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Everything posted by cap1kid

  1. What is your credit like now? When you open a new account, you may get a slight decrease in FICO because of the Average Age of Accounts, on the other hand if you have a lot of debt, it can drop your utilization percentage and cause an increase. The only sure things to increase credit scores is time, on time payments and low utilization <20%. I really don't like those 200- 500 cards- because in order to keep your utilization down, you have to barely use them. If you follow my advice about the CU, and keep doing the $100 deposit every paycheck ( assuming you get paid every two weeks) in 18 mo
  2. Another thing, all you conspiracy nuts- there is no Air base in Area 51-
  3. WOW! Pikeville gets a 150,000 grant and a 1,000,000 loan--- meanwhile back in the real world JP Morgan Chase gets $25,000,000,000.
  4. I've hears BoA is getting harder to get secured cards- Is there a Credit Union in your area you can join? are you former military?(if so NFCU is great). I recommend if you have $500, put it a CU and keep adding 100 bucks a paycheck into it until you reach $1000. Then get a secured card. It gives you a few months to establish a relationship with the CU- creates good saving habits, and I think 1G looks much better as a tradeline than 250 or 500- and your less likely to get in trouble with utilization- keep the balance below 300 and you'll have a great builder card.
  5. Patience----- find a different credit union- and make regular deposits until you reach 1000. Then ask for a card. You have to show reliability. They can still lose $$ on secured card, make yourself trustworthy.
  6. False- never been to a Costco's- I prefer BJ's (wholesale) TNP- listens to Rush Limbaugh
  7. The only people stimulated by the bill were all the banking executives who were allowed by law to keep the bonuses. And these people: Wells Fargo & Co. San Francisco Calif. $25,000,000,000 JPMorgan Chase & Co. New York N.Y. $25,000,000,000 Citigroup Inc. New York N.Y. $25,000,000,000 Bank of America Corp.1 Charlotte N.C. $15,000,000,000 Morgan Stanley New York N.Y. $10,000,000,000 Goldman Sachs Group Inc. New York N.Y. $10,000,000,000 Bank of New York Mellon Corp. New York N.Y. $3,000,000,000 State Street Corp. Boston Mass. $2,000,000,000 U.S. Bancorp Minneapolis Minn
  8. HR645
  9. Didn't we just elect an admitted cocaine user who associates with terrorist, and has no real experience in the work force?
  10. How long was it between your last payment (before you 'walked away') and when you paid it off? I don't think one CRA cares what the other CRAs report- they are going too report the information the data provider gives them. If it is inaccurate- then you can dispute it. Have you gotten your free reports from yet? These reports are the most accurate- and should be the ones you base your disputes on. You are entitled , by federal law, to a free report each year from each CRA. GOOD LUCK AND WELCOME TO THE FORUM!
  12. WHEEW! for a minute there I thought you were telling us you were going to have to change your screen name to momof6! Congrats on the job!!!
  13. False- I hate WDW TNP- Spends way too much time on the interenet
  14. The problem with writing a worthless check is that in some jurisdictions it turn into a criminal matter (especially if written on a closed account). The person who received the bad check may demand payment within a given time and if it isn't paid you may face charges.
  15. Is it listed as a 'charge off' or a 'write off'? Is this negative account?
  16. I hated to see Megan go home, but why was she acting like a bird? I noticed Jason Castro in the audience- maybe she got hold of some of hid (or Paula's) 'goodies'. before the show.
  17. You might also want to check if you live in an USDA eligible area- 0 money down- 100% financed.
  18. Try this link:
  19. I'm saving my money for that too. Let me know how it was.
  20. I JUST WANT TO MAKE SURE EVERYONE HEARD THIS WAS AN APRIL FOOL "JOKE" BY MOTORTREND MAGAZINE. THE WHITE HOUS HAS NO SUCH PLANS....WillingToCope. A White House source has revealed that as condition of any additional bailout funds being destributed to GM & Chrysler, they must agree to spend at least 80% of Research and developement into 'green technology'. They must agree to discontinue participation in the NASCAR racing series. Ford Motorsports is unaffected by the new rules because they have not received money That means no more Chevy, dodge or Pontiacs in NASCAR- I can't believe this mess
  21. Do you ever close your eyes while watching idol? If you do- you can tell Anoop has superior vocal talent- he just looks goofy, and looks totally forced. Close your eyes and listen to Scott- he is horrendous. I adore Megan- she just picks horrible songs. I think Allison may have the best vocals of all of them- and she's only 16- amazing- she's just kinda weird.
  22. This was a horrible show- the only one entertaiing was Adam and Kris- Scot Mcintyre was horrible (as usual) but somehow the judges loved him. My prediction is either Megan or Anoop will be axed.