cheyenne52883

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cheyenne52883 last won the day on June 3 2011

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About cheyenne52883

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  1. I don't have any negatives but my husband does. Would I just apply by myself? He makes more but with a loan that small, I don't think it should be that hard to qualify.
  2. I like to daydream and look for houses knowing that I am not prepared to buy. Today, this may have gotten me in trouble. There is an ADORABLE house for a mere $45,000. We can get together a downpayment of about 5% but did not intend on buying soon so that is about all we can come up with. I have decent credit (652 according to Credit Karma - I know it's not accurate) with NO negatives. My husband is 623 (also from Credit Karma) with several OLD (all past SOL) negatives. We make decent money ($81k according to W2 last year) and have a new 401k with about $2,700 in it. Do you think it is even worth trying to qualify for a loan? If so, should we try a FHA or a traditional?
  3. My husband and I are preparing to buy a home as soon as we finish saving up for a down payment and closing costs. We make decent $$$ ($75,000 a year) and my credit is pretty good (660ish) but my husband's is pretty ugly (630ish but with lots of old collections). I plan on trying to remove as much as I can but I was wondering if old debt is a major problem when in comes to FHA loans (I have heard both ways)? All of these debts are at least 3 years old from the DOFD.
  4. There is some dispute on this... Since we don't have an exact date since they never sent us anything I am not sure if it is out of SOL. Also there is the fact that this is a debt supposedly owed to a private college. This is NOT a student loan. This is a college claiming my husband owes back tuition. From my understanding since it is a private college and not a loan it is basically the same as a unsecured personal loan. It is a cellphone and it records a number everytime they call. I also have the issue that it's my husband's debt from and they are discussing details with me. Is that a violation as well?
  5. Nevermind the email thing... I will just send an old fashioned letter with return receipt. Then there is no disputing it.
  6. Other than the fact they said "We are calling because you made a request for more info on this debt" I don't have anything... Now they have my voicemail message stating that they are not to call but that's it. Guess I will start over with a letter. Is email with the reciepts something that would work?
  7. I DV'd BEFORE they contacted me.. I saw this debt on the credit report and DV'd and then they called. They have NEVER sent me a letter.
  8. I have a collection agency that won't call and won't DV. I sent them an email to DV (I know it was not the best approach but they received it since the called me about it) they claimed they send the forms before 9/14 (when they called), I told them not to call me at that point (9/14). They called again on 9/27 and I told them I needed DV and not to call me again and since I already advised them of this, I would take legal action the next time the called. Now they just called AGAIN. Still no DV and now I am REALLY fed up. Once upon a time I remember seeing a letter saying basically "you violated FDCPA this many times which means I can sue you for X number of dollars and here is the court document I am prepared to file unless you want to settle." Anyone know where that letter is or can draft me up a quick one to send?
  9. I actually just looked into that... A standard SUV for 1 week is $491 and not including gas (but we'd be paying that either way). Say we do that 4 times a year and we're looking at about $1964. Break that down to a monthly fee and it's approx 164 month. My current payment is $242 so if I keep the payments below $406 (current payment + rental fee broken down to monthly cost) it would be cheaper...Right? I am not sure if my math even makes sense... I would be shooting for approx $300 a month payment...
  10. I know but the interest is 17.50% and I don't wanna pay that again... I was desperate at the time. I bought it knowing that the interest would be horrible but that once I cleaned up my credit I would refinance. I did not realize that by the time my credit score jumped the balance owed would be too low to refinance and then I was laid off.... Right now I only owe $90 in principle. We have 2 SMALL dogs... Only 10lbs each. The main issue is their kennel and the guinea pig cage. I am not willing to pay $25,000 for a car (especially at a sh*tty interest rate), and I am not looking for a van. I am looking at about $15,000 max. I am a cheap skate and although I want a larger vehicle, I still don't want to pay much. Plus I also want something with decent gas mileage. 17mpg city would be the lowest I would go and it would have to be a decent size vehicle to justify that.... Like a Kia Sportage.
  11. Yeah, I know. I am paying too much interest on my current car too but I cannot refiance because: 1) owe less than $7,500 (owe $6,500) 2) not enough time at current job I got my current car 3 years ago with REALLY bad credit (450-500 score) and now that my credit is better and my income is higher, I still can't refi.
  12. I guess I just need to decide if having a larger vehicle is worth the 18% for a year... We just recently moved and make frequent (every couple of months) 5 hour trips to see family. Packing me, my husband, our suitcases and all the pets that travel with us (2 dogs, 1 cat and a guinea pig) is quite a feat in my little 2006 Kia Spectra. We really could use something bigger but I am not sure it is a necessity....
  13. I have been looking at getting a new car (well, used) because we need a bigger vehicle. I am still cleaning up my husband's credit so decided to apply at a local credit union using just my credit and income. I was denied because I have only been at my job 1 month so far. They said the income ($35,000 a yr) and credit score (approx 625) was not bad but I needed more job history. They suggested just getting financing through the dealer and then refinancing with them in a year. Is it even worth applying with the dealer? Will I be turned down there because of my short job history as well? Opinions? Suggestions?
  14. **** I copied and pasted my post from the collection forum to here because no one seems to know the answer to this question*** We have a collection agency after my husband for a supposed debt he owes to a private college. I think it is out of SOL but I wanted to see if I could get info since it is due to a school and I know that there are a whole other set of rules regarding that. 1) It is NOT a loan. This is tuition that the college claims is due. 2) It is from a PRIVATE college so it shouldn't be the same as a public school which is backed by the federal government 3) My husband said he believe he attended in either 2003 or 2004 but the collection agency says they have a letter from the college stating he owed money and it's dated 1/2005. They are sending me this info. Even if I go by the 2005 date SOL should have run out in 2009 and it should have to drop from his credit report in 2012. Any input would be much appreciated.
  15. We have a collection agency after my husband for a supposed debt he owes to a private college. I think it is out of SOL but I wanted to see if I could get info since it is due to a school and I know that there are a whole other set of rules regarding that. 1) It is NOT a loan. This is tuition that the college claims is due. 2) It is from a PRIVATE college so it shouldn't be the same as a public school which is backed by the federal government 3) My husband said he believe he attended in either 2003 or 2004 but the collection agency says they have a letter from the college stating he owed money and it's dated 1/2005. They are sending me this info. Even if I go by the 2005 date SOL should have run out in 2009 and it should have to drop from his credit report in 2012. Any input would be much appreciated.