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AboveAverage

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AboveAverage last won the day on September 28 2008

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500 posts and hasn't been banned yet....

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  1. I agree with you....I personally don't need anymore right now, and I'm just focusing on growing the limits on what I got. What is so special about the E*Trade card though? AMEX I understand, as folks seem to like getting fluffed for having an AMEX in their wallet.
  2. Cav, I had gotten a similar card in the beginning (Rewards 660) and I fired it after 6 months. A complete waste of money and time. I started in addition to that with Macys and CJ. CJ helped out a lot, and that was with the initial $1500 (now they're hooking up with $2500). I would try a HSBC card as they were able to give me love initially. I opened up with them in 1/08. I also hear Crap 1 likes giving people love. Otherwise, with those scores, I would take the secured. Honestly, and I'm guilty of this myself, I don't know why secured cards get such a bad rep. Yeah, the bad thing is that you're short x amount of dollars, but if you use it properly, you get it back after a year (and sometimes with interest, but in my case, I won't...but I wanted to strengthen my relationship with BOA so I didn't mind it in the end). I would definitely get a secured, IMHO.
  3. Not for nothing, but if you participated in no criminal activity, why spend money on a lawyer just to pal around with you? If you didn't do anything wrong, I would just show up to the police station. Then if the police arrest you for whatever reason or even if they want to question you, you invoke your right to be silent and your right to an attorney. Even in PR, they have to Mirandize you. Once you say the magic word "lawyer", they have to ST(x)U and leave you alone until your attorney comes...oh sure they will book you and send you to a nasty jail....but if you did nothing wrong, nothing bad will happen to you. So rather than have an attorney come with you, just have his number handy in case you need it.
  4. Don't bet on that. I had a talk with a Wamu supervisor who flat out told me I would never get a Wamu card, even if my scores were 800 because I burned providian back in 2001. I am truly hoping that Chase plays ball....and I even hope Chase fired that POS.
  5. I can see why jq26 left number 9 out when he posted that the other day...lmao.
  6. SB, Thank you. You definitely were helpful with one of my issues in the credit repair process and I definitely tip my hat to not just your help and advice, but to your deserved success as well. I hope you aren't too much of a stranger, and if you are, I hope to be not too far behind you. 11/27/08 is the anniversary of my rebuild (when I got my Macys card), so it is my hope that I'm not terribly behind you in homeownership. But I'm thinking summer '09 is when I'll be both ready AND still have a buyer's market. Much continued success, congratulations on both the house and wedding, and please...don't be a stranger.
  7. If they move me to Wamu I will get instant denial....all because Providian got burned i 2001.....(sigh...) It's cool though because hopefully Chase will play ball with me and as-much-as-I-would-like-to...I really don't want to apply for more credit right now. I think the hardest thing about this whole process for me (rebuild and repair) is letting the stuff you do have marinate for sometime before applying for new stuff. I think by next May, I should be ok. In the beginning, I was content with getting my foot back in the door...now, I want 4 digits left of the decimal when I apply for stuff. I look forward though to continue reading this thread though. Especially when Chase starts getting involved (if at all).
  8. Sounds like you are on the right track. I don't personally know what your timeline is for getting a house, but if you can, try getting at least one installment loan (i.e. secured loan from a CU or bank) that reports to all three. That will add to your nice mix of TLs and definitely give you a nice score with on time monthly payments.
  9. If it's within 3-6 months, that's probably true, especially if you're app spreeing during a turbulent economic time like today. Otherwise, not so much.
  10. How about that nice 936 Dow jump today? My 457 contribution landed on Friday 10/10-tail end of the worst week spiral. My contribution bought double what I normally "spend" on stock....so after today, I am probably going to see a nice boost in my 457. I won't have all of it back of course (right now), but still hoping that by week's end, we end up above 10K on the DOW. Confidence is starting to come back.
  11. Is Cabela prime? I've been to their website and it looks a bit dingy for "prime". Or is this one of those "don't judge a book..." deals?
  12. Even then, the Government would initiate that process for you. Also, if you're not going through WP, you would have to bring mountains of evidence that changing your SSN would help in preventing harassment or abuse; like Isis says "your life counting on it" [sic].
  13. Not true. You most certainly can get FICOs with an FA.
  14. Well, if you do use Internet banking, you can find when the check was processed and print that information out. That's your proof right there (you won't need to wait until your check was cashed by them, only when your bank sent the check). I am with Denita, you need to contact the association/management company before you contact the lawyer. I'm not entirely sure if this was their mess up, or yours, but you need to get this straightened out before you contact the lawyer.
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