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liquid0h

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About liquid0h

  • Birthday 11/13/1983

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  • Location
    FL
  • Interests
    Drums, building computers, and beach volleyball
  1. Hopefully we can teach some younger enlisted if they come on here to CB for advice. Older enlisted, higher ranking enlisted, or veterans/retirees should be able to pass on good knowledge and experiences so some of these newer troops won't make the same mistakes we made. Or at the very least, minimize the damage.
  2. Breeze, the beach picture doesn't do anything!
  3. Here's a link to state repo laws. Helped me out with some Florida repo stuff (courtesy of WhyChat). http://www.repo-laws.com/repossession-codes/ Also check out: http://www.lawdog.com/states/tx/st1.htm
  4. I have a simliar problem with HSBC. They are the OC however they charged it off to HFC (another HSBC company). HFC now has it "paid settlement". 2 negatives for 1 loan. I'd like to see if I could do the same.
  5. liquid0h

    HSBC

    Sonic, any word on this lately? I'm dealing with HSBC myself. The damage is already done on my report (paid settlement & a charge off/sold).
  6. I mean, I'll admit, I had to check for my son (he's 6) because the Social Security office warned that someone else was using his #. You can't use the online service (not to mention, if someone is using their number, CRA will go off the info that's in there from the person abusing it, not your child...hence why you can't use the online service. Some people think CRAs already have a file for someone that doesn't have credit history, as if they are hooked up to the social security database or something. They don't start gathering info till they receive info from creditors. This is why someone stealing your child's SSN can have all his crap in there and your son won't have squat.) You have to call them. That's the only way we could check, that or write. This is one of the article's I've used in the past: http://www.idtheftcenter.org/artman2/publi...Sheet_120.shtml
  7. It would come complete with the whole new set of problems that such an action would create... Perhaps. Maybe a better alternative is for Congress to step in and mandate yearly FICO scores from all 3. Again, more problems than solutions...which model of Fair Isaac scoring would you want? Most people have no clue about the various algorithms and models... lol think of the solution not the problem. We wouldn't be deciding which model...experts (that know more than you or I) before congressional subcommittees would. Throw an idea out there man Except that the model that they might deign was the best for me may not really be the one I give a damn about...and I am sick of them cramming credit-related legislation down our collective throats that is not in my best interests... Only the short-sighted fail to recognize that multiple models are the best for competent underwriting practices... So if they gave you a free score...your saying thats not in your best interest? I dunno, it sounds like a win-win for us. If you don't like the score congress mandates to be given out, you can simply just not use it and buy your own. And who knows, maybe it will be based on multiple models. The experts just may agree with you
  8. It would come complete with the whole new set of problems that such an action would create... Perhaps. Maybe a better alternative is for Congress to step in and mandate yearly FICO scores from all 3. Again, more problems than solutions...which model of Fair Isaac scoring would you want? Most people have no clue about the various algorithms and models... lol think of the solution not the problem. We wouldn't be deciding which model...experts (that know more than you or I) before congressional subcommittees would. Throw an idea out there man
  9. It would come complete with the whole new set of problems that such an action would create... Perhaps. Maybe a better alternative is for Congress to step in and mandate yearly FICO scores from all 3.
  10. To me, its not so much the budgeting that is the issue. It is more along the lines of: --- open communication---- spouse and Servicemember need to be on the same page about money, accounts, goals, and paymnts/spending ----POA--- non deploying spouse needs to either be an AU on all accounts or to have POA for all accounts and needs to know which companies require specific POA's. ----paperwork---- nothing you can do but the military is mostly paperwork, and they dont like to do it very fast or well in some cases. ----commands--- if you get a bad one its *heck* (except worse) when you get no help or info from the commands, they make things that much harder. Im not saying that the military is awful, but they are not perfect and they are not easy to deal with at times. Deployments are hard in many ways and financially it is not always great. People who say you never run into problems by simply budgeting or simply having a POA or simply anything are wrong. Nothing is ever that simple and take into account Murphy's law, and you got a lot than can (and some of it has for me) gone wrong. Yes budgeting helps and yes having an emergency fund helps, but that doesnt mean that a problem will not arise, nor does it mean the problem will be about the amount of money you have. Sometimes the problem is not under your control and is not even your fault but must be dealt with none the less. And being the one left behind to deal with an issue and not have all of the tools needed to deal with it, is frustrating. That is why I advocate the things I do. From my experiences I hope that others will know to get that POA and make sure that you can deal with all of the accounts, i hope people will get on a budget, will get that emergency fund, will know the resources to go to when they dont have enough money or have issues. For some things I have faced, there were rescources out there but I was never informed so now I tell others about what I have found. I agree with the first 3 points. I don't know how it is in the Army, but Air Force has centralized their pay people into one central location for the entire service. The commands have no involvement what so ever (with the exception of verifying that you're entitled to Family Sep, Haz Duty, etc. pays on TDYs and Deployments). Go green to blue! lol
  11. I would say don't bother, unless you know that someone has been using his SS# or there's been a breach at some office/company that contained his personal info.
  12. Maybe the Gov't should just step in and nationalize all of them. Wouldn't that help stop all this crap?
  13. I send my dispute letter to the CRAs about the repo on my record. Just waiting for reply now or deletion. What I don't understand is Why Chat's 14 day rule on his deficiency letter. They really only have 14 days to verify? Even in the state of Florida? I think he lives here too...he probably knows statues better than most I hope though.
  14. They have to have some kind of paperwork backing that crap up right? I mean things have to be filed when a repossession occurs I thought. They can't file with your CRA that it's a repo when they never did. Sounds unlawful...

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