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Everything posted by isislc

  1. Ok, as some of you know, I had major knee surgery last year and it is now 8 months since. I had quite a few major setbacks in the healing department, so to say that I have been back to boot camp since January is pretty much a miracle. Ok, now my problem. Ever since I had my surgery, I have found that when I get up from a sitting position, it's like my leg needs to catch up with my brain to be able to start walking. The leg that had the knee surgery is always cramped and it takes a few steps to get the walking problem worked out, in which case, about a min or two recovery to walk normal. I n
  2. Write a letter to the 3 CRAs and demand that they remove all information in regards to those accounts that you are an authorized user. If you have a previous copy of your CR showing you listed as an AU, you may want to include it with your letter since by now they probably updated it as you being its owner. They should remove all accounts related to the offending accounts since you are not legally responsible for the balances as an AU. From what I've read, you've only been battling with the OC which will get you nowhere since they just want their money. Go to the CRAs and send everything Regi
  3. My DF is definitely guilty of the "Cement Block" or "The Crippler". I always end up yelling at him because I'm usually left to plunge the damn toilet. Keep telling him to leave it at work.
  4. How to Poop at Work We've all been there but don't like to admit it.. We've all kicked back in our cubicles and suddenly felt something brewing down below. As much as we try to convince ourselves otherwise, the *WORK POOP* is inevitable. For those who hate pooping at work, following is the Survival Guide for taking a dump at work. *CROP DUSTING* When farting, you walk really fast around the office so the smell is not in your area and everyone else gets a whiff, but doesn't know where it came from. Be careful when you do this. Do not stop until the full fart has been expelled. Walk a
  5. I'm not sure about any of you other guys with the old Cabelas cards but it's official that I was given a Chase card! I never received it so I had to call to have the card cancelled and a new one sent out. I like this deal better than the last, the account is now with a prime lender. Hope everyone got their replacement cards too!
  6. I would only add her to a couple of cards. She won't get a bigger credit score with the more cards you add. The fact that you almost maxed out the card will be displayed on her credit report. It will show up as her High Limit on the account, this is kind of frowned upon if you go over the limit. Everything current will still be reported how it looks now but the "High Limit" is kind of like the account's long term history. Otherwise, nothing really negative will come across on her CR as a result.
  7. Depending on who your primary card holder has for a lender, they may either add you just like that or else he/she would need to request a form from them. This would require your personal info, including you SS # and a copy of your ID. Mine had Chase and they sent me a letter directly, asking for the information to prove my identity. Once the requested info was returned, the account was added to my CR shortly afterwards.
  8. Np, I used AU to start out my credit rebuilding with a family member. Never had a card, just piggy backed. Now I have enough of my own credit that I had myself removed from the cards but I still get the positive reporting with the accounts for at least 10 more years.
  9. Maximum Fico utilitzation is between 1-9%, so it's recommended by keeping a small balance on the card. Paying them off in full each month would be the same thing as keeping it at 0. The only thing you do by paying them off in full, other than paying interest, is showing the CC company that you use the card and keeps it from being closed for non-use.
