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MarvBear

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About MarvBear

  • Birthday October 21

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    Sleeping in the Sun!

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  1. Welcome to our community here at Creditboards. First things first, a huge welcome! We're thrilled to have you join our passionate group of individuals. Whether you're a seasoned veteran or a curious newcomer, there's a place for you here. Just a heads-up that your initial posts will be gently moderated while you gain your member status. This helps us maintain a healthy, respectful environment for everyone. Don't fret, though! It's a quick and transparent process, and soon you'll be enjoying full member access, including posting freely and joining in the discussions with equal gusto. Speaking of discussions, know that our community runs on the dedication of wonderful volunteers. We all have lives outside of this space, juggling jobs, families, and maybe even pet iguanas (who, by the way, are always welcome in our hearts!). This means that answering your questions might take a little time sometimes, as the right expert might not be available instantaneously. But rest assured, your questions will be answered! We have a fantastic team of knowledgeable folks eager to share their expertise, so just hang in there. Remember, patience is a virtue, and it often leads to even more meaningful conversations. We sincerely hope you stick around and build a lasting history with us. This community thrives on the diverse perspectives and contributions of its members, and we can't wait to see what you bring to the table! So, explore, participate, ask questions (patiently!), and most importantly, enjoy the ride.
  2. Welcome to our community here at Creditboards. First things first, a huge welcome! We're thrilled to have you join our passionate group of individuals. Whether you're a seasoned veteran or a curious newcomer, there's a place for you here. Just a heads-up that your initial posts will be gently moderated while you gain your member status. This helps us maintain a healthy, respectful environment for everyone. Don't fret, though! It's a quick and transparent process, and soon you'll be enjoying full member access, including posting freely and joining in the discussions with equal gusto. Speaking of discussions, know that our community runs on the dedication of wonderful volunteers. We all have lives outside of this space, juggling jobs, families, and maybe even pet iguanas (who, by the way, are always welcome in our hearts!). This means that answering your questions might take a little time sometimes, as the right expert might not be available instantaneously. But rest assured, your questions will be answered! We have a fantastic team of knowledgeable folks eager to share their expertise, so just hang in there. Remember, patience is a virtue, and it often leads to even more meaningful conversations. We sincerely hope you stick around and build a lasting history with us. This community thrives on the diverse perspectives and contributions of its members, and we can't wait to see what you bring to the table! So, explore, participate, ask questions (patiently!), and most importantly, enjoy the ride.
  3. Geolocked content refers to online material that's restricted based on your location. Websites or services use technology to determine where you are in the world, typically by checking your IP address. If your location doesn't match their criteria, you won't be able to access the content. There are a few reasons why content might be geolocked: Licensing restrictions: Sometimes, companies only have the rights to distribute content in certain areas. For instance, a streaming service might have the rights to show a movie in the US but not in Europe. Compliance with regulations: Content may be restricted in certain regions due to laws or regulations. Price discrimination: Companies may charge different prices for content depending on your location. Geoblocking can be frustrating, but there are ways to try and get around it. However, it's important to be aware that some methods might violate the terms of service of the website or service you're using.
  4. A credit freeze, also known as a security freeze, restricts access to your credit report. Here’s how it works: Purpose: If you suspect that your personal information or identity has been stolen, placing a credit freeze can help protect you from fraud. Effect: When you place a security freeze, creditors cannot access your credit report. This prevents them from approving any new credit account in your name, whether it’s fraudulent or legitimate. Lifting the Freeze: To allow lenders and other companies to access your credit files again for creating new accounts, you’ll need to lift your credit freeze either permanently or temporarily. You can do this by contacting each of the three major credit reporting agencies: Equifax Experian TransUnion You have the option to submit your request online, by phone, or through mail. Processing Time: For freeze requests: Online or by phone: Agencies must freeze your credit report within one business day. By mail: Agencies must freeze your credit report within three business days. For unfreeze requests: Online or by phone: Agencies must lift the freeze within one hour. By mail: Agencies must lift the freeze within three business days1. Remember, a credit freeze helps prevent unauthorized access to your credit history and assists in safeguarding against identity theft and fraud. It won’t affect your credit scores but ensures that new credit accounts can’t be created without your consent
  5. Opting out in relation to your credit file refers to the process of choosing not to receive preapproved credit offers. Here’s how it works: Preapproved Credit Offers: Under the Fair Credit Reporting Act (FCRA), consumer credit reporting agencies (such as Experian, TransUnion, and Equifax) are allowed to include your name on lists used by creditors or insurers to make firm offers of credit or insurance. These lists are created based on specific criteria, such as geographic area and credit score range. When you meet the criteria, companies can send you preapproved firm offers of credit. Opting Out: If you’re not interested in receiving these preapproved offers, you have the right to opt out. You can do this by: Calling 888-5-OPTOUT (888-567-8688) or visiting OptOutPrescreen.com. Providing personal information like your name, Social Security number, and date of birth. Choosing either a five-year pause or a permanent opt-out. A five-year pause means you won’t receive prescreened offers during that period. For a permanent opt-out, you’ll need to fill out a form and mail it in. The OptOutPrescreen service is run by major credit bureaus (Experian, Equifax, TransUnion, and Innovis). Considerations: Opting out may result in fewer calls, emails, and letters related to credit and insurance offers. However, you might miss out on targeted offers that aren’t otherwise available. Firm offers can provide opportunities for better comparison shopping and unique product choices.
