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EvilMan

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  1. EvilMan

    Lending Club IPO

    I put in about $1000 and loss over 50% too. The number of defaults on the platform is unbelievable. The best rate of return I had since It started was about 1.5%. Many years were simply just loss after loss, and me attempting to readjust and balance the portfolio. Out of 61 loans I made, 11 are charged off. today 20 are current, 5 are 30-60PD (will enter default soon), and 25 are paid in full. But as i go through the current loans, about 20% of them have been 90 days late. One loan is 16-30 days late every month (just paid up at the moment). Maybe the figures are reasonable for some, but I should be bringing in a much higher rate of return. Even Alliant savings pays a better return than LC.
  2. EvilMan

    Paypal Smart Connect CL reduced from 35k to 1k

    X24 means you have not used it, so the system has reduced you.
  3. EvilMan

    PenFed 2018 Q2 Offers

    Did you join PenFed with any derogatory marks on your reports? Low credit score due to high revolving debt, which has since been fixed. Other than that no derogs, lates, collections, etc.
  4. EvilMan

    PenFed 2018 Q2 Offers

    Sometimes I wonder if I never Opted back in correctly, even though I have submitted the request to opt-in almost monthly for 6 months. anyone know for sure how to figure it out on Equifax? I do get offers in the mail for Citi bank. I have gods with everyone else ... so they do not have much interest in me !
  5. Yea but it seems every credible news outlet picked up the story. bad PR for best buy
  6. Everyone is right. Never pay personal expenses from a business account as it opens you up to liability of being sued. You pierce the corporate veil and now even if your a corporation, You personally and the corporation are one in the same. If the company is paying for stuff like a mortgage, then the house is up for grabs even if not in the companies name during a lawsuit. On that side, many banks expect to review personal bank statements, so this should not have been unexpected. Many lenders do this in an automated way even. In terms of Marcus point of view, anyone with a printer and some photoshop can easily make a W2. You could always suggest them reviewing your tax transcripts.
  7. I have as well been looking to see if CITI has any cards i want. Hilton was my only Citi card so my portfolio is $0 as well. Nothing on their card portfolio jumps out at me.
  8. EvilMan

    Here is another turd in time for the holidays.

    I never noticed max interest creeped up to 35.75% now. was always 29.99% ...
  9. EvilMan

    The Lowest of Low: The mythical 300 credit score

    I have even helped a few friends out with their repair. Even they were not able to work it sub 400's.
  10. I can vision the tweets about discrimination already. It would be less drama if we keep things like faces out of this. IT screams trouble.
  11. EvilMan

    The NRA Card - 5% gas card

    I should probably add the CLi i got from them 2 weeks ago on my 4 year old card. Finally got it to $30k. Anyways, they only pull experian for me. FNBO also does not do product changes and CLI's are HP, but can be SP if it comes back instant (kind of like Navy).
  12. EvilMan

    Schronny Income Verification

    I guess in comparison to Equifax, how bad can it be?
  13. EvilMan

    Schronny Income Verification

    I called them, they would not budge without it. Was kind of funny they said they could only accept a fax and nothing else. They really are a 1999 kind of department, 'eh?
  14. EvilMan

    Schronny Income Verification

    I called 866-519-6441 which i am guessing was not the Sr. Underwritting.

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