is suspended, not,reinatated yet, im hot on its trail. but I have an ID not a DL at this time. So, there is no way for my average credit to be submitted to lenders for ~$3000 while my cosigner (who has valid license, should I be co-signer? Will it help us?) registers and insures it in NJ?.. Thank you
  20. please correct the application $1250
  21. Yep... wonder who will be the first GP. My money is on Ron, Lilyflower and Joseph C. In no particular order. .. What does GP mean? (General Population?)
  22. Chex is affirmative. Jamie has called me as well but I simply ignore the phone. I will call her when I am ready to speak to her. Its weird... them calling me. Making me think I did something wrong, or they are going to close my account or something. I dont like it. Jamie suckered into making me do an INQ when it was clear from underwriting that i wouldnt have gotten approved at this time.
  23. +1 When I decide to go for B*, I am using 1. USAA CCMP (have been for some time) w. MPM via EIDT 3. SCP. Not sure when i will go for B but when i decide to lay out the $ a month, I will leave EC alone. I have heard that EC causes C* as well. Different reports on this. I would use EC if I were you, it does help. No additonal C*? This is helpful
  24. +1 When I decide to go for B*, I am using 1. USAA CCMP (have been for some time) w. MPM via EIDT 3. SCP. Not sure when i will go for B but when i decide to lay out the $$ a month, I will leave EC alone. I have heard that EC causes C* as well. Different reports on this.
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