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Found 9 results

  1. And that means interviewing lenders. I get that the learning curve is high buying your first house, so I'm trying to ask as many relevant questions as possible before I decide to apply with anyone. Please let me know what I am missing! Thank you! What kind of mortgage products do you offer? Do I have to decide which one I want when I seek prequalification? I have cash savings, but I anticipate needing some of that money for closing costs and moving expenses. Do you have down payment assistance programs? Downpayment minimums? If I do apply, how l
  2. Hello all, New to the boards here, but I have to say the amount of knowledge that's shared is pretty amazing. I think that is awesome that everyone takes the time to help each other out as much as they can. I ruined my credit years back, and I'm finally on the road to redemption. I do plan on posting my trade lines here on the boards for some insight, but I'm running short on time. So it will have to wait until another day. I do however have a question regarding the collection agency, National Account Systems. I have a dental bill in the amount of $131.00 that was overlooked. My D
  3. I got some Capital One balance transfer offers that offered 0% for 12 months and 2% and 3% fees. The offers had an expiration date after which the checks are treated as purchases. I called up and confirmed there is no fee if after the expiration date and they are just like a purchase, so I intentionally waited until after the offer expired and maxed out both accounts to build history for free and planned to PIF. Unfortunately, Capital One failed to inform me that they add a ten day grace period onto their offers, in fact the first level CSR declared I used them before the grace period ex
  4. Wow. I just got off the phone with Citi Best Buy. I have two accounts, 1 with a 600 limit and no annual fee and the other with a 300 limit and a 29 dollar a year fee. I was asking about getting the fee removed from the smaller account. The rep I spoke with informed me that BOTH of the accounts would now have the fee, and ALL Citi BB accounts would now have the 59 annual fees. So, my oldest good account will be closed in June after 4 years of perfect payments.
  5. I have read through much of the newbie section, and have read the transcripts/notes for Psychdocs lessons. However, I'm still a little unsure with how to proceed with this troublesome loan that got sent to collections. I have made payments for the last 9-10 months, and while I have received letters from the CA with the original creditor listed, I have not actually received any sort of validation/verification. I am particularly interested in Eliminating the $2,919.87 in collection fees. Reducing monthly payments to something closer to $60/month. How can a Request for Verification letter help
  6. The CFPB has issued an open letter to Employers regarding the use of Payroll debit cards http://files.consumerfinance.gov/f/201309_cfpb_payroll-card-bulletin.pdf Discusses the EFT act ( regulation E ) all fees must be disclosed ahead of time, that the bank must provide account statements in the past 60 days for free, and that the employer cannot force the employee into the payroll card plan.
  7. Breaking my CB virginity! I recently traded in a car, I noticed in the contract I've been charged the full amount for registration fees. I renewed the tags on the car I traded in approximately 2 weeks before the trade, they were transferred to the new vehicle. I'm due a refund from the dealer, but I'm curious to know this: If I financed the vehicle including the registration fees, should I be refunded the amount of the overcharge including the total amount of interest I'll be paying for the term of the loan?
  8. I had a BOA checking and savings acct from Aug 2007 through April 2009. I had over $10,000 between the 2 acct's. I used alot of the funds to pay some accts off from my previous marraige, buy some stuff, but never came close to a $0 balance. Due to the way they input these transactions from largest to smallest, the way they held my direct deposits until they charged me ODF's ($500-$600 at a time ) I ended up paying over $4600 in ODF's in a year period. I even took out $4,000 in loans to cover the difference. They "force closed" the acct in July 2009. They're adamant that I still owe them $848.0
  9. Does anyone have experience with the Priceline Barclays card abroad in a country whose currency is U.S. Dollars? I'm planning on being in Turks and Caicos and would like to use my 2% card if there won't be any FETF.
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