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Everything posted by cap1kid

  1. Another thing to consider- your score will vary amongst the 3 major CRAs. You may be comparing a Experian FAKO to an Equifax FICO. You can go to once a year for a free report from each agency-allowed by federal law- and not to be confused with paid monitoring services. These are the accurate reports and should be the ones you use for credit repair. The scores you have to pay- the place to get real FICO scores is , they only have EQ and TU (EX quit allowing them to sell their score) The score will give you an idea of you financial situation. I would ge
  2. You can get turned down for a secured card. It happened to me with a local credit union. I later transferred the money to NFCU and waited until I hit 1,000. With them you have to apply for a credit card first- and then request a secured (if denied) I still had to send proof of income. Credit repair is about a 6 month process- credit building takes about a year and credit management is a lifetime commitment. You just have to be patient, and willing to change your habits. Good Luck. I'm at about the one year point- I can't fix anymore on my report- even though 3 bads remain( I have to live with
  3. What did you think of "THE SCREAM" by Hokey Gokey at the end of 'Dream On'? If this was the Gong Show- he would have been done about midway through that note.
  4. I think you need to start a post in the thread 'IS THERE A LAWYER IN THE HOUSE'- a lot of people with more legal knowledge respond to that thread. I'm no expert- but common sense says you were victimized- I've heard NACA lawyers are experts in these type cases.
  5. I've got you beat- $10.02!! I can get two subway subs- and have 2 pennies left over. My favorite bargain is what I call the 'poor boy combo' at McD's: From the dollar menu- McDouble, 4 piece McNugget and a Sweet Tea- total cost $3.
  6. I smell a lawsuit- you suffered damage as a result of this action. I would document everything, contact a lawyer and file a lawsuit right before the SOL is up.
  7. Wow!, that's the first I've heard of Kay closing accounts- alot of people got the Sterling Trifecta- wonder if they will be closing those too.
  8. cap1kid

    Swine flu

    wait Until The College Kids Who Have Been On Spring Break- Or On Cruises To Mexico Get Back To School- And This Thing Spreads
  9. The press in Mexico is blaming the recent outbreak of Swine Flu on a Canadian tourist who came to Mexico via the United States two weeks ago. The unnamed Canadian citizen remains hospitalized in Mexico City
  10. With all this talk about the Federal Gov't allowing anyone to come to the United States to seek medical free medical treatment, regardless of legal status, it is time to allow amnesty to these medical refugees. This could be the spark that finally gets the free health care fire growing. In my opinion United States Citizenship should be immediately granted to anyone who comes as a medical refugee. The world has become a village and it is finally the US's responsibility to help all World citizens, regardless of political, medical or social status. There are millions of people in Africa needlessl
  11. I agree with the CARFAX suggestion, around here alot of people buy cars at auctions and try to pass them off as 'family owned' cars- they have a different car in the yard for sale every week. That goes for car dealerships too, just because it's on the lot- doesn't mean it was a trade in. you can find reviews and costs for used cars, and some great buying advice.
  12. I finally got a telemarketing call, after reading this post. I used the Andy Milanokis bit where he's interviewing someone- lets them talk for about 2 seconds- says "stop"- few second pause-"ok- go ahead"- then keeps stopping and starting the conversation- really throws them off. It was the dreaded- Do you want to lower your credit card payments calls. Needless to say- she hung upon me- not the usual other way around!!
  13. The most important job on the world!
  14. cap1kid

    Swine flu

    Close the border, NOW! :@)
  15. My annual earth day traditions: *in my neighbor's yard dumping out the old gas and oil from the lawnmower and putting new in *taking off the catylytic convertor from my 1983 ord bronco, so it runs better on the beach *cleanning out the woodstove, and chopping down some trees to 'season' over summer
  16. Funny how Obama releases the method of interrogations- but refuses to release the results. Waterboarding saved thousands of lives........I'm sick of him going around the world apologizing for the USA.
  17. EXCELLENT TRASH FIND I thought this was going to be a story about meeting some chick at a bar. My Bad.
  18. If you ever get a connection- download an alternate browser like mozilla, just in case of this situation. Then you can eliminate the browser as the issue.
  19. It can be done- I financed my car with Chase at 16%- 4 months later I re-financed with HSBC for 14%- then 6 months later with NFCU for 12%- And now I make bi-weekly payments which pays off more of the principle. I believe HSBC is no longer doing car loans. Your local banks or CUs should be able to help.
  20. If you need something for 7 passengers, I am assuming you'll be toting kids around? I'm not keen on $2,000 cars with precious cargo- even if the only problem is the occasional stall at a red light. I would recommend you seriously consider a Kia Sedona- or Hyundai Entourage - you should be able to snag a base model for under $16,000. You don't need any of the options- they are well equipped. Just make sure going into it you can afford the monthly payments at the 21% rate. Negotiate hard- tell them you have financing- DO NOT LET THEM (the dealer) RUN A CREDIT CHECK- do not let them know you have
  21. This month I will be seeing : Family Force 5 - 3oh!3 - The Maine - Hit the lights- We the Kings- Never Shout Never- the Cab Anyone hear of any of these bands? I listen to whatever my teenage kids like- and get them to download their music on my MP3- I love taking them to concerts- and the music is actually good if you listen to it, and more importantly it gives me something to talk to them about!!!!!! In the summer- Warped Tour - for the 3rd year in a row.
  22. Do you have any family in the military? NFCU would be an excellent choice. With the internet almost any CU can work if you get direct deposit, and use the account for just credit building- I would not link it to a checking account you use for everyday purchases. Don't worry about the temporary drop in score (unless you for see trying for a mortgage in the next 6 months). The long term benefits of establishing a good revolving account will far outweigh it. Nessa do the following to get a baseline of your credit : go to and get the free reports (Federal Law allows you
  23. Myfico Standard is the one that gives you the score - its 15.95 for the score and report for Tu and 15.95 for Eq - EX is not available: Here is a 25% discount code: CPPSAVINGS I'm not sure if the code still works. Don't worry about the EX score..... So the total for both scores will be $22.33- I wouldn't bother with the monitoring services- do your disputes , let you accounts age and check the scores in 6 months to check your progress.
  24. Where did you get your scores? For true comparison you should be getting them from these are the real FICO scores (the ones most lenders use) If you got your score from other sources they are FAKOS and seem to fluctuate. You can get your TU and EQ from myfico- they no longer sell experian- ( few lenders use experian anyway ) seacrh for myfico discount codes before you buy. I would get your reports from (this is the free way to get a report- allowed by Federal Law) use these to do your disputing and comparison. Over the past few years dozens of compani