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brothert69

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About brothert69

  • Birthday 07/16/1981

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    New York
  1. That only matters if you are disputing as not mine, which you should never do unless it really isn't yours in which case you wouldn't have the full account number. I included the full account numbers on my latest dispute and all 3 accounts were deleted. Not saying it will always cause an issue but why give them any type of help. They get exactly what they give me no more and no less. Plus there's always the chance that some salamander says oh well 12345XXXX and 123456789 aren't the same account so this dispute is for an account that's no longer listed and no action is needed. I tend to think the absolute least of CRAs, their staff, and practices.
  2. Never give them more information than they give you. If the account is 12345XXXX then that's what you reference. Imagine inadvertently verifying an account because you wrote about account 123456789 instead.
  3. I know, just not eligable for NFCU or PSECU, I did join PENFED in 2009 with $25, but never did anything with it, pretty sure its closed It's worth checking into and if it's still open apply for the PENFED 5% Card...not real sure on the name but is talked about A LOT here on CB. So, I envy you for having an in... No need for envy. Anyone may join Penfed through the national military family association or voices for americas troops. Go to penfed.org click on the join penfed link at the top of the page and select "help me join another way" from the how are you eligible list for further details.
  4. You could try discover or chase's pre-selector to see if they have an offer for you. Accepting those offers usually only causes a soft pull.
  5. The key portion of that section being "unless such amount is expressly authorized by the agreement creating the debt." So for most debts (credit card, utilities, cell phones, car loans, etc) the accrual of interest is allowed up to the default interest rate in the loan agreement.
  6. In new york a properly perfected mechanics lien will remove all previous liens from the title including bank loans. Whatever was owed on the vehicle by the prior owner (you) is still owed to the bank but they no longer hold an enforceable security interest in the vehicle (they cant repo from the mechanic). The bank will generally proceded against the prior owner (you and the co-signer) as if it was a defaulted signature loan. The bank will probably sue you to get a judgement and yes it will most likely tank your co-signers credit.
  7. The dental ins and prescription card I would leave at home unless I was going to the dentist or the pharmacy. The medical ins card I would keep in my wallet because you never know when you may not be lucid enough to give you info at the hospital. As for the ss card I dont carry mine unless there is a specific need for it (new job, dmv, etc) and then I put it back in my fire safe when Im done with it.
  8. These are usually available at most credit unions. Not sure about larger banks.
  9. Why waste time with the BBB as they do not have the legal authority to force BofA to delete the TL. Send the complaint to the AG of your state for the violation of state statue and take them to court for the violation of the state statute and the FCRA. Its free money why shouldn't you collect it?
  10. no. I really don't care about the Checking, and if that's the reason they declined the savings it sucks. I was more interested in the savings. Any chance for recon you think? Call them. The worst thing they can say is no.
  11. I would try applying at the cu that i had the longest history with. 7k might be high in the current financial climate but it doesn't hurt to ask as most cu's will give a counter offer if you are approved.
  12. Did you say that wrong? Doing you mean living in Egypt? If they denied your for being Egyptian and was admitted in the letter. You could have a good case to sue them. They can not discriminate on race. Disclaimer, I am not an attorney. Please check with an attorney before taking my advice. When picnn said denied for being Egyptian he/she meant for denied for pyramiding debt not for actually being egyptian.
  13. Who is eligible for membership? All federal civilian employees, annuitants and their families in the Washington, D.C., Baltimore and Philadelphia Metropolitan areas, including: Immediate Family: Spouse, child (step/adopted), sibling (step/adopted), parent, grandparent, grandchild Household member: Persons living in the same residence, maintaining a single economic unit Washington, D.C. / Baltimore / Philadelphia Metropolitan area means the following political jurisdictions: * District of Columbia * Maryland: Anne Arundel County, Baltimore City, Baltimore County, Calvert County, Carroll County, Cecil County, Charles County, Frederick County, Harford County, Howard County, Montgomery County, Prince George's County, Queen Anne's County * Virginia: Alexandria City, Arlington County, Clarke County, Fairfax City, Fairfax County, Falls Church City, Fauquier County, Fredericksburg City, Loudoun County, Manassas City, Manassas Park City, Prince William County, Spotsylvania County, Stafford County, Warren County * West Virginia: Jefferson County * Delaware: New Castle County * Pennsylvania: Bucks County, Chester County, Delaware County, Montgomery County, Philadelphia County * New Jersey: Burlington County, Camden County, Gloucester County, Salem County
  14. I would try to get all of the accounts under 50% util. The change in DTI by removing on of the monthy payments will not be as large as the boost in FICO for having under 50% util on the accounts. If you can do $2500 per month for debt paydown then i would recommend waiting a few months to do the refi until you have more paid down and a higher FICO as a result. Remember that a higher FICO will usually result in greater latitude for you with respect to DTI and other mortgage requirements. As always YMMV.

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