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Lander

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  1. Lander

    New website alert

  2. I wonder if this has anything to do with the snow?
  3. This concept is foreign in today's society. I think I am outraged
  4. Anything of value? Big discounts? Or nothing worth buying?
  5. My main question would be on the quality of their word. Meaning.. can we track that the CA of Portfolio or the other two (Midland and ?) actually do what they said they were going to do, and delete, once the leverage has been removed (individual pays.)
  6. Lander

    NFCU Qualification Question

    Hmmm... might need to take them up on that. The #2.
  7. Lander

    Is there such a thing as too many CCs?

    Very welcome. You're a tough cookie. Some of the more post-y members were giving you The Third Degree in the other thread, about Discover Fico 8 and if it is a FAKO (fake score, not consistent with reality and coming from Dimension X) or a FICO (Fair Isaac Corporation, they are to credit and lending models what Microsoft and Intel are to the personal computer world. upwards of 85% of lending decisions are based on their super secret proprietary model that has as of yet not been badge-engineered) and you did very well. Maybe you are The CB Pinball.
  8. Lander

    Is there such a thing as too many CCs?

    Happy for you
  9. Lander

    Is there such a thing as too many CCs?

    That would be a matter of inquiries. While inquiries generally do not matter, and you should generally not dispute them, there will always be a creditor or two (I believe it is Discover?) that will deny an application for too many recent credit inquiries or some similar thing.
  10. Lander

    Is there such a thing as too many CCs?

    Honestly, it likely depends on the individual situation. Everyone seems to have a slightly different answer for this question. The old op-ed advice given in Sunday papers and radio shows is always something like The ideal number of cards is two. Not to be confused between how many the average American has.. this is between three and four. Store cards that report to credit reports, loans, and actual CCs can mix things up on a credit file such that the number of cards may be unimportant. There is also age of credit to consider. There will always be an ornery lender that may say Available credit not fully utilized or some such nonsense reason in denying credit; however, smart advice tends to favor that the higher one's credit score, the more CCs that person likely has. If you are asking an actual number of cards, I do not know. I feel there is no one universal number answer on that question.
  11. Lander

    Collection agencies

    I would fight that, if it is not you then fire away! There is a specific method to dispute accounts that are not yours, rather than to get an auto-verify through E-OSCAR and then have them glued on for a very long time.
  12. Lander

    It's Friday! Lurkers check in!

    "Lander! What is life?" "To see thine enemies drivem before you. To hear the lamentations of their women, and to work and lurk. This is the true meaning of life." Of course, that is from Conan The Barbarian but to Lurk, this is life.
  13. Pay off the highest interest first, yes. Congrats!

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