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Everything posted by lefty

  1. Well its been awhile since I've posted anything so lets catch up, sure is nice to see everyone still at it. Since my last post the wife and I have put an emergency fund of $1000.00 in the bank, We paid off her Juniper, my Juniper and 1/3 of orchard bank. In March the income tax check will pay of the rest of orchard and my pickup truck, no automobile payments of any kind. Yeeha more money in the savings to tackle the next one. To everyone who is paying down debt and those just starting to, its hard but the feeling of telling them to kiss off is fantastic. I actually told that to a rep from Hooters/Merrick when he couldn't understand why I wanted to close the account. They wanted to start charging $4.00 a mo. and they wanted the $48.00 upfront. Kiss off dude. Have fun, Lefty
  2. You won't find better knowledge anywhere. So start asking and see what happenns.
  3. Well Abby you made one post and that was It. Where did you go.
  4. Well congrats so far. Unless you are going to buy something don't worry about your scores, just keep getting those deletes. I know is hard not knowing ( been there done that) your score but ident guard is fako. Okay go ahead anyway.
  5. I would put my faith in the gurus here before the blonde #%%^^*&.
  6. The only way we can get back at the banks/credit cards is to pay cards off then use them each a couple of times a year n pif to keep a tradeline good. So as Flo would say ( im showing my age now) KISS my grits. Shame on u for raising my int.rate n lowering my limit.
  7. Just paid off HSBC card/paid Hooters off last mo. In 2 wks will pay off BP Chase & 2 wks later will pay off Lowes. We hope to have all cards and charge accts paid by xmas time. What a heady feeling it is every time I can say PIF.
  8. All you are going to do is pay to piggyback someones elses credit. If you do and that person doesn't pay their bills it will ruin your credit. Take the time to do it yourself and the rewards will be sweet.
  9. I've been a member of my local Moose lodge for 20 yrs. Is there something you need to know. Lefty
  10. Hi Valor, I had the same problem with the IRS. I wrote a letter to each of CRAs including the withdrawl letter. At the end of my letter I wrote, " If you need further info I strongly urge you to contact ( I wrote the name of the person who signed the withdrawl, their position with the IRS, phone number to contact and the address of the where the letter came from. They all removed the lien. Hope this helps. Lefty
  11. lefty


    Well hello KB, your a sight for sore eyes. Glad your back here. Sorry its for the wrong reason. Is your email addy still the same. I kind of stayed away from that other sight, they get to intense with each other over int., balance transfers and such. Where are you living now. Lefty
  12. Nice article Homey. In my area the big thing is short sales. People aren't buying and sellers are realizing they can't get the price they want. It has created a market for unscrupulous investors to take advantage of home owners in foreclosure.
  13. Almost and Chelsea if you need info on how to deal with Larry Litton the liar and thief shoot me a pm.
  14. Your mortgage is an installment loan because you pay a set amt each month. This is a good thing for your Fico score.
  15. From my understanding a HELO is an installment loan but a HELOC is revolving and yes it is included in your utilization. I could be wrong but that is how mine is reporting.
  16. If you pay the OC in full, ask them to pull the account from the CA. Try to get it in writing because people have a way of forgetting what they verbally told you. When I paid my bill I was told they would pull it from the CA but they didn't and the CA reported it as paid. It took me 6 mos of letter writing and an ITS to get them to remove it.
  17. CIC has been mentioned in quite a few forums that I visit. It has always been talked about in a good way. I tell everybody about CIC for help with credit issues. We are the best.
  18. Hiya Morrow, I don't want to rain on the good experiences that our posters have with Prepaid but check out RipoffReport for more info on this. Lefty
  19. lefty


    Congrats on paying your credit card debt. Just a word of caution, keep an eye on your CRs. If you settled for less than the full amount your creditors might sell the remaining debt to the CAs. They will be coming out of the woodwork after you. Lefty
  20. Retmar, Morrow ( great to see you back cutie ) great posts. Its always good to be proactive with creditors. It may not work out the way you want, but you will feel better knowing you at least tried. Lefty
  21. You go girl, It sure is amazing watching people come to CIC with credit problems and in 6mos they turn into informed consumers and are taking a bite out of the CAs a$$eS. As an oldster on CIC it makes me warm all over to see it happen
  22. I've had my Target store card since Nov of 03 and my limit reached $650.00. A month ago they asked if I wanted to change to Visa (DUH) of course. I had no idea what the limit would be and woohoo $4000.00. They are reporting my Visa with the starting date of Nov 03. I didn't lose any time by having the store card closed and opening a new acct.
  23. If and when this happens to me,what ever I purchased will be returned immediately and I won't shop there again.