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Chains
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[quote]Posted: Saturday, January 6, 2007 at 1:55 am EST
i own my own business now.....im a little afraid 
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Quade
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[quote]Posted: Friday, January 5, 2007 at 9:39 pm EST
So uh, is anyone else besides me excited that it's tax return time?This is my first year on a mortgage, so taxes this year oughta be sweet. 
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Quade
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[quote]Posted: Monday, March 13, 2006 at 4:04 pm EST
damn! i never checked back on this thread. sorry guys, i suck ass. yeah, i really wish i had. mortgage ass-fucking hurts. |
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Chains
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[quote]Posted: Thursday, February 23, 2006 at 9:20 am EST
Quade my brother is a mortgage guy.....if you want i can have him call ya |
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DelMonte
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[quote]Posted: Thursday, February 23, 2006 at 9:17 am EST
I'm not sure if we can do loans in GA but I'll check. If so, you want me to have our mortgage guy call you?
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Quade
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[quote]Posted: Thursday, February 23, 2006 at 8:53 am EST
Hey...Anyone want to hook a brother up with a mortgage loan? |
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Quade
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[quote]Posted: Thursday, July 7, 2005 at 8:10 pm EDT
Well, I think I've got my credit reports as clean as I'm gonna get them for now. I've still got 1 negative showing up on 2/3 of the bureaus, but that's not so bad... Although, today another credit card raised my limit substantially... Chains, we need to write a book on this shit. How to clean up your credit without doing stupid shit -- no debt consolodation, no paying for credit reports (my only expense so far has been a few bucks-worth of stamps), no court, etc... just plain patience and knowing what to say/write. Although, I'd still like to get my hands on that damn FICO formula... 
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Quade
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[quote]Posted: Thursday, June 23, 2005 at 12:53 am EDT
Speaking of reports...my FICO just went up another 40 points... of course, this is dated June 1, and it's still showing my snapshot as worse than I know it really is (this is b/c i'm getting month-old reports from my credit card company, who gets month-old reports from trans-union...), so I'm sure it'll go up a little bit more over the next few months. Although, La and I decided to wait until next February to buy a house, so we've got plenty of time to get the rest of the cards paid off, and credit reports cleaned up a little more... 
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Chains
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[quote]Posted: Wednesday, June 22, 2005 at 12:42 am EDT
hehehe.....i know....i used to be the guy that sent the repo guy to your house. Did that for 3 years. We always joked about that but never did it. And yeah if you dispute and they dont take it off your record then it does say dispute. But if they take it off your record like Quades and mine then it doesnt say anything......its just gone.
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Quade
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[quote]Posted: Tuesday, June 21, 2005 at 10:39 pm EDT
Where does it show that an account was disputed on a credit report?
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DelMonte
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[quote]Posted: Tuesday, June 21, 2005 at 9:21 pm EDT
Just FYI before you go getting repos. I've looked at a lot of credit reports and I have seen many that had disputed accounts. This may help your score go up but the ones I have seen do show that the accounts were disputed. From a lenders standpoint, that could be possible on 1, maybe two accounts...but if they see that on multiple accounts then something fishy is usually going on. My advice is don't get repos and never pay your house payment late. And if that does happen, try not to let it happen again.Oh yeah, and there is a section on the end of your report for explanations of credit issues. Try not to sound like a retard if you use that...be very breif. Lenders don't care if the neighbors dog chewed up your cell phone that the UPS guy left on the doorstep and you shouldn't have to pay for it. |
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Quade
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[quote]Posted: Saturday, June 18, 2005 at 9:53 pm EDT
beware the run-ons dude...Yeah, that's what i did about a month and a half ago -- i called up my credit card companies, 1 by 1, and asked them to look at my account (to look at the fact that i pay on time every month, and more than the minimum payment everytime), and see what they could do. most of them basically asked me what i get from other cards, and they would match whatever i told them. i basically got all my cards down to around 9.something. some even offered promotional deals to do shit like 0% on transfers for 6 months or a year. |
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Chains
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[quote]Posted: Saturday, June 18, 2005 at 1:09 pm EDT
on that note.....you need to call the company and ask them to lower there rate cause you have been concerned about your higher intrest rate and that you found a company with a lower rate that your gonna transfer to but wanted to call you guys first to see if we can avoid that by them lowering there rate cause we really want to stay with you but just cant see paying that high of intrest. just basicly bluff them.hope that helps and that was one long sentence...lol |
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Dre
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[quote]Posted: Saturday, June 18, 2005 at 10:41 am EDT
It is great when they decide your limit can be higher......however, Chris and I had a credit card that "rewarded" us by giving a higher limit but also decided that since they gave us a higher limit would also give us a higher interest rate. Bunch of jack...... We would of rather kept the lower limit and lower rate. Doesn't matter anymore cause we changed cards.
