RSS FeedI wonder what I can do to improve my situation. I have an old 2.5YR owed FHA loan at 7.5% $ 168k and Zillow has about 190k. DW lost her job and went back to school not long after we got our mortgage. Current monthly mortgage payment is about 70% of my income. I'm on disability. Only negatives are waiting to fall on my cr old villains. I have my credit card repair and has new CLS without use. My Fakos are in the 670s. Never too late to have this mortgage, but the load is high. I have a bankru
Posts Tagged ‘baddies’
What's My Best Option- Streamline, Refi or Loan Mod? [fha loan] [baddies]
September 19th, 2011 
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Hooters is the absolute worst [baddies] [few days]
September 6th, 2011 admin A year ago, Hooters gave me a $ 300 men line with a 698 TU score or so – no villains. They included a $ 49 annual fee. Unfortunately, they had reported the bill and I did not want in a month in the area, so I ate the fee.
Anyways, May would be a year, so I called her and asked them to waive the annual fees. They said they would.
And my limit was up to $ 500. (Note I have no other card under $ 5000 and have more cards than $ 20,000) 0.
Anyway, so a few days ago I got my statement
What would happen if all of my baddies (CO's and CA's) got deleted [baddies] [tia]
August 16th, 2011 admin Would my scores drop dramatically and then rise slowly over time?
I'm to about 5 villains and 2 CA. If I could somehow get off almost all the villains and just my positive TL reporting my scores would go a lot because it would be pretty new, but all in good standing? I should also mention that I wear only as an AU to a 14-year-old Citi account that a good reputation is a high credit limit.
TIA for the repsonse.
Wow. My Fico Simulator says If I pay my bills on time for the next month [cap one] [baddies]
August 13th, 2011 admin I hope that damn thing right. My only bad guys are two of Providian charge offs from 2002. I had lost my job and the first Lates were 30 days of June and July 2002. I assume the 4 year mark on delinquency has a strong influence on your results. My credit history is only 11 years.
On my TU simulator Balance Transfer Simulator I had tried. By transferring 4 cards (3 Cap One and this terrible Hooters card) on my Amex Starwood, should my guests go to 20-30 points-651). It was interesting that t
I want the Discover More, think I am approvable? [cashout] [baddies]
August 11th, 2011 admin The Discover More card is looking better and better to me every day. $ 20 minimum payment and can often be a $ 50GC for $ 35-45 in rewards. This card would PIF.
Here some background information:
* Frozen Experian (they seem to pull TU and EQ here)
* * No villains at all, I had a none.
discover that I closed in 1997, I think I can , 30 days later in the late 80's, which is it.
* 18% * 1 util
new account last 6 could be approved months
Think I?
Plethora of information on this board [unofficial member] [baddies]
August 8th, 2011 admin I wanted just to let everyone knows that I an unofficial member here for about 2 years. This is my first post and I actually registered today. I have read lurked and read and read. My case is relatively simple for the most part such issues were minimal, and I only researched the answers I did not know from his hand. I want a big thank you to all those who give help to this forum. And I plan to return in any way that I can. I have a few bad guys who are stuccoed, but concern remains them.
TH
CA Sells Debt Immediately After I DV'ed [c systems] [baddies]
August 1st, 2011 admin At the end of April this year, I DV'ed my 2 villains, Midland Credit Management and Robinson, Reagan, Young. 30 days passed and I still have not heard from one of the CA. I am always ready to dispute with CRA on both (Jack Attack), and send both a 2nd Letter.
To my surprise, I just got back from the mailbox just a new CA, the publicly held debt to earlier by Robinson, Reagan, Young's adopted. The company is I.C. Systems, Inc. of St. Paul, MN. The letter is a standard “Your debt has
2 Baddies fell of EQ today! [baddies] [eq]
July 31st, 2011 admin YESSSSSSSSSSSS! Cannot wait for the rest of my disputes to be processed!
Citibank uPromise Card [baddies] [upromise]
July 24th, 2011 admin No, not me
DH only applied, it was instant approval – FA can not be on anymore.
EX $ 7,500 – this includes 0%, 12 months, no BT fee offer.
His latest account from March – when the DID indeed pull EX, he has about 10 inqs from November 2005 to February 2006 car loan shopping.
No baddies.
Also with Citi: Dividend Platinum 977.503 $ 8,800 (October 2005)
$ 10,700 Drivers Edge (March 2006) 977.503 $ 4,500 Home Depot (May 2005) $ 4200 Sears 977.503 (December 2003) 9,7
Asset Accept to Pay Or Not [baddies] [4 months]
July 16th, 2011 admin DW began to credit 4 months, with 12 villains to 1 on all 3 reports the asset starts, I know there are 30 thousand other topics of asset .
Its a 5 1 / 2 year old $ 150 range, they report in a way it had reinforced the score so bad it hurts, when as a 5 1 / 2 year elt collection DW score was the coverage would be about 700 (it somehow correct reporting of TU), but it reports to Experian as CO of each month, and EQ than 120 days late, the tanks of the guests, the 500-0.
by the research