  10. Only difference in reporting is that one will say Authorized User on your CR the other won't. It will look as if it was their own credit card. Both groups actually reap the benefits of all the months of reporting. Not just the month in which they are added onto the card but for every month before that time since the card has been in existence. For example, I was added onto a friend's card as an AU and since then I've reaped the benefit of 12 years of perfect payment history. The funny thing too is that I was removed last year and the CC still continues to update every month with the reporti
  11. If anyone is still interested, I've decided to leave access to my discounts open till the end of March. I've had a few people taking advantage of the discounts for buying computers. Remember, this is anywhere from computers to moving/relocating. Some of the vendors include, Target, Sears, Kmart, HP, Dell, Toshiba, Best Buy, Foot Locker, Etc. The discounts range from online shopping discounts to coupons you can print off at home and take it in to the store. Just PM me if anyone is interested and I'll give you the login information for the site. Believe me, it's well worth it. I do not get
  12. Well yesterday I went to my massage and OMG that felt sooo good! I had her work on corrective massage for the muscles that had been overcompensating with my surgery and work on my triceps which I hurt a couple of weeks ago. All I can say is WOWSA!!! I still had huge knots in my triceps that she was able to mostly work out. Then she went to work on my calf with the bad knee. It seemed like I had a permanent knot that no rolling or massaging would ever be able to get out. I swear, at the end when she did that it really hurt as she started but then I felt that knot release and I passed righ
  13. Thanks Snow. Yeah, bringing your own snacks is the sure way to stick to your plan always! Today I'm supposed to meet my sister's family at a water park in a hotel where they don't allow outside food to be brought in. I've already gotten permission to bring my food due to dietary needs. Most places are really good with that. As for the abs, oh yeah that feels good doesn't it? I had a botched gall bladder surgery years ago where they had to gut me like a fish to save my life. I have a scar that runs completely across and because of all the damage, there is a nice pocket of belly fat there I'v
  14. You gotta share some with us!! hee hee. Hope you recover well from the surgery. You'll get the weight off. Just eat healthy and don't try to do too much now that you've had the surgery. That one can really damage you for good if you're not careful and overdo it. You have one good thing going for you and it's that you're a guy. It's so much easier for you guys to lose weight than it is for the rest of us. Just eat good healthy meals and cut out most of the sweets and fats from your diet and you'll be good to go. Walking is also your friend right now. When you get a chance, take your new p
  15. If you wait, you "may" have a better chance of getting a bigger CL than $150. It would be better off too because lets say she went shopping and spent $50 on the CL of $150, well she now has 33% utilization on just that amount. Now, lets say you wait the 6 months and you get a $500 CL for doing so, that $50 of the $500 has now turned into a 10% utilization of that card. Remember, when utilization is calculated, it calculates utilization of individual cards AND overall utilization of all the credit you have. So, small CLs can hurt you if you use them and don't pay them off right away. It's be
  16. Yes That would be the best option. Because you're both married it shows that together you're able to maitain the responsibility of having a high CL card over time. No. She would be scored within a bracket of individuals that are under the same circumstances they are for determining her score. Then it would be a matter of time for her score to build history from there. Credit scoring is actually determined by matching you up with a group with similar circumstances. The two of you would be in separate groups. You as a card holder with X number of CCs and being the primary accountholder com
  17. This is the part I loved. I've had the same type of argument with Cap1 and it always felt great when they say they apologize you ARE right! lol. Good job!!
  18. J_Snow: Nice reward for all the hard work!! If I had the time I would want to head down there. Right now I'm probably going to settle with a trip to Vegas with my daughter for her Bday. You're doing good on the weight loss. Keep it going! Don't forget, as much as you want to eat all that yummy food on the cruise, RESIST!! lol. Well so far so good. I've finished my first month of boot camp into our transformation challenge. I feel great and sore at the same time. Decided to pick it up a notch and started doing core strengthening/Kwando/water aerobics at Bally's. Last week I did 45 miles o
  19. Authorized users are still in effect. If you do a search, there have been several articles posted that it was more of a rouse to get people to stop paying to get on other's CCs for reporting. AUs are still alive and well and although they were trying to discourage immorale activity it wasn't necessarily to discourage valid family members from becomings AUs. As for joint users on a card, Yes, the CC company will usually pull the CRs for both people going on the card. Now if she doesn't work and you do, no worry there since the majority of applications now ask for Household Income as opposed to
  20. Haa haa, I love it. We have the problem at mine and DF's work about lunches being stolen. His gets stolen every now and then and no one will touch mine since it follows mostly a vegan and gluten free diet which everyone says is psycho food. So, my food is always there when I want it.
  21. OMG that's too funny. I woke up earlier this week craving Chinese food and Sashimi. Although Sashimi isn't too bad, it's sushi with the fish slice laying on the rice but rice is no no right now
  22. RESIST! RESIST! But I know what you mean about the restaurants popping up. I want to go back to eating sashimi again but really can't. Although the raw fish is fine, the rice isn't. I'm down 14 lbs in 3 weeks and don't want to blow it now. Yesterday I woke up wanting Chinese food. Been working out too much that I want to eat more and although it is somewhat of a good thing, it is possible to overdo it in my case.
  23. Yep, the FHA came around in the fall. Right now all first time home buyers are eligible for the 7,500 tax break. They are trying to pass a 15,000 break for ALL homeowners in the stimulus package. That would be a step in the right direction, I think.