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hypersloth last won the day on April 8 2008

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About hypersloth

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  1. wow thanks! I was sure glad I found these boards when a few years ago I decided to repair my credit. My Orchard card is now 3 years old almost to date. I've had nothing but good payment history on it, and it reports to all 3 CBS. Worth the $8 / month if you ask me. Ditch the monthly monitoring and go with this if you have to choose between the two. make a note for yourself and another note somewhere else to remind yourself to PAY THE BILL ON TIME and that EVEN IF YOU DIDNT put a charge on it, you MUST pay the $8 per month charge the card charges... It has really helped. Almost everything
  2. I've gotten my credit back up to where it should be, not sure how really other than following some of what is posted on here and, mostly TIME. Around 768-800 for the scores (FICO) How true are these scores? We are looking at buying a house soon, possibly within 6 months. I need a wireless phone as my company is no longer going to provide phones to us. How big of a hit would my credit take with a new wireless plan? I have very little credit currently on thebooks at the moment. Thanks
  3. Ok so, how accurate are MyFico scores? A couple years ago I was watching my credit repair efforts and my scores were pretty low. high 500's or low 600's. Since then, a couple things fell off, I resolved one and had it removed from the reports (yes they can do this). I joined around 3 years ago, and also picked up the orchard tri reporting card with the $300 limit. I checked about a year ago, and my truecredit fakos were around mid 600's with TU being 705. I checked my fico score and my fico was low, around 630. Today I just looked, and it's saying I'm a 768 or 2% risk factor (top tier!
  4. I guess I wouldn't worry if it wasn't for the fact that I can't find ANYTHING near what that house was. It had everything, even how the yard slopped down toward the driveway and the garages were hidden on the side and below the house with a nice retaining brick wall that matched the brick on the house. Everything I see now has no trees, shrubs, straight flat driveway with garage in the front, the kitchen and living room is like one long room, and the construction is very flimsy. This was a beautiful custom home , albeit a bit smaller than the rest of the houses in the plan, it was a colonial
  5. The dream is a bust. Just as I said would happen. Someone came in 2 weeks after our initial offering with an offer to buy the house without the contingency. I pretty much knew this was going to happen. I have the worst luck. I'm the guy that while others are talking about their bad luck, I can't get the words out to say NO I HAVE the worst luck because I'm being chased by a cloud and lightning bolts. BUT, I'm hoping to some day find something that we can afford that is equally appealing. I'm pretty doubtful as , like I said it had everything perfect about it for us. The bedrooms were s
  6. Thanks for the info. We countered with them raising the price of the house to allow us to have the same seller assist. It will raise our payment to $1618 a month instead of $1607....and we will need another $200 to get into the house. SO, I plan on making sure we make that up and more when we sell our place. Which after reading the last comment, gives me some hope. I have granite tops throughout, plan on putting in new carpet and tiling the foyer area with marble that I picked up very cheap. Very nice too. I just replaced one of the last lights in this house with something much nicer and m
  7. Be sure to have your name removed from anything he could charge to. You are held liable for that debt. Even if he agrees on paper to do something. You can take that paper to court all day and all you will get is a big bag of NOTHING when he has nothing to give. So be sure to get your name off ASAP and work on your own credit/debt issues. Takes awhile...but one day you start breathing a bit easier because of it. Especially if you just keep your head down, keep working and keeping saving. I feel a freedom like I haven't felt in a long time not having to deal with Junk Debt Collectors or tr
  8. The wind has been let out of my sails folks. Agent called today, "are you sitting down, I have some particularly disturbing news" I'm thinking, they have another offer and want us to take the contingency off and carry two mortgages. "Well it seems they confused the offer..." To make a long story short, what they heard sounded like 10 thousand more than what we were offering ...another 1000 more. Why we would counter with 9000 more than what they countered with, WHO KNOWS. But they actually went to sign the paperwork under this notion. SO, the owners are apparently upset once my agent said
  9. Thanks for the advice. No we have an agent. Met with the woman from the agency tonight to sign a conditional offer and put up $1k 'hand money'. She went over all of this very well with us including contingent on positive appraisal. I think she said that FHA loans must have these but wasn't sure...or maybe it was the bank. It's kinda funny, the mortgage broker we went with isn't sugar coating a thing. He's very straight forward and a bit rough around the edges. He's went off on a 10 minute rant about how we lent to people based solely on their lack of ability, what did we think was going
  10. That's actually what the broker stated as far as %, I had it wrong ...it was late. Yes, I believe he is trying to get the best # for us toward getting into the house. He originally suggested that we ask for the full 6% which is something like 13140 off of the house. The owner was willing to do $5000. That's a big difference. As far as comping the deal, well - it's in a neighborhood with $500k + homes. It's smaller but still 'fits in' well. It's $220, has 3 bedrooms - a finished basement , two car garage, beautiful lot, fenced in back yard with maint. free fencing, a heated inground pool w
  11. Greetings folks, been awhile. Anyway - finally got my credit a bit better. My credit scores are 674,674,675. My fiancee's are 715 around. She has a 100k house in her name and TWO vehicles. One is actually mine as I didn't have the credit at the time to purchase one. So here is the issue. We found a house that we love. We are not searching for anything else. It's this house or we are staying put for another 5 years. It has everything we want, where we want it, and the $$$ is very good. The seller is offering a $5 toward closing costs and the house is $219,000 without negotiating $ yet
  12. I was under the impression that these folks at Sterling were pretty good with lending to those with 'challenged' credit. I applied and was declined. Of course, they only pulled from EQ, my lowest score! We had a ring lined up and everything. Money coming in, credit on the report taken care of to the best it can be. Negative Tradelines = 6 but most are under $50 and will fall off at the end of the year or sooner. Only one is for over $1k and it was a big debacle. Original debt sold twice and boosted to over 1k from 200. Due to fall off in 1.5 years. My FICO scores are all around 620-590.
  13. same here. I admittedly had an open account for about $100 still with Verizon that went to collections. At about year 5, AFNI bought it out and reaged it back 2 years and changed the balance from around $200ish to $650+. I did all the necessary stuff to try and get it off but honestly I don't think any of this stuff works. All they do is say "yup it's real and valid" and the CB's believe them. You can send them letter after letter explaining to them that they have illegally raaged the tradeline etc and will receive NOTHING in return but nagging phone calls will increase. These companies
  14. Ok so I found a new item on my report since starting my journey over a year ago to fix my credit, talked to the OC and had them send a letter stating they did not follow the proper guidelines nor did they ever contact me about an outstanding debt and with full payment would delete the tradeline. Didn't believe them, was just about to pull out the letter and go to work then WALLA, the tradeline disappears. So I check my scores. 640-600 on TU and EX, EQ drops to 575 from 630. Sigh. I feel like I can never get ahead. Medical issues that stump doctors at a young age couple with panic/anxiety dis
  15. Honestly I don't think there is anything you can do. IMO once you have something on your credit report, the only thing you can do is fight to have it deleted......slowlllllllllllllly. most of the time they come back with Oh yea we are following the laws...pfft..as if. Paying them resets the timer, imo again - stupid..even if it is your debt. Why penalize yourself more? If you have a moral feeling to pay them, wait till it falls off and then send them a check. check to make sure it won't reappear after that point though. Personally, never gonna see a dime from me for this very reason. I c