cap1kid

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Everything posted by cap1kid

  1. I pray to God that Adam does Rick James' "SuperFreak" this week.
  2. MT2VA- I think it will work for you...I was stuck in subprime hell, which turned into chargeoff hell. I then went almost 3 years with no credit cards and paid cash for evrything. About a 1 1/2 years ago I got a wake up call when I was contacted by an attorney wanting to file a lawsuit on one of those subprime chargeoffs- that had gone from 800 to over 2000 because of late fees and overlimit fees etc. I found this site and changed my life. I thought of the credit union solution after talking to some people at my CU about credit repair. I think the 1g is a good benchmark. Treat it like a 300 car
  3. MYFICO is the score that most lenders rely on. The other scores are referred to as FAKO- and are notoriously inaccurate. I would wait 6 months between myfico score purchases so you get a truer picture.
  4. Internet explorer- and it seemed to happen only while reading the 'Is there a doctor in the house' thread.
  5. Sarver should have been gone last week. The only thing going for him this week is that the elimination show will be on Thu instead of Wed- he gets to have his dream 1 extra day.
  6. I keep getting dumped too, at first I thought it was my Internet Connection.
  7. I believe those subprime cards get more people in trouble and create long term problems. If you are patient, you can get a nice $1000+ card with no fees and star building a nice savings account at the same time. If she goes on an app spree with the likes of First Premie, Crap1 Orchard - she's likely going to get a crappy 300 card with fees. If she follows my advice she's better off in the long term Plus she saves those inquiries. junk begets junk-
  8. Stay away from Subprime cards- they are junk- here is my advice from a different thread: I like the idea of a credit union- but here is how I would approach it. 1) Set up a special savings account at the credit union-(not a checking account you pay bills with)consider this your credit repair account 2) Place $1000 in that account with the intention of not touching it for a year. If you don't have 1000- place $50 a pay into the account - or whatever you can afford- and wait until you have $1000. 3) Keep working on getting those other cards Util down to around 10% or lower- this will increase yo
  9. What kind of derogatory is that? if it is old you might want to leave it alone. Sometiems bad thins can happen for disputeing old bad accounts. You may loose age if it falls off. Or it may update tricking the CRAs into believing it is recent. The only sure things are utilzation, age and on time payments.
  10. MYFICO.com is the place to get FICO scores for TU and EQ - EX no longer offers them. Almost anywhere else are FAKOs and can lead to confusion. My recommendation got to www.annualcreditreport.com and get your free report (no scores here) fed law requires each CRA to give you 1 report a year free. THIS IS THE PLACE- don't get fooled by other places that offer a service. Use these reports as a basis for cleaning/repairing. Get your TU and EQ FICO from myfico.com as a starting baseline.Use the discount code. (don't get obsessed with score- manage your debt and start repairing for at least 6 months
  11. If they are making you money- or helping keep the site alive- Of course I love them and have been buying tons of stuff from the sponsors. If they aren't generating $$$- they are annoying. Actually I haven't really noticed any difference. What ever happened to the website that stole your entire content?
  12. No. The CRAs work independently of each other.
  13. I do not RECCOMMEND THROWING A BRICK THROUGH THE STORE WINDOW.
  14. My daughter just reached 13- she refuses to do any chores and is insisting on a bailout.
  15. I don't think I've seen any of her movies- any reccomendations? Very sad- her husband Liam Neeson is a great actor- my prayers are with him today.
  16. Dateline: Connecticut/ Washington DC 2008- Chris Dodd receives at least $103,000 in political contributions from AIG! Tuesday 03/17/09 - Chris Dodd has 'no idea' how the provision allowing huge AIG bonuses with bailout money became law. Wednesday 03/18/09- Chris Dodd admits he added provision: "I agreed reluctantly," Dodd said. "I was changing the amendment because others were insistent." OTHERS WERE INSISTENT???? WHOSE PULLING THIS PUPPETS STRINGS???? certainly not the American Public
  17. Check this: http://articles.directorym.com/Time_Barred_Debts_Nevada-r935292-Nevada.html
  18. I believe that utilization is one of the largest factor in scoring. I've been told that a good mark to shoot for is <10% overall with no more than 30% on any card. YMMV
  19. I think Michael Sarver was the worst- but I think the 16 yr old with the funky red hair- I think her name is Allison is done tonight. (my daughter says she looks like a duck)