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  1. Site has officially gone rogue. Confusing.... Question Bought furniture for a couple k and the deal is 90 days same as cash but after 90 days the interest is bogus. Would you pay it off immediately if you had the cash or wait a while for it to register on your report after 90 days then pay it off. Also this would deplete the savings by a couple k which I didn't want to do...
  2. So I know a couple of you have have been telling me to keep paying the princple balance and I was stupid and I didn’t get what that meant, but I just called Toyota and they said my only option is to call them once my pay clears or mail them a check. Is there any other way to make it so they will apply the princple with each payment automactally one is of me calling.
  3. I mean I been paying my car over the limit and I want to lower my interest rate+finish of my loan sooner but I want to do a 2-3 yr refinance loan because all I have left is 12.9k on my loan and I would be almost done. Is there any company that looks at my payment history of the same loan type?
  4. I do not where else to put this so I am wondering if its smart to take home a company car for $128 every month 64 every 2 weeks. Fuel, maintenance is included.
  5. I searched for Santander here for info and found they are not looked too favorable on here (I already do not like them). I financed a car with Alphera last May (14 E-Series MB coming off lease). Alittle about my credit-got divorced in 06 with some late mortg. payments and CC pmts-waited it out buying cash cars and not using my credit. Went to buy car in 13 (all baddies were off) and had no score. Used a strong Co-signor with WF Dealer Serv to buy 10 STS with 2.9%-opened a $500 secured CC (my bank-Amegy), then a Discount Tire Card (since paid off but use if for gas from time to time), then
  6. I was told by a CSR that I cannot make principal payments on my auto loan. Does anyone know if I trade it in, will the dealer be able to pay it off?
  7. I'm currently sitting on about 20K of credit card debt and trying to purchase a home. My current scores are sitting around the 675/680 marker and my mortgage officer indicated lowering my exposure on some cards would likely put me in a better position for a conventional loan (vs. FHA with higher PMI). I was curious if others here have achieved this via taking a personal loan to reduce/payoff balances on revolving and shift to installment loan. I have already burned the IQ and was approved for a consolidation loan with NFCU. Now, I am debating whether this will help/hurt me. My hubby h
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