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cacoffer

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    Los Angeles, CA
  1. So is that why people are abandoning CA in droves?! Because they don't worry about prices?? I'm one of those who left California. I moved to Atlanta, GA almost a year ago, and I miss CA terribly!!!! We left for "quality of life" reasons. We wanted to purchase a nice house, in a nice area, cut down our commute and have the same disposable income (if not more). Well, our salaries are comparable to what we took home in Cali, we purchased a beautifully built home (new build) and we have cut down on our traveling time and distance to work --- BUT, I am still a Californian at heart and it is tough adjusting to the people, food, politics, weather, and everything else in Atlanta. Good luck in your search -- just as an aside, coming from NY, you do not want to move to KY (I lived there for about 2 years) -- if you want a progressive community, I would by-pass - of course, if you don't mind, pegged jeans and sweatshirts -- be my guest! lol
  2. Jack, yes the majority are hard pulls. Thanks all for the breakdowns and encouragement. I look forward to providing you all with positive updates!
  3. Long story short. I have been working on cleaning up my credit for more than a year. I have been fortunate to obtain about 6 or 7 new credit cards, NFCU (2), Cap One (2), Hooters and other store cards. Last month, I added a mortgage to the fold. No lates on anything. Olld collections have been paid (more than a year ago) -- 2 outstanding, but are due to drop off early next year. Things are progressing, but my credit scores are SOOOO low. EX: 590 EQ: 610 TU: 618 . I will admit that my utilization is high. I am doing a debt snowball method to pay it down... but I'm just getting so impatient. I'm hoping to see an improvement in my scores within 6 months. Is it possible? In addition, I have about 40 inquiries and I'm not planning on applying for any credit cards in 2009. Can anyone offer any guidance and/or support? Any advice is greatly appreciated!
  4. cacoffer

    JC Penney

    Atlanta
  5. Blank for me too. I just tried calling the number in the previous post -- it's a NO-GO... automated voice on the other end. Hope they'll resend soon.
  6. This letter will be sent to CEO of CompuCredit David Hanna. It is a protest of the $100.00 AF applied to my account and other accounts like mine. Your input is appreciated. Dear Mr. Hanna, I want to congratulate you on the success of your corporation, CompuCredit. It is truly a remarkable achievement to develop, market and grow a business such that you have. I would like to introduce myself. My name is XXXXXXXXX, I am a cardholder and I have been a customer of yours since 2005. I have over the years, despite paying what is due, and perhaps more, have failed to get my card balance to zero. To compound my struggle, recently the $100 annual fee has been applied to my account. Over the last three years, your company has made more than $500 at my expense ($300 as annual fees and $6.50 monthly for the account maintenance fee), simply because I am a cardholder. This does not include interest payments. This represents more than 60% of my available credit. This is a staggering amount. I believe the annual fee to be burdensome and a hindrance. If it is designed to keep me in debt, then it is doing a remarkable job. If it the price I must pay for the privilege of being a customer of CompuCredit, then I take umbrage, noting the detriment far outweighs any benefit. In the beginning, I accepted the annual fee as a penalty of sorts associated with having “less than perfect credit†and recognized the annual fee as a necessary evil. Mr. Hanna, my scores have improved, I have maintained my account with you successfully for more than three years, yet I continued to be punished by the annual fee. Before this cost was applied this year, I was successful in inching my balance toward my goal, after the annual fee was applied; I was catapulted up over my credit limit. In one fell swoop, not only had any progress made been obliterated, but my debt increased to a total more than it was before. Something about this doesn’t seem just. In June, before the fee was to be charged to my account, I contacted members of your “customer service†department. I was told to “call back and speak to a supervisor once the fee was applied,†and they would be able to make an adjustment. I didn’t ask for anything outrageous – I asked for a $25.00 reduction. The $100.00 annual fee was applied and as I was told, I called back to speak with a supervisor. I was then informed by another agent that the fee was a little more than an immovable force and that nothing short of an Act of God, would remove it. As I was about to hang up, the representative, condescendingly thanked me “for being a customer since 2005.†Thanks for that. I hung up feeling more powerless and more used than ever. It is my goal to purchase a home at the beginning of 2009. I have put myself on a strict budget designed to eliminate the majority of my credit card debt. As this pertains to your card, I was on track to bring my balance below the 50% mark. By compounding the exorbitant cost of the annual fee onto what I pay in interest, not to mention the maintenance fee, it knocks me further back. Understand that there are thousands of individuals like me, who needed help, have proven to be credit worthy and no longer deserve to continue being punished. I no longer feel as if neither your card nor your services are necessary evils, just evil. I am asking that you reduce my annual fee, not eliminate it. I am asking for a reasonable reduction of fees. I am asking that you bring it down to or below industry averages. I would like to continue my relationship with CompuCredit, but if not, I will have no choice but to cancel my card and take my business elsewhere. Mr. Hanna, know that I am not silly enough to believe that by threatening to take my business elsewhere, your company will suffer in the least. I do believe however, as I have stated before, there are thousands like me who have rebuilt their credit and will be smart enough to realize that they are being taken advantage of, they will realize that there are other options and further they will realize that the only entity benefiting from this relationship is you and your corporation and we will be wise and strong enough to walk away. Thank you for your time and consideration. If there are questions or concerns, I can be reached at the address above or by phone at (xxx) xxx-xxxx. Most Sincerely, XXXXXXXXXXX
  7. I have a couple of crushes... Adam Carolla - I love his wit and sarcastic nature Barack Obama - I love him because he represents that anything in this world is possible.
  8. The black team are a bunch a babies. Buck up! Jillian was completely out of line. Allison is only doing her JOB! She gets paid to ask questions. When it comes to individuals, each player is on their own. Stop crying ladies and suck it up. Do your best and it will be rewarded. Keep complaining and it will get you where it got them - on the chopping block. Bye Brittany! Bye Maggie!
  9. cacoffer

    Kids

    Hi, I had a similar problem with my son - with his reading. It took a lot of hard work, late nights and tears, but he pulled through and is now in the 5th grade and reading at a 6th grade level. I broke down and sought out counseling. His doctor prescribed Adderall, because he was diagnosed with ADD (not the hyperactivity disorder). My son would complete his homework, but "forget" to turn it in. He would space out in class and was not able to focus. I was reluctant at first, but I felt what I needed to do what was best for him. I went through the same things as you, wondering how I had a child that struggled in school, when I never did. I wish you luck. Have patience, it will get easier.
  10. I'm glad someone else thinks this is silly too. I feel sorry for those that are excited about the prospect of receiving a check... makes me sick!
  11. Could it be that you're a bit overbearing? Or perhaps your demenaor is a little off putting. I kinda find it hard to believe that in your work setting, the person would use the word, "never" when training someone. Perhaps it may help to look inward and wonder why the comments are directed at you and not anyone else. Just a thought.
  12. I'm sort of in the same boat as you are. I'm moving to Atlanta soon (shooting for April) and I've been applying for jobs since about November of last year. I've gotten some hits and have a couple of interviews set up. I think it all depends on the field that you're in. You can include when you would be available to start in your coverletter. I've found that employers are willing to work with you. Something else to consider is that they may not have an immediate job opening that suits your availability, but they could keep you in mind for something else that comes up in the near future. I would never not post a resume, if anything it gives you an idea of what's going on in the market. Best of luck to you!
  13. It's like they're expecting the car to get repo'd. Well wishes to both you and your daughter.
  14. cacoffer

    Thanks!

    Congrats! Hoping to join you in '08!

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