  6. Welcome to our community here at Creditboards. First things first, a huge welcome! We're thrilled to have you join our passionate group of individuals. Whether you're a seasoned veteran or a curious newcomer, there's a place for you here. Just a heads-up that your initial posts will be gently moderated while you gain your member status. This helps us maintain a healthy, respectful environment for everyone. Don't fret, though! It's a quick and transparent process, and soon you'll be enjoying full member access, including posting freely and joining in the discussions with equal gusto. Speaking of discussions, know that our community runs on the dedication of wonderful volunteers. We all have lives outside of this space, juggling jobs, families, and maybe even pet iguanas (who, by the way, are always welcome in our hearts!). This means that answering your questions might take a little time sometimes, as the right expert might not be available instantaneously. But rest assured, your questions will be answered! We have a fantastic team of knowledgeable folks eager to share their expertise, so just hang in there. Remember, patience is a virtue, and it often leads to even more meaningful conversations. We sincerely hope you stick around and build a lasting history with us. This community thrives on the diverse perspectives and contributions of its members, and we can't wait to see what you bring to the table! So, explore, participate, ask questions (patiently!), and most importantly, enjoy the ride.
  7. Opting out of your credit file specifically refers to opting out of prescreened credit and insurance offers. It does not impact your credit report or score itself. Here's what opting out does: Reduces prescreened credit card and insurance offers you receive in the mail. There are two ways to opt out: For five years: You can do this online or by phone. This is the faster option, but you'll need to renew it after five years. Permanently: This also starts with an online or phone request, but you'll then need to mail in a signed form to finalize the permanent opt-out.
  8. Welcome to CreditBoards. Once you reach member status you can search our CreditPulls database for your information. The link is at the top of the page.
  9. Welcome to our community here at Creditboards. First things first, a huge welcome! We're thrilled to have you join our passionate group of individuals. Whether you're a seasoned veteran or a curious newcomer, there's a place for you here. Just a heads-up that your initial posts will be gently moderated while you gain your member status. This helps us maintain a healthy, respectful environment for everyone. Don't fret, though! It's a quick and transparent process, and soon you'll be enjoying full member access, including posting freely and joining in the discussions with equal gusto. Speaking of discussions, know that our community runs on the dedication of wonderful volunteers. We all have lives outside of this space, juggling jobs, families, and maybe even pet iguanas (who, by the way, are always welcome in our hearts!). This means that answering your questions might take a little time sometimes, as the right expert might not be available instantaneously. But rest assured, your questions will be answered! We have a fantastic team of knowledgeable folks eager to share their expertise, so just hang in there. Remember, patience is a virtue, and it often leads to even more meaningful conversations. We sincerely hope you stick around and build a lasting history with us. This community thrives on the diverse perspectives and contributions of its members, and we can't wait to see what you bring to the table! So, explore, participate, ask questions (patiently!), and most importantly, enjoy the ride.
  10. Those books are just evaluation guides. I believe most used autos/trucks are much overpriced. My dealer friends tell me business if off because of pricing and availability. I know the Mazda is a great vehicle, but I also believe it is 3K too high. But, the vehicle may actually command that much money.. I don't have any negotiation advice for you, just be kind, firm, and comfortably blunt without being off-putting.
  11. We are glad you found CreditBoards. I'm sure someone will be available to give you some advice. Just be patient until someone with the knowledge sees your post and responds.
  12. https://www.irs.gov/clean-vehicle-tax-credits?fbclid=IwAR1ZPsxmUHbuz5fHC7TFAc7JUwrtCjowhrVk6ZU1qkZbkIbIstWloQ6dtsk
  13. @TheVig I'm sorry this happened to you. I am giving serious thought to installing a couple of cameras and a doorbell camera. Can you recommend a preferred brand/type? Those kids need the holy hell beat out their behinds.
  14. Welcome to our community here at Creditboards. First things first, a huge welcome! We're thrilled to have you join our passionate group of individuals. Whether you're a seasoned veteran or a curious newcomer, there's a place for you here. Just a heads-up that your initial posts will be gently moderated while you gain your member status. This helps us maintain a healthy, respectful environment for everyone. Don't fret, though! It's a quick and transparent process, and soon you'll be enjoying full member access, including posting freely and joining in the discussions with equal gusto. Speaking of discussions, know that our community runs on the dedication of wonderful volunteers. We all have lives outside of this space, juggling jobs, families, and maybe even pet iguanas (who, by the way, are always welcome in our hearts!). This means that answering your questions might take a little time sometimes, as the right expert might not be available instantaneously. But rest assured, your questions will be answered! We have a fantastic team of knowledgeable folks eager to share their expertise, so just hang in there. Remember, patience is a virtue, and it often leads to even more meaningful conversations. We sincerely hope you stick around and build a lasting history with us. This community thrives on the diverse perspectives and contributions of its members, and we can't wait to see what you bring to the table! So, explore, participate, ask questions (patiently!), and most importantly, enjoy the ride.
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