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  1. I refi to nfcu and paid off after 3 months when I got $200 bonus (sometimes 250-300) depends if bonus is worth the new acct to you Sent from my Redmi Note 5 using Tapatalk
  2. I think nfcu does this for a 2% spread, if not eligible check with local cu Sent from my Redmi Note 5 using Tapatalk
  3. Are accounts past due ? Typically minimums are around 3% even with high apr (1% + finance charges) which would be closer to 150vs 350. Your creditors may offer hardship plans to pay off accounts and close them with reduced rates over 3-5 years which likely would be less than the 250 you can afford Sent from my Redmi Note 5 using Tapatalk
  4. If she doesnt have an installment might be worthwhile. I wrote one a while back for $1500 (minimum for 36 months) then immediately paid back $1480 (penfed will cancel balances of less ~$10 ime) when it showed up online next payment due 2020.
  5. Wouldn't the tax on the loss of mma interest offset much of the sub taxes although still not as good as non taxed cc sub Sent from my Redmi 5 Plus using Tapatalk
  6. Their last product (direct deposit advance) was 10% until your next payday up to a month so i guess this is half price...
  7. Unless landlord reports to credit for some reason , you do a change of address or start receiving mail there it prob won't show up. Have you tried being a guarantor instead of lease? Maybe a small landlord would be willing to lease to him with extra security deposit. I would rather lend someone some money to use as additional deposit and know my downside then be responsible for unknown/ unlimited liability . Sent from my Redmi 5 Plus using Tapatalk
  8. Maybe if your income is significant but wouldn't be surprised if they gave you a small limit if they approve you.
  9. If you can get ltv lower that can help negate lower scores. Eg Penfed refi relative at advertised rate at 80%ltv with low 600 multiple u paid co recentish collection after declining a few days before for 90% ltv refi Sent from my Redmi 5 Plus using Tapatalk
  10. I used roadside to do a ~25 mile tow with my amex platinum cost was as expected ~$45. Tow driver didnt ask me for any proof\ ID although telephone operator needed full card details I dont recall them asking for ssn\dob to verify.
  11. 50/100k front rear or so average for our vehicles Sent from my Nexus 6P using Tapatalk
  12. I would never change rotors without pads as old pads which are oddly worn or contaminated might damage rotors and pads usually cost 1/4 as much as rotors. If you are handy prob only run you 150-200 in parts and a afternoon as pretty simple procedure. Often a few hard stops can remove surface rust from rotors if they are otherwise ok condition Sent from my Nexus 6P using Tapatalk
  13. Try secured from a local CU, once you have some revolving history (6-12 months) decent shot can get unsecured cap1
  14. IME review at or above 7500, just call and should be fine. Next time make 2 BT under 7500 if you dont want to call
  15. My aunt settled a similar age and amount discover card for 30% directly through discover in response to a 50% letter they sent and while they didnt remove the trade entirely they removed all of the charge off history with no date and charge off now shows was 120-149 days late instead which might have been slightly better. Shows the 30,60,90,120 then no data vs 30,60,90,120,150,CO,CO,CO,CO,CO,CO,CO,CO,CO...

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