dazedandconfusedincali

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About dazedandconfusedincali

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    California
  1. Orchard bank just gave me a whole $400 credit increase to $2800.00
  2. Yeah here in California, they do the funding, then when that goes through they go to record, then you can get the keys. Which is usually the day after, in my case funding came through on Friday, went to recording on Monday, received keys on Tuesday. Took Forever!
  3. I think everyone has the same feelings as shadokeeper. I know I did. I did not get my keys until they recorded the deed in my name. My realtor put the key under the rock in the front yard, and said to wait til she called me. My loan officer said go ahead and move in anyways, shes going to be calling you in a few hours anyways. So I did, we are all impatient because we have waited years to get to this point.
  4. NO one has given a clear answer on this question. Everyone wants to do it but no one knows if it is possible. Including me.
  5. I applied for a Lowe's card and got an instant approval of $600.00. It took 2 weeks to get the card in the mail. I also applied at sears and got the 10 day wait and got the denial letter on the same day I received the Lowe's card. Aren't they all GEMB cards? How can one approve you and the other deny? That is so crazy! But, Sears loss is someone else's gain.
  6. Actually, there are gift programs. Just not the ones you are thinking of. You can get a monetary gift from a Church, parent, sibling, etc. I just closed this week and I had a gift of $4000.00 from my parents. I just had to have them sign a paper saying it was a gift, and I didn't have to pay it back.
  7. Fast Eddie you already got your money? That was quick! I am closing on my home in the next couple of weeks, and I wanted to get the $7500. I need it to put back into my home and pay off a small loan. I don't know whats up with the new bill, but I don't mind paying back $500 a year for 15 years. I wonder whats gonna happen now. I don't need a deduction, show me the money!!! Good luck with you new home and Congratulations!!!
  8. This is from an article I found today on AOL : If the provisions passed in the Senate survive the negotiations with the House, there could be a $15,000 tax credit for new home purchases. Since this provision is not targeted to first-time buyers, most of the people who take advantage of this will probably put a house up on the market and do little to reduce the inventory of homes already on the market to be sold. This tax credit has nothing to do with the lower income folks. It's all about the person that can afford to buy anther property for profit.
  9. Thanks I just called them and asked them to remove because the OC was removed last year and it is supposed to drop off on 3/09 and she says we'll have dispute as wrong dates with the collection agency and you should get your answer in 30 days. I guess I just should have waited 2 weeks.
  10. I've disputed twice and they refused to remove it, but the original came off last year. I am going to take my chances but would like to know if anyone has had luck with TU.
  11. I am carrying a $1000 balance on my Orchard. I use it all the time and I think it looks good to tell you the truth. By the way, my $200 limit card wasn't enough for me, so I went to the Orchard website and applied for another card and thats when they approved me for the $1500.00 card, which is now $2400.00. And all you have to do is get the pre approval and they'll tell you if youi qualify or not before they do a hard pull. And if you qualify then let them do the hard pull. Good luck!!
  12. I need to get an old tradeline of of TU asap!!! It is supposed to come off 3/09 but I am buying a house and they would like me to pay it off, but I was wondering if I just called TU and asked them a couple of weeks early if they would just delete it? Has anyone had any luck getting early deletes with TU? I got lucky and called EX on one that was dated 2/09 last week, but it was due. Thanks for the help
  13. I am officially in ESCROW!!!! I go down on Tuesday with the Agents and the inspector and get that out of the way. I'm so excited!!!
  14. I truly believe that if you don't use your cards that they either get shut down or a credit limit decrease. I use mine and they only get higher.
  15. Thank you!! I'm in escrow right now for a house I got for $105k in Riverside Co. The thing that sux if that the Governor is cutting my pay by 10% for 18 mos. So I guess if they change their mind it wouldn't be so bad, but I've worked so hard as a single mother to get here. I was proud for a minute anyway. Wish me luck!! And by the way it is still way cheaper than renting!! p.s. my scores are now in 660's