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Everything posted by RBinAK

  1. During my BOA ak air card app it asked if I wanted the card to have a chip, "to make international travel easier". Is this new for BOA?
  2. BOA AK Air denied. That concludes my mini-spree. I don't get miles. Garden for 6-12 months and then go back for miles.
  3. House closed and was funded. Doing a mini-spree. 20 months ago I was 520 FAKO's. Since then... CU $700 secured ->$2,500 unsecured. Different CU $1,000 unsecured ->$2,500 unsecured. First app on the minispree, Chase Slate 0% 15 mo balance transfer -> Approved $3,200. Will BT $2,000 in CC debt to it. Next up BOA AK Air Card...
  4. Another Alaskan!!! I am not sure who they pull but I would consider Credit Union 1 if you are shopping. CU1's top tier is at 680 but sadly they pull Experian so no bumping. I got 2.95% on my auto loan with a 685 so I'm pretty happy with them. Also, they had a promotion where they auto approved you for a no AF 1k mastercard if you get an auto loan through them. I was in rebuilding mode at the time and the 1k limit really helped out, they bumped it to 2.5k in 6 months. I do not have any experience with Denali though.
  5. I've got $20k limit at Button Factory.
  6. Not until 1130 am tomorrow.
  7. They are paying me $50 a day to stay in the place for a few days so i'll ask when it's funded so I can start billing them for the stay.
  8. I got a secured loan when I was just out of high school. The reason I got it was the parents were lending me the money to buy something and they wanted me to have to learn the practice of paying payments on time. Didn't do anything for the credit.
  9. Now how to find out when the place is funded. I'm signing my paperwork in 3 hours.
  10. Wednesday, 5/7 closing Thursday, 5/8 record and transfer ownership Friday, 5/9 Seller moves out Just got the email! Join CB 2007, Closing on house just 7 years later. This is a marathon not a sprint.
  11. One thing to keep in mind for lender shopping, if this is your first loan, is physical location. If you know you like to sit down and have things explained, don't pick a lender that is located a long drive from your normal day. I know it doesn't sound like much but I greatly appreciated being able to stop in before and after work to my lender for signing and questions without having to deal with traffic. As someone else stated, the interest rates are probably tied to the program (mine were) so it didn't matter what lender I went with they just had to be in the program. Perhaps on my second loan I would be more comfortable to not have that relationship.
  12. A good place sells here in about 5 days. The place I'm buying I was the first person to look at it and made an offer. So depending on your market you might not get a loan approval fast enough if you do it the shifter method. It's just dependent on your area.
  13. Don't pull your scores at all, even the FAKO's, for 6 months. They don't tell you anything beyond a snapshot of a useless scoring model. Some of the loan programs I used required 12 months with no active collections. They didn't care that they were on there, just that they had been paid 12 months before. As someone else stated, look for a new/first time home buyer class. It should be free and mine even gave me $250 off closing. I learned a lot in the class because I could ask the quirky questions the internet couldn't easily answer.
  14. Mileage? Doesn't matter what your score is if the car is not within the industry lending window and mileage.
  15. Yes, I was rebuilding. Not quite that low, but the CU just asked "are you taking care of these issues" and I said "yes" and they approved me. I really feel that if you go in an sit down face to face with a CU loan person they are going to fight for you if it's a reasonable request. The only thing you left out is the age of the auto. 2007 or newer and I think they will play ball.
  16. Why cant you use your name? I don't see how she is getting approved on her own for two cars with 25k income.
  17. Have you read all of the beginners doc's listed in the sticky section of the forum? They go over the steps for starting out. You need to make sure you are dealing with people who legally own your debt first.
  18. My CU did $3,500 at 36 months. My CU even offered a 1k unsecured Visa guaranteed with auto loan approval. This is why I love CU's. As the other poster stated, don't buy a car to build credit. Buy a car because you need a car.
  19. Plus what ever kick back you earn from disenfranchising the area minority voter.
  20. I don't know why people say McDonalds is hiring, if you are an adult with a decent work history McDonalds is NOT hiring you. They hire kids and people who they can take advantage of. If you have a car delivering pizzas or the newspaper might be a better "worst case" approach. Sorry, it's just a pet peeve of mine. I joined CB in August 2007 and am just NOW getting my credit repaired. Some things are just going to live on there the next decade. There is no quick results and the paperwork business.
  21. I think you should buy a professional indoor football team on your credit cards. Either plan you end up broke with massive credit card debt but at least with my plan you get to strut into an arena as a professional sports owner. If you're interested I've got a guy who can get you setup for next season. Don't worry, you can just BK at the end.
  22. I don't see any mention of Applied Bank graduating on the interwebs. Also I'm seeing they don't report to EQ. You just need to weigh out the positives and negatives and make the decision on your own. Any way you do it you are going to cause harm to your scores. But having annual fee's and online payment fee's means this card is costing you real dollars and cents. That score negative will only be a short term problem whereas the fee's are something you are not going to get back. If it was me I would focus on adding one prime card with a comparable limit before closing that card. Something that gets you the same availability with limited or no fee's.
  23. For the OP. I'm buying a new house and had to pay off my auto loan. So prior to getting the new house I am reporting zero installment loans, this caused not even a 1 point change in my scores across the FAKO's and MyFAKO's.
  24. What!!! I'm closing on my house right now, I thought I was going to get a 50 point FICO bump! I am only buying the house for those points. Why didn't you tell me this before!!!! (joking)

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