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Everything posted by Dre

  1. Yes, I was involved with the industry for 2 years after college and I enjoyed it; mostly the self growth and improvement. I was very young and looking for something, but the company wasn't for me. When you are involved in any MLM, make sure you conduct your research like you would do anything else. Anything can sound to good to be true, so you want to make sure it sounds good to you - take your time. To fast forward, I was involved with 5 MLM's before I found the right one and even taught 3rd grade for 5 years before hopping back into the industry. With anything, it has it good days and bad days, but the good days are outweighing the bad. Overall, do research, gain a belief in what you are doing, and share it with others!
  2. I have been involved in the Network Marketing (MLM) industry on and off, and I'm glad I decided to get back involved after being laid off last year. If you start any business, make sure it's a passion and something you enjoy doing! Whoever thought a passion can be a vehicle to generate another stream of income for you?!?!
  3. Dre

    Hey, Hey!

    Hello Everyone! I hope 2012 is going well for everyone, because I have been busy and used to be very active on the boards. I was laid off last year and I had to get things taken care of with my life, so my credit score and the success I have been having throughout the last 5 years didn't make me regress. Well, I have been doing AMAZINGLY WELL but it took a lot of focus and dedication. I have been traveling the world and promoting a health challenge - The Body By Vi Challenge. If you are looking to get healthy this year or know of anyone on this path, please let me know. I have helped many families and individuals get out of debt this year and dream again. I hope all is well with everyone who continues to manage their debt and dream again. Continue to be the success you want to be in this life! Keep Enjoying Life! Welcome
  4. Never mind..she is now telling me it was a personal loan through the bank. She needs to start the DV process. HAHA!! Thanks for the advice!
  5. Thank you Hal! Because this helps guides my advice I should give to my mother. THANK YOU SO MUCH!!
  6. Well, hello awesome people! I have been gone for awhile, and I'm back for some suggestions with collection advice for my Mother. She has finally paid off all of her credit cards, and now she is ready to tackle this burden of student loan debt. She is turning 60 and retired this past summer, but she is receiving letters from Pioneer Services about PS taking action on garnishing her wages. I know she is not working, but I'm trying to think of the steps she should take. In the past, I have only dealt with personal loans and credit cards, but never with student loans. She does live in Texas, but I don't know if the same laws apply to student loans since those deal with federal government. Could anyone point me in a direction where I could become more knowledgeable about student loan collection in Texas? Do the debt laws still apply to federal loans? Garnishing of wages - I know the federal government could freeze her account... Any words of guidance will be much appreciated!! Thanks!!!
  7. Good luck with the car situation and I hope your baby is doing alright as well! Hang in there and you're doing the right thing - You don't want any car payments. Great choice on using friends, family, and even neighbors to help you out!!
  8. ...unless you pay for the car in cash . If you decide to get a credit card - get one - Bank of America had a great secured credit card I used and then BOA graduated it to an unsecured credit card after a year.
  9. As stated above, keep the paper trail, get everything in writing before sending in any payments...
  10. It's great you are working to repair your credit! If I were you, I would worry about cleaning up your credit report first and leave the credit cards alone since you and your husband have been managing to live cash only. You are on the right track, so keep reading the forums on the website! Be patient and check out Dave Ramsey even.
  11. I believe there is a period when auto dealerships pull all 3 credit scores, but the excessive inquiries do not hurt your credit score. I forgot the allotted time, but I'm sure an more experience poster will have better information. I believe if it's the same as searching for the interest rate that fits you best for your house...
  12. Hey there, J! Good to hear from you - glad all is going well!!
  13. Exactly! I wouldn't use any of the products, but it's nice to have the EX score and report for free!
  14. ^^ Agreed. I disputed my personal information which was incorrect - personal addresses, names, employer's information, etc. When those were a success at removing, I move onto the collections since I had the "paper trail" system down.
  15. I use these two FAKO websites for a "snap" of my credit score: Credit Karma (TU) and Quizzle (EX) - both are free and I usually check my score 1 a month or every other month on the 1st. Do you have to get a secured credit card? Have you tried applying for a "basic" unsecured credit card? If you're shopping for a credit card, make sure the credit card will benefit your spending needs (rewards program) and PIF at the end of the month.
  16. I would stick with 2; department store (Target/Best Buy) and a Mastercard or Visa - if possible, try not to get any with annual fees. On time payments and history with patience - you should start to see an increase in your credit score with positive tradelines. Remember: each time you apply for credit, the inquiry will have an effect on your credit score. (Hard) Inquiries remain on your credit report for up to 2 years; don't get credit-applying hungry.
  17. I wait for my statement to come out for the month and then I make sure to PIF before the due date...of course . I only use 2 credit cards currently but by the end of the year, I will only use one. I'll charge all my expenses for the month (usually auto-debits) on the CC and PIF at the end of the month. That's my method and keeps me out of debt! Stay within your means. PIF at the end of the month. Use cash when you can. Good luck on your repair journey!
  18. Mine are consolidated and in the deferment period - they don't seem to hurt my score at all. I'm sure the loans would have a negative impact on your score if you missed a payment. I owe about $35K in student loan debt and my scores are above 700.
  19. ...another reason I'm glad I did my research about the debt laws in Texas! Gave me a great upper hand when dealing with the collection agencies.
  20. It'll take some time and patience. I would pay the amount in full each month and your credit score will gradually increase. You could do this method to show activity: Use the card for a small purchase - gasoline, out to eat, etc which is about 10% of the credit limit ($30 bucks in your case), let it report to the credit report agencies, and then PIF. ..and it already seems Capital One will already increase your credit limit after 5 on-time payments. Best of luck!
  21. Great question and I hope my advice gives you some insight as you prepare for your Credit Repair Journey. When I started dispute TL's I focused on categories. For examples, if I had 6 accounts in collections, I would dispute with CRA's one at time. I would send one letter and wait until I felt comfortable when doing multiple at a given time. The most I disputed at one given time was 2 and I did it all online. There are many ways to approach the credit repair process, but you want to do what works best for you. Plus, you need to keep the paper trails of each TL's you dispute; it'll make your life easier. I started by disputing my personal information, and once I received some victories there...I moved onward to the TL's.
  22. I have started using Quizzle for about 2 weeks, and I haven't had any issues. Though on the first day when I signed up, I did receive a phone call for Quicken (the owner) about refinancing my mortgage, but I clicked on the product ad that popped up. The website does give you the credit score from EX and your report. You can update it, but they do have products/links for everything! I only use it for the credit score and report (kinda like Credit Karma which pulls TU). Just my 2 cents... Pros: -EX credit score and report free -Can update the score -Has a blog Cons: -Product links (which some may be useful for those who might need the assistance) -Some pop ads, though related to the site
  23. Yep! You are in good hands with both of them! I've read many posts by Amer and Strive in the past when I was around your age when I started my credit repair journey. Though, I had many mishaps on my credit report, but fast forward 5 years - I have a great house and car I had to purchase with my great credit score! Do what they asked you to do, and BELIEVE ME, you will be ecstatic when you receive your results and watch that credit score JUUUMMMPPP! Just a brief: When I started, my credit score was 528; now it's 750! ...and you know I'm excited! (stick with this website and post all your questions and concerns!) GET ON THE GOODWILL LETTER and good luck!
  24. FINALLY!! After years and years of not seeing a CLI from CHASE, I checked my account today and my limit was increased by $3,500! Huge limit on this card, but everything is put on it throughout the month and PIF each month! SW CHASE card and the reward/flyer points build up rather quickly!
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