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About luvs2laff

  • Birthday December 17

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  1. I’m not sure if this is the right place to post this but I am selling my car to an out of state buyer and am really nervous because of all of the scams that seem to be so popular right now. If anyone has any tips, suggestions, advice, or lessons learned from a similar situation please share! Here is how I’ve worked everything out in my head (tell me what you think): 1. Buyer flies to my location (Illinois), we go to my bank with his cashier’s check and I deposit it and have my bank call his to make sure it is legit. 2. I provide buyer with bill of sale and go to the DMV to get him temp plates to drive back to his state (Maryland) 3. Since the car is financed through an out of state bank, I pay off the loan and request the title be sent overnight to me. 4. I fill in the title and overnight it to the buyer.
  2. Hey all, Its been a while since I’ve been here, but I’m back with some questions. In 2006 I posted this and asked for some guidance on what I should do. “Im in the military and had to break my lease because I got orders to come to Cali. So, the apartment complex charged me for breaking my lease among with some other crazy charges and then sold my account/balance to a collection agency. This all happened in 2004, but its just now showing up on my credit report. I've disputed with the CRA, CA and apartment complex with no luck. The legal office (JAG) on base suggested I take them to small claims court which is fine, but im in a different state and trying to figure out the whole process is a little time consuming and im clueless. I was hoping to get some help from JAG, but they're not allowed to represent me, and to be honest they havent really been much help.†http://creditboards.com/forums/index.php?s...mp;hl=luvs2laff A few months after I posted this I PCS’d overseas and never got around to filing a suit to take them to small claims court. I just returned to the states in Nov 09 and yesterday I received a bill from the collection agency. I’m all fired up again and I want to sue – I go to see the JAG office next week, but they were not very helpful in 2006-so I may just be on my own. Any advice anyone can give would be appreciated. I still have a copy of the lease and all of the correspondence I sent to them via certified return receipt in 2006. Also, this is listed on my credit report twice with two different collection agencies. I’m thinking of using the services of Civltree to help with filing and serving since I now live in Illinois and the claim/suit would be filed in Utah. Thanks in advance for whatever advice, stories or experiences you can provide.
  3. I am so stealing this idea. That is awesome! Me and DH do something simillar, but we still run into problemss from time to time. I think the 2 joint checking accounts would solve our problems. Thanks for posting this.
  4. Sorry, I guess I left some key info out. The loan is for 69 months. I can understand a few dollars off but it's over 30. I'm going in tomorrow to find out what's going on. Hopefully they just goofed.
  5. I went in yesetrday and applied and was approved for and auto loan in the amount of $25,387 at 5%. So I went home and calculated my payments to be 424.11 on (bankrate.com), but when I went back to the bank she said my payments would be $455.51. Unfortunately I didn't notice this until after I left and they are closed on Saturday and i'm a little confused as to why this is. Does anybody have any insight on this? I'm confused, I think shes trying to rip me off... Thanks
  6. Yeah, I tried to pull out some Euro from an ATM yesterday and I got an insufficient fund message twice. I called and the representative seemed pretty clueless and said she'll look into it, but I think because of the time difference it happened before they got the influx of calls and realized they had a problem. I ended up having to use my CC and asked about getting the foriegn transaction fee removed, but i'm still waiting on them to look into it and get back to me. I love USAA, and crap happens, but yeah it was a pain because for a minute I started to think someone wiped me out.
  7. I cancelled my subscription last month and received the "e-mail" this morning. Since, I already cancelled them do I still need to call their custoomer service or can I just delete it and move on? I knew it was coming so I just cancelled before they had the chance, i'm really not in the mood to go through the jumps and hoops of calling them and figuring this thing out. Once again Truecredit sucks! The weird thing is that when I called to cancel, the rep was trying her hardest to keep me as a customer.
  8. Wow, I just applied and was approved for up to 50,000 at 5.99%. WooHoo!!!! Happy Car Shopping to Me!!! Thanks again!
  9. Thanks, that was quick. I'll probably apply for the loan today. Thanks again!
