-
Content Count
2,246 -
Joined
-
Last visited
-
Days Won
2
direred last won the day on December 8 2006
direred had the most liked content!
Community Reputation
11 GoodAbout direred
-
Rank
500 posts and hasn't been banned yet....
Profile Fields
-
Location
California (Northern)
-
The CPAP machine is the most likely to work at the lowest cost with lowest risk of complications. I've been on one for about 8 years.
-
I used this interest calculator. For $640, 3 years, compounded 365x/year at 5% = 743.57. At 9%, 838.35. HTH.
-
It does backdate. Yay for some good things in life.
-
There is a calculation for this, but it's not in my list of spreadsheet formulas. Essentailly, over the course of 3 years, you were charged 50% in interest, so as a first approximation, it looks like you were charged an illegal rate for your state.
-
Subprime Auto Loan Help
direred replied to MrLogan13's topic in Obtaining Credit Cards, Auto Loans and Financing
Are the chargeoffs and collections paid or unpaid? -
Wal-Mart credit Card Warning
direred replied to shdubu's topic in Obtaining Credit Cards, Auto Loans and Financing
Honestly, in the current credit climate, I wouldn't be closing cards after a CLD -- it only means that that CL will be the last reporting CL for that card EVER. When things get better, the CLIs will come again. This cycle happened before in 2001-2004. -
Oh, I had a baddie the month before I started. That one's gone, fortunately. So I'd be stuck with three more years. I don't think the work was in vain, though, because it's helped me see how hard it is to fix and is a huge disincentive to get into that bind again.
-
Old lates DO matter
direred replied to mj11's topic in Obtaining Credit Cards, Auto Loans and Financing
Lates from 2002 are. -
Old lates DO matter
direred replied to mj11's topic in Obtaining Credit Cards, Auto Loans and Financing
5 lates from 2002-2003 had a 21-point impact on my FICO, because that's how much my score jumped when they were gone. -
Getting rid of the sub-prime cards
direred replied to brownstar's topic in Obtaining Credit Cards, Auto Loans and Financing
Not only fire the Orchard, but apply for a new Cap1 card, then roll the limit on the existing one into it (if you can). Either way, close the old Cap1. Cap1 subprime cards are subprime for life. You should be able to get better from them. -
System Unavailable The system is currently unavailable. Please contact customer service.
-
Was the charged off amount paid between Sep 03 and Mar 04?
-
What's incorrect about the tradeline?
-
I used to do 2-3 at a time.