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jetscarbie last won the day on May 9 2009

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About jetscarbie

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  1. Because the risk is gone. I think some cc companies look at it like this...."I can give them money b/c they are not going to be able to file for bk for another 10 yrs" So a person that just got discharged from BK is easy pickings. If they happen to fall behind a little...the cc company is able to tack on tons and tons of fees and they don't have to worry that person is gonna run to BK court and file...b/c they can't. That's exactly why after they file BK....their score jumps up so high. They no longer have debt. I applied for a cc a couple of months ago and asked the person on the phone what m
  2. Shootingfor750...who really knows why scores move the way they do? My FAKO and FICO's scores are in the 800's. My mortgage score is 680. My insurance score is 700. My have 10 credit cards. They are all either paid off or below 12% I have no collections or negatives on my reports. NONE. All my credit limits are pretty good. I recently paid off a 8000 car loan. 4 mths later my FICO scores raised 10 points. In truth, most FICO scores move very slow. Somebody could get lots of cc offers for several different reasons. Some lending companies don't care if you have bad credit...heck, they even hop
  3. I know when I started my credit repair...awhile stirred up all kinds of new and old collection accounts. People should be warned that credit repair "can be" like stirring up a nest of bees. You have to approach each collection differently sometimes. Here's just some ideas that I did. I got all my credit reports from all 3 agencies. I got a poster board and made a chart of all collections and taglines on the poster board. Then I came here and hit the "search" bar. Like for Providian....I typed in Providian in the search and RESEARCHED the company in full. I read how others handled the
  4. It's always been my understanding (anybody correct me if I'm wrong) but if you both were on the card, you are both responsible. No judgement of divorce can change that. My SIL and brother both were on a Chase card. They were divorced and the court told my brother to pay the bill. He didn't. He filed bk. Chase then sued my SIL. I remember her being told that it didn't matter what the divorce papers said....she signed, she was responsible. She ended up filing BK. It has always been MY experience dealing with Cap 1 and listening to others...that Cap 1 usually sues. Your ex sound like scum. Maybe
  5. yay!! Glad you got an approval. I think what is different about Slate is the blueprint. I think you get to choose from 3 different ways to pay your bill.
  6. haha...Probably not to bad. Hawks are ranked #1 in West division. Saints are #2 in their division behind Falcons. Should be a good game. True Dr. Evil. But like flyingifr said it's free. And most people post everything on there. Plus their family and friends are usually on there. I would say that it would be pretty hard for a collector to know who your brother or sister was if you didn't list them as a reference....but checking facebook, you could find that information pretty easy.
  7. thanks for the advice. She's going into pre-vet. Her first choice is OSU which is in-state. But she does have a few state and one out of state.
  8. I would wait until I hear approved or denied before applying for the Slate card. If you are denied for the freedom you will most likely be denied for Slate.
  9. I'm not really sure which would be a good card for your score. The funny thing about credit cards...some people get approved..who shouldn't and the people that should...don't get approved. For hubby has better credit than me. Yet, he couldn't get approved for Chase freedom even though I could. Personally, with your scores...I would consider banking at a credit union and getting a credit card with them. They are usually pretty lax with members credit scores.
  10. I have the freedom card. I also bank with Chase with the Ultimate Rewards debit card. I just transfered all my freedom points over to my debit card to combine them with those points. I love paying bills and earning points. Then using those points at Christmas to cash in on some really good stuff.
  11. I will never understand why people post extremely personal stuff for the world to see. Do people really think Bill Collectors won't search for you on Facebook? Heck ya they will. It requires no effort on their part to find out "ALL" about you....and your family...and your friends....and your job. I don't even trust the privacy settings. My daughter said there are programs that will decode a private facebook page. ??? I dunno know about that....but I assume it is true. My facebook is all about football. So if a bill collector looks at mine all he is going to think "dang, she likes the Saints" h
  12. My daughter is a senior and she plans on going to college. I have been told that we are not going to get much financial aid if any. Her grades are very good but not super genius excellent. So I'm not sure about scholarships. My question is...what should be our first option if the above fails? What about the a second option. Her school counselor told me about parent plus loans where we co-sign. Any suggestions would be great. I just wanna keep myself out of debt and her....or as much as we can stay out of debt.
  13. TAMPA, Fla. -- Debt collectors can be relentless and downright rude on the phone, but now a Florida woman is filing suit, alleging the company that financed her car loan began harassing family members over the social networking website Facebook. Melanie Beacham says she fell behind on her car payment after getting sick and taking a medical leave from work. She contacted MarkOne Financial to explain the situation but says the harassing phone calls, as many as 20 per day, kept coming. Then one day she got a call from her si
  14. Thanks for the advice. Yes, I think we are going to try the snowball payment on credit cards first. We really hate the though of consolidating right now. I am really scared about college...not b/c my child is growing up and moving away....I am more scared b/c I didn't prepare....and didn't realize how much it was. I don't know anything about college. All I know is my daughter wants to be a doctor. She has wanted to be that since she was 5. And at some point I am going to have to talk to the counselor at school about all this information she is sending me..b/c honestly...I don't know what it me