  10. Credit Application: Your Age? 25 Your Equifax Credit Score? 679 (MYFICO Score), 2 inquiries Your Experian Credit Score? 681 (MYFICO Score), 2 inquiries Your TransUnion Credit Score? 768 (MYFICO Score), 0 inquiries How many years have you been on file with Equifax? 7 How many years have you been on file with Experian? 7 How many years have you been on file with TransUnion? 7 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No, previous auto loan with VW paid off May 2006, never late. YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 13 Total percentage utilized overall? 0 How many of your revolving accounts are store cards? 6 How many of your revolving accounts are major credit cards? 7 How many of your revolving accounts are known subprime credit cards? 1 Orchard MC YOUR PERSONAL INFORMATION How long at your current residence? 17 Months (Active Duty Military, I move a lot) Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $850 How long have you held your current job? 7 years Your total provable monthly gross income is? $4,268 Your provable monthly gross income is provable via what method? Computerized Paycheck Stub Is there additional monthly income? No YOUR DOWNPAYMENT Please tell me your exact down payment in cash? 2,000 Does any credit repository contain any Public Record? No Does any credit repository contain any Collection Account(s)? Yes (Experian and Equifax) 3 year old collection from an apartment complex that charged me for breaking my lease. I had orders and had to break it. The amount is for $740 and it is still unpaid. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best): 9 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best): 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best): 7 New or Used vehicle you are considering: Brand New 2007 VW New Beetle, the price is 22,000, but I plan to put 2,000 down and I plan on applying for a 20,000 loan with USAA.
  11. I received the e-mail confirmation on the day that I was usually charged and I was able to keep pulling up until that day as well. I'd keep monitoring your account to make sure they don't charge you again. Hope this helps.
  12. Maybe you're wording some of your post in a way that you didn't intend, but I just can't get past the two things you said about your husband....trying and forced. If he is really trying to save for retirement, then he shouldn't need to be forced into contributing to his 401k. Not picking on you but I see way too many situations where couples never worked out their financial goals before getting married. Finances are just as important as religion and kids. I don't feel picked on and you're right. We really didn't discuss finances to much before we got married, I was more on the thought pattern that we both will keep seperate accounts and only come together jointly on bills and our saving for a house or other big purchases we make together. My husband has a lot of debt and refuses to let me help him pay it off. I respect that and I say he is trying because we have worked out a decent plant that is working towards that goal of paying off his debts. He didn't want to invest in his 401k, but with my smooth talking I got him to put a little in there every month. I used the word somewhat forced because it took a lot of persuasion on my end. Don't get me wrong my hubby is all about trying to better himself and us, but it never occurred to me beforehand to discuss our financial future. I'm young and in love, what can I say I totally agree that this type of discussion should be had before marriage, but things don't always go as they should so you have to make the best of what you have and move forward.
  13. This is a good post. I am in a very similar situation except that I am already married. I'm 25 and my DH is 37, he has very little saved for his retirement and although he is trying I never considered the fact that something can happen to him leaving me to support the both of us. I've already taken it into my hands to put his money away and somewhat forced him to invest in his 401K. I feel bad for thinking this and it may even be a little selfish, but I have goals and am so looking forward to retirement and would really hate to have to work past the age i've set for myself.
  14. Thanks for the Great advice. I am a bit of a saving maniac, I think it's because I grew up seeing my parents live paycheck to paycheck and did not want to live that way. Do you think I have to many savings accouts? I may be a little selfish by having my own accounts, but I am so anal and overly cautious with money, I love my husband, and I dont think he'd ever do anything crazy like spend our savings, but I still have that "what if" factor going off in my head. All of my personal savings comes out of my check, but the joint accounts are a combination of both of our money. I told my DH to just focus on his debt, but he still said he didn't want me to be saving for the both of us. I would love to just write a check and pay off his debts but he would go crazy if I did that. He's a real mans man I guess. I will talk to him about him saving a lot less until he pays everything off. I have enough "emergency" money in my saving to cover us just in case anything did happen. I will check out the site you posted as well. I just recently moved my TSP contributions around after taking a class, but I still feel so much safer having it in the G fund, but I know I won't make any real money by keeping it there. I have been looking into CD's for our house money but am still doing my research. Thanks again for the reply.
  15. Thanks for the advice! I've been trying my best to save ever since I joined the Air Force but the amount I was able to save fluctuated a lot. I have about 20,000 in my personal long term savings account, but me and DH just started our joint savings so we only have 6,000 in there. I'm in Germany so I have access to the library and will definately start reading up on mutual funds. I'm just so scary when it comes to investing. I have my TSP divided up into different funds but I rarely check the balance because if I see it drop any, I immediately want to put it all back in the G (low risk) fund. Thanks again for the advice and I will definately start researching mutual funds.

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