• Content Count

  • Joined

  • Last visited

Community Reputation

10 Good

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

Profile Fields

  • 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
  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 th
  5. I didn't delete them. They're just in deferment so I don't have to pay them right now.
  6. 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 w
  7. 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
  8. 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 t
  9. 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.
  10. 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.
  11. 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!
  12. 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!
  13. 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?