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Chains
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[quote]Posted: Friday, June 17, 2005 at 11:25 pm EDT
i love getting around the system.....in all reality you could go buy a new car.....never pay for it......when they repo 3-never months then all you have to do it dispute it on your credit and go buy another....lol
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Quade
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[quote]Posted: Friday, June 17, 2005 at 10:54 pm EDT
OK, I gotta say, I'm totally digging the results of all my credit investigations.My credit, according to the loan officer at my bank (when asking about a mortgage loan), "is very good". Fuckin-a! Also, I've had several credit cards recently up my limit by several thousand bucks -- shit, I could buy a car on a credit card if I wanted... Although, I have one more thing to take off my credit. I figure, push comes to shove, if I'm planning to apply for a loan or something, I'll initiate an investigation 2 weeks before I apply -- they can't factor in a negative account if it's in investigation, so your credit check is a lot better.
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Chains
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[quote]Posted: Thursday, June 9, 2005 at 12:04 pm EDT
well you can always file BK then get that taken off as welllol |
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Quade
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[quote]Posted: Thursday, June 9, 2005 at 11:58 am EDT
Yeah, that's already happened... My American Express card was up for renewal, and they upped my limit by 4G. 
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Chains
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[quote]Posted: Wednesday, June 1, 2005 at 5:39 pm EDT
cool Quade....also remember that they took more off your score but you wont see your new score reflected till 1 month after they take off your negatives so next month im sure you will be suprised to see your new scoremabye it will be high enough to get you in more debt...lol thats what happened to me anyway...lol anyway grats on your way up
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Quade
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[quote]Posted: Wednesday, June 1, 2005 at 2:52 pm EDT
aight -- i've sent that to both of your primary email accounts listed on the directory.
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DelMonte
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[quote]Posted: Wednesday, June 1, 2005 at 2:36 pm EDT
me too.
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nilrem
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[quote]Posted: Wednesday, June 1, 2005 at 9:15 am EDT
I'd be interested...
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Quade
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[quote]Posted: Wednesday, June 1, 2005 at 1:37 am EDT
Aight Chains, thought you might like to know...I got my TransUnion results back today, and they deleted 4 negatives, including my 2 student loans. plus, the others have my negative student loans deleted now.however, the fuckers added a collections on a bad check i wrote a LONG time ago (still within 7 years though) that hadn't been there before. but, that's the only thing that seems to be appearing anymore. so, here goes round 3 of disputes... Yeah, this disputing thing seems to be working, which I have to admit -- I was skeptical as all hell. but fuckin-a. Since I started doing this, and aggressivly paying off debt, my score has gone up 26 points in 2 months. Meh, it's a start...And it helps that I've made out a credit card and loan repayment schedule in Excell (well, OpenOffice Spreadsheet). I put in all my current debt, APRs, and how much per month I want to spend on debt repayment. Then I can spread the payments out to the creditors that will charge the highest finance charges that month, and pay the most to them. Sice current revolving credit balances account for 35% of your FICO score, that'll also knock the score upwards a little bit. The way it's going, I'll be paying off a loan/credit card per month starting next month through the rest of the year (including the Aztek whoot!). If'n anybody's interested, I can hook them up with a copy. |
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Quade
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[quote]Posted: Wednesday, May 18, 2005 at 5:15 pm EDT
aight, cool. thanks man. i guess i'll just keep denying that shit.and yeah, ed is the shit! |
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Chains
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[quote]Posted: Wednesday, May 18, 2005 at 2:50 pm EDT
naaaa...thats not nosey...i would tell you guys anythinglike the time i had sex with kevin and ed in the back of kaybee toys...kevin sucked cause it was his first time but ed was AWESOME....ill never forget you ed.....sweetie  lol but to answer your question no i dont have any student loans at all but if i did i would probably have negative shit on mine 
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Quade
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[quote]Posted: Wednesday, May 18, 2005 at 12:10 pm EDT
Hey Chains,Not to be nosey, but did you happen to have any negative student loan stuff on your credit reports? I can't seem to get anyone to delete mine... 
