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Everything posted by Laplander

  1. Any updates? I'm curious as to how the CEO will respond.
  2. I looked online at my WaMu account and saw that my new State Farm Visa had already done the balance transfer even though I haven't actually recieved my card yet, so I called up WaMu and told them that I was closing the account. The operator asked why and I told him that I had the card for a year, never paid late and never went over my limit but you denied me for a CLI, but yet Chase approved me for 3k and State Farm went 1500 so I didn't have any use for it. Instead of trying to talk me into keeping it he just said o.k. and told me to consider them for my next card (WTF?). Not seeing that one happening, but o.k.. It's nice to actually have a card with some real rewards and a little higher limit. Now to fire HSBC............
  3. Denied for credit. I went back and looked and saw where you can view comments so I clicked on that one and it said past exp and pyrmiding debt. LOL
  4. I just got shot down by them too, I'll have to wait for the letter to find out why I'm such a terrible person.
  5. Maaaaannnnnnn, why is everyone trying to rain on her parade for her husband's new Vette? :confused:She came her asking about rates and people are questioning their purchase. They're grown ups, if they want to buy it, and they can get it, then I say rock on! I'm a car guy though, so maybe that explains my bias. In answer to your question, I haven't seen anywhere that had a better rate unless it was the manufacturer buying one down. Enjoy the Vette!!!!
  6. I recieved my Hooters card two days ago and was getting ready to call them and tell them not to activate it as the limit was too low, when I got a letter in the mail from them saying gave me a card but the initial credit line was set because they couldn't determine or verify my income. It also said if I wanted to be considered for a CLI to fax them my paystub or W2. Has anyone else gotten one of these? I recently switched jobs and was wondering if that would affect the outcome if I sent them my W2s from last year instead of my paystub. Thanks.
  7. I'm confused, did your wife receive a big judgement against B of A or did B of A recieve a judgement against her?
  8. I feel for you, I just went the the same thing with Staples, called and spoke to a csr and then they said I would recieve a letter in the mail in 7-10 days. Why can't they just say yes or no right then so you don't waste more time????
  9. Why don't you go in and sit down with the loan officer at your bank and explain the situation. They're in the business to make money and with that kind of equity, and the explanation for your scores dropping, you would think they could make something work for you.
  10. A joint account is different from an AU, with a joint account you would basically be a co-borrower where as an AU means you just have the right to use the card, but no obligation to pay it back. If it's a joint account it should build your credit histoy too whereas the AU no longer does. At least that's the way I understand it.
  11. It means it goes from being a secured card to a regular credit card if I understand it right.......
  12. 65% (Dixie). A definitive Southern score! Who knew a little Jewish guy from Illinois would be considered Southern?
  13. Those FJ's ROCK! I had an older FJ40 which I loved, best vehicle I've ever owned and keep telling myself I should buy one of these new ones. If you ever start looking for things to do to it, go to www.ih8mud.com and check out the fj cruiser forum.
  14. This is who it is: CollectionCenter PO Box 4000 Rawlins, WY 82301 (800)442-2574 Try calling information with the company's name and see if you can get another number.
  15. Great Job!! Glad to see someone standing up to these weinie-huggers.
  16. Telecheck has to be one of the biggest scams I've ever seen, they have the power to make your life H#$@, but yet they have no idea what they are doing. Maybe they're owned by Experian or something?
  17. Have you called the branch manager's boss? If they can't get it resolved then escalate it. I had a similar problem with Wells Fargo several years ago and have gone up the chain of command several times and am still fighting them.
  18. I don't know of any banks that will loan 5000 on a HELOC, why don't you have her borow the 10k and pay the extra 5k towards it the first month?
  19. As a former car salesman who left because of a dealership straying into the gray areas too often, I have to say a lot of that article was true. The flip side of the coin is people who DO NOT care what they have to pay for a vehicle, they have to have the latest and greatest. One couple who came to me as a friend of a friend wanted to buy a used HIGH end SUV we had. After pulling their credit and working the deal, the only buyer we had for the loan was a company that took high risk loans and the interest was 20 something percent. I told them we needed to go for a ride, and tried to explain to them in private that they might want to hold off on this purchase. I wanted the sale but didn't want my friend being mad at me for what they were going to have to pay for this. The guy was appreciative and said they would take it out with them for lunch and talk about it. They came back and she said they wanted it and to get the paperwork done. For a three year old SUV they walked out with payments of over 1100 a month, just so she could drive it to her fast food job while her boyfriend worked 80 hours a week to pay for it. 72 months at 1100 plus means they are going to be paying 80g's for that thing. The kicker was the car they traded in was one that was 8 years old, but had low miles and was paid for. I'm sure that in a couple of years they will be telling people how they got screwed, cause they will be upside down with that interest rate, but I was actually trying to help them and talk them out of it.
  20. I got one with First Premier years ago when my scores were in the low 500s.
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