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Posts 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 months you will have:

    1. $4400 in savings- (your initial $500 + $100 x 39 weeks)

    2. An awesome tradeline (assuming you pay on time everytime & keep Util low)

    3. A great relationship with a credit union

    4. good habits

    Another thing- I think if all your report is showing junk cards 500 limits etc. you are more likely to get only more junk. Show your responsible with a higher limit card and your credit future should open wider.

  2. 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.

  3. At least the stimulus funds are going towards real federal government responsibilities such as roads and rural fire departments instead of areas that would fall under state responsibilities such as national defense related manufacturing jobs.

    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. $6,599,000,000

    Capital One Financial Corp. McLean Va. $3,555,199,000

    Regions Financial Corp. Birmingham Ala. $3,500,000,000

    SunTrust Banks Inc. Atlanta Ga. $3,500,000,000

    BB&T Corp. Winston-Salem N.C. $3,133,640,000

    KeyCorp Cleveland Ohio $2,500,000,000

    Comerica Inc. Dallas Texas $2,250,000,000

    Marshall & Ilsley Corp. Milwaukee Wis. $1,715,000,000

    Northern Trust Corp. Chicago Ill. $1,576,000,000

    Zions Bancorporation Salt Lake City Utah $1,400,000,000

    Huntington Bancshares Columbus Ohio $1,398,071,000

    Can someone please list the rural fire departments who benefited- and the amounts.

  4. 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!


    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. Now the Gov't is dictating how companies are run?

    In a move sure to spark outrage, the White House announced today that GM and Chrysler must cease participation in NASCAR at the end of the 2009 season if they hope to receive any additional financial aid from the government. Companies around the globe—Honda and Audi, to name two—have drawn down racing operations, and NASCAR itself has already felt the pinch in the form of reduced team spending. A complete withdrawal from America’s premier racing series is expected to save more than $250 million between GM and Chrysler, a substantial amount considering the drastic measures being implemented elsewhere.

    “Automakers used to operate on the principle of ‘win on Sunday, sell on Monday,’ but the Auto Task Force’s research just doesn’t validate that as true,” said the statement from President Obama. While fans have decried the Car of Tomorrow for heavily limiting what little personalization the cookie-cutter series had previously allowed to participating manufacturers, and drivers have slammed its brick-like aerodynamics and unpredictable handling, even the governmental oversight committee sees that the full-scale regulation of the cars leaves the manufacturers very little space for research and development. “NASCAR is a racing series that regulates down to the smallest detail of the cars, where a car badged a Chevrolet or Dodge differs only marginally from a Ford or a Toyota. There’s no technological development to speak of.”

    The statement goes on further to say the same demand will be made of Ford if it asks for government assistance. “In order to receive this money, corporations must demonstrate they will spend it wisely. Racing has been said to improve on-road technology, but frankly, NASCAR almost flaunts its standing among the lowest-tech forms of motorsport. NASCAR is not proven to drive advancements that transfer from the racetrack to the road, and this nation’s way forward does not hinge on decades-old technology. We need new, and we need innovation.”

  6. 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.