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Old 11/30/2004, 11:17 PM   #61 (permalink)
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Originally Posted by Ty
1) For that free report link you gave us, it doesn't seem like its working for me, or maybe I don't get it. Has someone else used that and could maybe explain what screens and info you should be getting. I enter my info and it does nothing.

2) I had co-signed on a CC with a friend, with them being the main person on the card, me being 2nd, they ended up declaring bankruptcy. The card was closed down with a balance still remaining on it. Is that going to be effecting my credit? I've tried calling the CC company, but never got anywhere, and my friends lawyer said I would not be effected.
1) I have been having issues with it too as of late, try www.experian.com in the mean time, they charge a fee but they also give you your FICO score.

2) Hate to give you the bad news but here it is, pull your credit ASAP. If you co-sign for someone you are accepting responsibility for the card, even if you just co-sign. My advice is pull it and make sure that it isn't on there, if it is things like that have a wierd way of showing that you filed a BK and it causes a lot of issues. If so then follow my dispute process and it will all work out in time. But it could also be on there, showing a BK, and it would still hurt your score partially. So either way if it is on there dispute it and see if you can try and get it taken off.

This brings me to another thing. If you are ever disputing an account don't say the account is yours, say you don't recall it and don't believe it is yours. The worst that can happen is you get stuck with it. Way too many times have I had someone fuck it up by saying something like "Well I did, but don't want it on there anymore" dumbasses!
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Old 12/01/2004, 02:40 AM   #62 (permalink)
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Ok, I paid and signed up for it. This is what it shows for the Closed card:

Apr May Jun Jul Aug Sep Oct Nov
02 03 03 03 03 03 03 03 03 03 03 03 03 04 04 04 04 04 04 04 04 04 04 04
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30

Basically it appears as though I just need to pay the remaining balance?
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Old 12/01/2004, 10:10 AM   #63 (permalink)
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That 30 on the end there is not good.
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Old 12/01/2004, 11:45 AM   #64 (permalink)
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Hey I just had a question for you Alan..

I just graduated from college in May and need to get a credit card to build some credit. I've never had one, so I'm wondering what kind of limit I should expect/look for my first one? I'm employed but have only been at my job since June.

Also do you have any suggestions as to a company to get a card from? I checked out some of the "top 10" sites on the net, but I got turned down for the first 4 I applied for since I don't have a credit history. Sorry if the question isn't really in your realm of expertise
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Old 12/01/2004, 12:22 PM   #65 (permalink)
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Wow, reading this thread made me very happy to have my house. Bought it last year for $330,000, now it's at $550,000. I can't believe that my little 1300 square feet home would require a jumbo loan if I were to buy it today.

I refinanced last month before prime went up and landed me a nice $60,000 no-fee equity line too. Not that I'm planning on charging up sixty-grand this holiday or anything like that, but it's at a very low rate and I could always use the bail money...
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Old 12/01/2004, 12:40 PM   #66 (permalink)
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Wanna help me consolidate?

SAVE THE DSMERS!
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Old 12/01/2004, 01:32 PM   #67 (permalink)
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Sell your stereo equipment on audiogon.com and you could probably get rid of some of that debt.

BTW, you're not going to get the best rate in the world if you do what you're trying to do. Financing 100% of a house is already an ugly thing but to do over 100%? Ew.

You can always qualify for a loan--whether or not you can afford the loan is another thing entirely!
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Old 12/01/2004, 01:36 PM   #68 (permalink)
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Quote:
Originally Posted by eslai
Sell your stereo equipment on audiogon.com and you could probably get rid of some of that debt.

BTW, you're not going to get the best rate in the world if you do what you're trying to do. Financing 100% of a house is already an ugly thing but to do over 100%? Ew.

