Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  • Content Count

  • Joined

  • Last visited


About cashnocredit

  • Rank
    cash AND 800 credit

Recent Profile Visitors

1,454 profile views
  1. I can relate. About 20 years ago I had a door close on my knee while carrying a heavy box and couldn't stop it. I couldn't get out of bed except to crawl for days. Then, for the next several years if I would even kneel down on the floor it would flare up for 4 days after that. Painful as all get out. Eventually went away and haven't had an issue with it for about 15 years now even if I bang my knee.
  2. In a way it's too bad you didn't get it back then. You'd likely be immune., For those that test positive for antibodies there is some good news. This study is one of the first pieces of evidence that prior COVID-19 infection produces immunity though it is widely thought to do so. https://www.cdc.gov/mmwr/volumes/69/wr/mm6943a4.htm A bunch of people from 20 states got together for good times at a summer camp in Wisconsin. One poor SOB was infected just prior to joining the camp. In the next several weeks 91% of everyone that hadn't previously gotten COVID-19 caught the beast. 91% is one hell of a high "Attack Rate" as they call it. But 24 of them had previously contracted it and recovered. Zero, Nada, Zilch of these 24 caught it a second time while 10 out of 11 of the rest did.
  3. That's what ours is too but with a 1 month grace period. We bring in an atty after a h/o is 3 months late but the HOA (all the homeowners in dues) sucks these atty fees. They write FDCPA compliant letters. After 6 months we lien then if they don't pay, sue and include atty fees. It's really rather rare that someone goes delinquent.
  4. Reasonably well for this story. It also has a nice graph of GDP since 2007 that shows the actual perturbations. Now at about the start of 2019 which isn't bad. Consistent with what I see here with road traffic back to near normal. https://www.cnbc.com/2020/10/29/us-gdp-report-third-quarter-2020.html
  5. Having served time in the barrel (on an HOA board), collection of HOA fees are a PITA. The board hates doing it because they have to hire an atty. which sometimes costs more money than the HOA fees. In our case, the HOA atty handles other HOA issues but because a non-material portion of their work is collecting HOA fees they are subject to the FDCPA so dunning letters reflect that. You have the right for a full accounting of all the fees they are trying to collect. Ask for it.
  6. Congratulations! She dodged a bullet with the denial. This is perhaps the only time a denial is good news. First step: have her FREEZE her credit reports. This will keep anyone but her and existing creditors from pulling her credit and is the most effective way to prevent ID theft. Then check out the ID theft sub forum as Hege suggests. It will provide more guidance. Especially if another account has been opened. Pull all three credit reports and check for hard pulls and accounts she doesn't recognize. You can pull your own credit reports for free from annualcreditreport.com and you can do this every week until May.
  7. I once heard about an employee that thought they were being paid too much. These are easy to solve problems.
  8. I guess eating crow isn't popular. Even for other wildlife.
  9. For the last couple weeks large flocks of crows have been roaming around. Caw, caw. incessantly. From about 8 to 10am and 4 to 6pm you can't step out w/o seeing 10s to hundreds of crows. In somewhat disorganized fashion just flying around, landing here and there on trees and grass. Poking around a bit then taking off and going wherever they go while more take their place. Always cawing up a storm. Not sure what the natural crow predator is but there must be a shortage.
  10. N o kidding! I don't think I've ever checked those signing up for a new card. Ever.
  11. So the columnist believes her "rights" includes being able to use a CC after she is late making a payment? In what universe! Here's the relevant text from a Wells Fargo Visa agreement: Looks like straightforward English to me. Not even an "inter alia" And, there is this for the still confused.
  12. Yeah, they don't do that anymore. Regulations followed. Back in the 60's my parents got unsolicited credit cards in the mail. No application necessary! Banks took a lot of hits doing that but they wanted to ramp up credit card use. It did. At a price. Regulations followed. My parents were really old school and hated the very concept promptly destroying them. They wrote checks which were accepted pretty much everywhere and used cash for small stuff. I got my first CC in the early 70's. Very handy. Especially for business travel but at the time not all merchants took them. That changed a lot within a few years.
  13. I've used both ACR online reports and have never seen a difference other than formatting. I also haven't seen a response time difference though purchased reports require responses in 30 days v 45 for ACR reports. Responses were usually within a few weeks. Printed reports are best initially for documentation you might need legally if things go in that direction. Right now ACR reports are useful because you can pull them every week. However, that ends next May.
  14. Well, I do know that "potatoe" is not the singular of "potatoes."

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information