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Everything posted by Jen23514

  1. HI Breezey - Been awhile! <3 <3 <3 CB still.
  2. The General Discussion board used to be "lively" - which was a good break from the tedium and waiting of credit repair.
  3. Where do you go in the mall to get these cards? I don't go to the mall much but I am shocked by how much that I've been missing out on. guest services. Also, sometimes certain shopping areas (like downtown YOURCITY) will have gift cards you can buy for any merchant in the area. Usually small, locally owned restaurants and shops, but if you shop there.... why not?
  4. good news is that you'll have the TDCA on your side. fwiw, the company did try to serve me but since I instructed UPS not to receive/sign certified mail and I worked for myself.... they couldn't find me (or didn't try very hard). I don't recommend this as a strategy, but it was a nice byproduct and bought me a little time until I could deal with the zombie-debt-buying-SOBs on my own terms/time. YMMV.
  5. is it SOL? are you in NJ as well? are these the last baddies on your report?
  6. Thanks, that was bugging me but I didn't post about it. "Mines" used this way is one of my biggest pet peeves, along with "irregardless" and "Valentime's Day" and some of us have pet peeves about people quoting large posts without it adding to their quality of their response
  7. This. When I started on this forum, a GAP or Target card would have been my baby step up to credit worthiness.
  8. just a thought since you're moving and your credit may not be 100% clean..... What I did was forward my mail to a UPS box (like $90/quarter or something). Had ALL my mail sent there while I was in credit cleaning process.. When it was clean, I applied for the cards I wanted with that address so that was the address on my credit report, then closed the box and gave only those who needed to know my address. (I had the box for about 18mos). With tracing companies, I'm sure my new address isn't private (thank you utility companies), but it was nice to know everything coming to my new house was part of the clean start. I'm not sure my strategy had much to do with with cleaning my credit, but was good mentally. Since I only picked up my mail 1-2x/week, it was less stressful than having notices build up next to door. Also, there was one acount back in the day I was worried about serving me, and the box I thought might slow them down..... but can neither confirm nor deny that.... whatever works for you
  9. Another way to double dip cash back is through fatwallet. I buy almost everything online (including amazon pantry purchases! ) By doing so thru fat wallet, not only do I earn points and/or cash back on my cards, I earn cash back thru FW. I average between $35-80 per month depending on purchases. http://www.fatwallet.com/?referral=jjjenks That is a referral link fwiw, but doesn't negate how awesome using that site for extra cash back has been for me. Even for work travel, I find booking hotels thru there and of course paying with my personal card for reimbursement can really add up the cash back per month (not accounted for in the above averages). whatever works...
  10. I must be slipping, I didn't make the list. Hi jack! no, we just try to forget
  11. That's why I've been gone so long..... I've been reading
  12. https://creditboards.com/forums/index.php?showtopic=425508&p=4046776
  13. I only skimmed the thread.... Have you used the TDCA? (texas debt collection act)
  14. 1. read the board. 2. without knowing the specifics of your reports, in general, getting a secured card is helpful 3. pay bills on time? sure keeps you out of collections but are you talking utilities or other credit cards? You're just not specific enough with your questions to get a specific answer.
  15. I seriously doubt she talked to the attorney. I would dispute again, with notes from a phone call from the rep and ask which part of the FCRA allows them to report inaccurate information??
  16. so the only payments you make aren't student loans, but also a BMW payment on a $60k salary....? IMHO, instead of putting 50% down on an expensive car, I would have gone for a more modest car and gotten a high limit secured card (you can still do this). If you STOP APPLYING for credit and let the car loan and the secured card age, you should be fine for a mortgage in a year. Keep your utilization down, no late payments, and you'll be surprised what your score will do in a year. I'm a little confused about all the talk about the accident. Do you have a lot of medical collections as well? Is it one collection or many?
  17. I laid it out here: http://creditboards.com/forums/index.php?showtopic=425508&hl= you have a few choices. 1. read the thread above, and dispute the heck out of your items. 2. read the thread above, do next to nothing until the items are actually obsolete (in the meantime, worry about adding positive lines - do you have any? and saving for house) 3. ignore the link and keep bumping the thread without a clear question. 4. none of the above.
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