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Quade
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[quote]Posted: Monday, May 9, 2005 at 4:27 pm EDT
Here's an update:I did what Chains said. I wrote a snail-mail to the credit bureaus. I got one back today with a deleted item. Whoohoo! However, I still have my student loans on there, where I didn't allegedly pay for awhile. So I'll be firing off another letter this week. |
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Quade
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[quote]Posted: Friday, May 6, 2005 at 10:48 am EDT
OK, so this is a little odd...I opened up my American Express account today, and I noticed I have a credit of 14 cents under the line item "CLASS ACTION SETTLEMENT/BOEHR" Dude, like, WTF? Some googling around, and it turns out that this is a refund from a faulty exchange rate. Iunno -- the whole thing is odd. |
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Quade
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[quote]Posted: Monday, May 2, 2005 at 5:06 pm EDT
Aight, so now I'm 3 for 3. 1 card went from 21.49 down to 9.99.it's amazing how competitive they can be; trying to match or beat each other's APR. |
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Quade
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[quote]Posted: Monday, May 2, 2005 at 4:33 pm EDT
I had the day off of work today, and so I was missing the burocracy. So I decided to call my credit card companies...Anyway, I started calling around today to get them to lower my APR. And so far, I'm batting 1.000. In one case, I talked them into cutting it in half. It's amazing that they already have lower pre-calculated APRs available just for asking (b/c they sure as hell won't just flat out offer it to ya). Now, I'm gonna work on getting them to waive balance transfer fees, and try and get all my balances on the card with the lowest rate. |
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Dr. Pooh
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[quote]Posted: Wednesday, April 27, 2005 at 9:50 am EDT
And, I guess, it costs them a lot of money to dispute it.
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Quade
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[quote]Posted: Tuesday, April 26, 2005 at 9:17 pm EDT
Yeah, and appearantly, disputing anything is like pleading "not guilty" in a court of law. once you do that, it requires the credit bureau to prove your guilt, basically. And you're under no obligation under any law what you dispute. It's kinda cool like that.
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Dr. Pooh
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[quote]Posted: Tuesday, April 19, 2005 at 8:43 am EDT
Another a friend gave me says....Dear (Credit Bureau), Please remove all highlighted items as they appear to be incorrect. I need verification of all items under statute FCRA, 15USC, section 1681L. Sincerely, Blah She got it at a realtor convention thing. How to be a realtor or something like that. |
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Quade
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[quote]Posted: Monday, April 18, 2005 at 10:21 pm EDT
Quote by Chains:and DAMNIT you DESERVE good credit You goddamn right. yeah, this is the future, kinda like in gattica, where everything about me is summed up by credit history -- from the ability to pay off a home loan to whether or not the federal government should trust that i'm a terrorist. so i'm waiting on credit reports from two other agencies, and i'll do the same there. |
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Chains
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[quote]Posted: Monday, April 18, 2005 at 8:05 pm EDT
thats basicly what i did.....i just did some research online and did what they said to do. cause of the fair debt act...despute EVERYING cause you canand DAMNIT you DESERVE good credit
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Quade
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[quote]Posted: Monday, April 18, 2005 at 7:42 pm EDT
For what it's worth, I found these forms the other day on about.com, giving you some good form letters for things like disputing bad entries, etc.
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Chains
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[quote]Posted: Monday, April 18, 2005 at 5:45 pm EDT
ok this is what i did....and i even had a judgement against medespute EVERY BAD MARK ON YOUR REPORT. dont do it online...send in a letter and in that letter include a copy of your drivers licenses and social security card. and in the letter put that you are about to buy a house and that the false reporting on your report is causeing you is causing major problems. tell them that you expect all the negative reports you have listed in this letter to be taken off within 30 days. and make sure you sign it. NOW....you will get a report back in a few weeks with all the things that they took off....more than likely they wont take off EVERYTHING but they will take off some (depending what you had on there in the first place). Now your second letter is the key. Again list everything they didnt take off from the first letter, even if they say they cant take it off. This time you put in your letter that this false reporting is RUINING YOUR LIFE, causing you and your wife emotional destress and that you know your rights and blah blah and that if these negative reports that you have again listed in this letter is not taken off in 15 days from the time you recieve this letter you will be seeking legal councel for this gross negligence on your part. and that will usually do it. if you want to give it a month or so till you use that last one you can but i didnt wait....i sent it right away after i got my first letter back....and they took it ALL OFFFFFFFF. even my judgement against me. i told my friend to do what i did and they took off his BK but it took a few months longer than me. |
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Quade
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[quote]Posted: Monday, April 18, 2005 at 10:30 am EDT
holy shit dude, how'd you do that? i can't seem to get mine to raise for shit. well, it's coming up a little (but only a few points each month), since i'm about done paying off the honeymoon and wedding...
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Chains
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[quote]Posted: Monday, April 18, 2005 at 9:13 am EDT
man i have TRIED AND TRIED to find that but no luck. If you ever find that let me know.by the way....i raised my credit score from 560 to 720 in 2 months. If your having credit problems let me know. that goes for anyone on here
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Quade
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[quote]Posted: Monday, April 18, 2005 at 12:58 am EDT
Hey, does anyone know where I could get my hands on the Fair Isaac Co. scoring system for calculating your credit? I know what my current FICO score is, and I have my credit reports from the Big Three (there is at least one perk to living in Georgia -- mandatory free credit reports). I want to calculate what my FICO score is in the future without paying some organization to calculate it for me.
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