You can always qualify for a loan--whether or not you can afford the loan is another thing entirely!
Sell my stereo stuff? Are you on crack? I'll have these speakers FOREVER!
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Old 12/01/2004, 01:37 PM   #69 (permalink)
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Maybe you can get a short-term LIBOR loan? I don't know much about it but a friend of mine swears by LIBOR.
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Old 12/01/2004, 01:38 PM   #70 (permalink)
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Sell my stereo stuff? Are you on crack? I'll have these speakers FOREVER!
*shrug* it's your moolah!!!
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Old 12/01/2004, 03:28 PM   #71 (permalink)
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Originally Posted by hawk
Hey I just had a question for you Alan..

I just graduated from college in May and need to get a credit card to build some credit. I've never had one, so I'm wondering what kind of limit I should expect/look for my first one? I'm employed but have only been at my job since June.

Also do you have any suggestions as to a company to get a card from? I checked out some of the "top 10" sites on the net, but I got turned down for the first 4 I applied for since I don't have a credit history. Sorry if the question isn't really in your realm of expertise
The best advice is to start with the dreaded store cards. Go to Target, Sears, etc and get a store card. They will start your credit and in about 6 months switch to a visa or master card and close those store cards out.
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Old 12/01/2004, 03:29 PM   #72 (permalink)
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Quote:
Originally Posted by Ty
Ok, I paid and signed up for it. This is what it shows for the Closed card:

Apr May Jun Jul Aug Sep Oct Nov
02 03 03 03 03 03 03 03 03 03 03 03 03 04 04 04 04 04 04 04 04 04 04 04
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30

Basically it appears as though I just need to pay the remaining balance?
Basically, pay off the balance and since it is closed out it won't matter.
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Old 12/01/2004, 03:31 PM   #73 (permalink)
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The best advice is to start with the dreaded store cards. Go to Target, Sears, etc and get a store card. They will start your credit and in about 6 months switch to a visa or master card and close those store cards out.
FOR HAWK

get a prepaid credit card through the bank or credit union if you don't have a credit history there is no chance of getting denied. To many denials also looks bad on your credit.
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Old 12/01/2004, 04:02 PM   #74 (permalink)
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Quote:
Originally Posted by Alan
Basically, pay off the balance and since it is closed out it won't matter.
Trying to get that done by this weekend. Tried calling the number for the card, but there closed for some reason.

Am I allowed to ask for that to be removed/dispute it?
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Old 12/01/2004, 04:16 PM   #75 (permalink)
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1) I have been having issues with it too as of late, try www.experian.com in the mean time, they charge a fee but they also give you your FICO score.
I hate experian. They had two extra SSN attached to my account. Apparently I own two extra cars, have lived in LA, have abundant student loans and have defaulted on a couple accounts. Only Experian was showing this shit.

RIiiiiight. So I had to take care of that with a bunch of letters. Thanks for wasting my time, dickwads!!!
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Old 12/01/2004, 05:37 PM   #76 (permalink)
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Originally Posted by Ty
Trying to get that done by this weekend. Tried calling the number for the card, but there closed for some reason.

Am I allowed to ask for that to be removed/dispute it?
You could try, but if they have that paper where you signed then you are boned, but hey if they don't you win
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Old 12/01/2004, 05:42 PM   #77 (permalink)
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Thanks for the advice prwr21 and alan. Now I just have to find a store I want to spend ~100 bucks a month at
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Old 12/02/2004, 12:31 PM   #78 (permalink)
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Alan, just got off the phone with them. They are removing the past due from my account, and I will just be resuming payments on the card until the remaining balance is gone
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Old 12/02/2004, 01:08 PM   #79 (permalink)
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Originally Posted by Ty
Alan, just got off the phone with them. They are removing the past due from my account, and I will just be resuming payments on the card until the remaining balance is gone
There you go. Like I said, these people may have counted their money gone, so when you called and made arrangements for them to get it they count it as a bonus. Some companies are bad, but most of the time you are dealing with a collector who has a quota to meet. Offer to help them out and they will jump through hoops for you. Just check your credit report in a few months to make sure they kept their word.
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Old 12/02/2004, 02:03 PM   #80 (permalink)
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