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About techgoddess

  • Rank
    500 posts and hasn't been banned yet....


  • Interests
    Low-tech hobbies (sewing, cooking, embroidery) and medieval reinactment
  • Occupation
    Software Engineer/Mom

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  • Location
    Centreville, VA
  1. Yup, been there, done that! It's really rough at the beginning, isn't it. There is a light at the end of the tunnel, I promise!
  2. Hi Everyone! It's been awhile since I've been here but I wanted to give you guys a little update. I just brought home my first brand new car. It's a 2004 PT Cruiser. The financing isn't the best but it's a whole lot better than the 23% we were paying on the car we traded in (it's 10.9%). For those of you just starting out, this stuff really does work. We've gone from Discover trying to sue us, bad student loan debt (over $100,000), more bad credit than you can shake a stick at, and scores under 500 to a clean (but almost blank) credit report, breaking into the "600 club", buying a house and now, getting a brand new car. Keep up the hard work everyone. It's not easy but it's definitely worth it!
  3. Yeah I liked it out there! I'm from there! (I've got the birth certificate to prove it!)
  4. Nope, I'm not in Cali anymore (btw mexican food in VA sucks!) Anyway, since you're so curious, here's the whole story... I got laid off from my awesome job in San Diego back in September. They weren't getting the contracts they were expecting, blah, blah, blah. Anyway I found myself unemployed again. I really wanted to stay in Cali but I just wasn't getting any bites so I expanded the search to the whole country. November rolled around and I got a call from the applied physics lab at Johns Hopkins University in Maryland and they wanted to fly me out for an interview two weeks later. I think it was then next day that I got a call from Raytheon in Falls Church Virginia and they wanted to fly me out for an interview the next week (btw way at this same time, all of SoCal was on fire!) Anyway, I went out to interview with Raytheon and that went really well and then the next week I went out to interview with Johns Hopkins. The same day I interviewed at Johns Hopkins, Raytheon made me an offer. Johns Hopkins ended up not making me an offer because they didn't think they could get me a clearance fast enough. Anyway, Raytheon relocated me and put me up in corporate housing and hooked me up with a realtor and mortgage company. I called up the mortgage company on a whim and you could have knocked me over with a feather when they pre-approved me just on my income (since my DH had to quit his job to come out here.) Anyway, we only went looking for houses one day and we ended up buying the second house we looked at. I'm just amazed. The only credit issue we had to deal with was there was a late fee on DH's credit report from a speeding ticket he got. Well, that's the story. I'm rockin' at my new job. I'm a work animal! BTW Morrow, you're right, that picture was my daughter (she looks just like me only smaller!)
  5. I didn't delete them. They're just in deferment so I don't have to pay them right now.
  6. We flew! (Corporate relocation is plush!)
  7. Hi everyone! I haven't been here in forever (I've been concentrating on other areas of my life.) Anyway, long story short, I just closed on my house on friday. Through a odd course of events, I've ended moving from southern california to northern virginia. For those of you who don't know me, when I started my credit was AWEFUL! I had over $100000 of student loans in default, collections up the wazoo, luckily no bancrupcies, forclosures or repossessions but still, it was bad. My husbands credit was almost as bad. After, tons of letters and consolodating and deferring my student loans I was able to buy a house with no downpayment. The interest rate isn't that bad either: 8.5% but it goes down to 7.5% after we have 20% equity (which shouldn't take that long here in fairfax county!) For any of you in doubt, this stuff works! It takes time and patience (and a lot of stamps, faxes and certified mail). I don't know what our scores are (we've just been concentrating on getting rid of the negatives.) We're going to find out sooner or later (when we feel like dropping 60 bucks or so on 6 credit reports.) Anyway, about my house, it's a townhouse (which I've been told is the state flower of virginia) but it's in a super nice neighborhood. We've been spending the weekend painting and the movers will be bringing our stuff tomorrow (my company relocated me.) Anyway, for those of you still working on this stuff, keep plugging away at it. I'll drop by every now and then and say hi.
  8. A while back, I was told by one of the experts (don't remember which one) that paying a CA doesn't reset the SOL (only paying the OC does.) I just got a letter from the bozos hired by RMA (who I've already shot down and I've got proof that they cancelled the account) saying that I owe them money still. Back in June (before I got rid of RMA) I sent a validation letter and they ignored it. I called the guy and basically yelled at him for ignoring my letter and informed him that I've got a letter from RMA saying that they cancelled the debt because it was passed the SOL. He starts telling me that I reset the SOL by paying them (back when I didn't know any better.) I told him that that's not true and I would sue him big time if they didn't stop sending me letters. Soooooo, now I need the actual verbage that says that paying the CA doesn't reset the SOL.
  9. Okay, a few months ago, I settled with Discover and there's still a balance showing on my credit reports. I've been disputing and it keeps coming back verified. Finally, I gave in and called up Discover. I gave my account information to the first person I talked to and they were really rude (what a surprise) and said that my account had been forwarded to an attorney and I had to contact them. And I said, I already paid a settlement to the attorney and it's still showing a balance on my credit report and she put me on hold. Well the lady that picked up the phone was super nice! (I guess that's what happens when you pay them.) And she said that the attorney's office sent them the payment but never sent the paperwork for the settlement. She said she would give them a call to get the paperwork, send an update to the CRAs and a copy to me. I really want the TL gone but I can't get a house (or a security clearance) until there's a zero balance. I'm just so shocked and amazed that she was so nice to me over the phone. Let's see if she keeps her promise though.
  10. My unpaid chargeoffs came off right away (except for RMA, I had to complain to the BBB for that victory). The paid ones are giving me the hardest time. My only minor successes with those is they were all updated to paid (they were all showing balances) except Discover. I'm still fighting with them.
  11. All I did was dispute ("I swear it's not mine!") Actually, this one didn't give me too much trouble because the CA that was reporting wasn't the CA that was collecting it so technically, it wasn't mine.
  12. My defaulted student loan is finally off all three reports (just came off of EQ today!) I'm going to party down tonight! I've only got a couple more negatives and then it's rebuilding time!
  13. I'm not finding scores for the Costco American Express Card. I think we're going to give it a shot anyway. Wish us luck!
  14. DH just got a letter saying he's Pre-Approved for a Costco American Express card with a minimum limit of $1000. I've been looking all over the letter for a catch and I can't find one (no annual fee, no "application fee", no deposit). What do you guys think? Should he go for it?