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Everything posted by cap1kid

  1. I had success with a PFD for an overdraft on a checking account. the amount was around $400.00. I got a PFD letter sent to me- sent the money and the next month it was completely off the reports. I also had some unpaid parking tickets that went to collection- I think $50. The collection agency refused to put a PFD in writing but gave me their word. I was skeptical, but paid it off and they also removed it. As far as your accounts - whether to pay or not- there are several factors to consider: Is it within your state SOL? How old is the debt? Will they PFD? Are the credit cards reporting from the original creditor? or have they gone to a collection agency? My general feeling is if they are close to the 7.5 yr reporting period and beyond SOL leave them alone. Sometimes the age of an account- even though it is a bad account is more beneficial than the harm it is doing. Credit repair is tricky- somethings you think are helping actually may hurt in the short term. Ask questions on this forum- the more specific the better- (DO NOT GIVE OUT ACCOUNT NUMBERS- DO NOT USE THE EXACT NUMBERS ON REPORTS etc.)
  2. I believe Chase pulls TU. I got a pre-approval for a Platinum MC card back in Dec. My scores at the time were around 620. I had paid off a Chase auto loan about 6 months prior (re-financed it after a few months). I got the Plat card with a 4000 limit- a month later I got denied for a Amazon/Chase visa card. I was able to call re-consideration and they gave me a 1000 limit-but decreased the plat. by 1000.
  3. By PTD if you mean 'pay to delete' - it is more commonly referred to as a PFD 'pay for delete'. It can be successful for small accounts- like parking tickets, utilities etc. I don't think you'll find much luck trying to get a PFD from a charged off credit card or from big companies. There are letter templates on this website and plenty of advice.
  4. You should have been a school teacher!-
  5. Can you solve Global Warming, too?
  6. Kara is getting 'on the job training' in case Paula ODs on live TV- they'll need a long term replacement.
  7. Usually look for employment.
  8. The little logo looks an awful lot like Obama's logo. I'll pass.
  9. Seems to be an awful lot of pipe workers: pipe drafters, pipe foreman, pipe testers.
  10. I think Adam has the most talent, followed by the 16yr old redhead. I hope for their sake they finish 2nd and 3rd ( So they don't have to sing crappy songs produced by the AI group ). I think Gokey should win, he would do good with those cheesey Idol songs. As far as personality- Adam has got everyone by miles- all the teenage girls love him- even if he's gay. As my girls say- He's FIERCE!
  11. Sarver is gone..... I think Scott McIntyre is next to go. He really isn't a good singer- he's decent with the piano-next time he's on- close your eyes and just listen to his vocals-it's really bad. I hate to say it- but he's riding the sympathy vote right now.
  12. I'm a Police officer with an explosives detection k9-
  13. Do you get health insurance with your job? That's an awesome job.... don't underestimate yourself! I have to call my Health Insurance CSR laster today about an unpaid bill..... who knows, maybe I will be speaking to you- if that's the case I apologize in advance for cursing you out and wishing you ill will... I don't really mean it.
  14. cap1kid


    You may want to pose the question in the mortgage thread.
  15. Some states allow you to buy college credits at today's costs.... and use them at a later date.
  16. Years ago when my son was in diapers- I saw the upromise sign everywhere- never did anything- Well- he will be starting college in 2010. YIKES!
  17. Motown was a lame show- I think Sarver is done.
  18. I was insured with Alsstate since a teenager- When I went to add my 16 yr old son on the policy- the rates almost doubled. I was looking at my NFCU website and noticed a link to GEICO- they even give you a discount for joining through the CU- In the end I only got an increase of about 70 dollars (from my Allstate rate)- that was with adding a 16 year old and a car. Never got a call from an Allstate agent wondering why I left- no attempt to keep me. Oh well.
  19. Welfare for th FICO challenged- Everyone gets a '685' score so everyone feels good about themselves.
  20. I tried a garden last year- spent about 500 and got 1 edible eggplant.
  21. Who re-vived this? Maybe it should be a sticky---I thought politics was taboo.
  22. Is the rumour true? The desk that Obama signed the stimulus package on is the same desk Cinton got his package stimulated.
  23. I pray to God that Adam does Rick James' "SuperFreak" this week.
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