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Everything posted by cap1kid

  1. I feel the same way about Adam- I'm not gay or anything- I'm just saying...... if he's near enough, I'm queer enough!
  2. There should be a rule: If anyone sub-titles their post with 'this should be a sticky' it should be sh!t canned right away.
  3. Megan is awesome- I love her dance moves (or lack thereof).
  4. The mob should be at Capitol Hill- they gave OUR money away, and knew what was going to happen with it. Spare the tar and feathers..... spoil the politician.
  5. MAYBE IT SHOULD BE A 'STICKY' with one reply: No! and then lock the thread.
  6. Who's your fav? I like Adam Lambert- reminds me of the love child of a young Mick Jagger and Ziggy Stardust (David Bowie)
  7. cap1kid


    I like the train idea- dress the poor kid up like a conductor- leave the tutus for the girls.
  8. To quote the Joker : " this town needs an enema"
  9. ASLEEP AT THE WHEEL! Not only do they ignore the will of the people- they don't even know what they are approving. It's a wonder politicians don't seem to care where tax money goes.... they seem to be the ones caught not paying taxes.
  10. If they made this thread a 'sticky', as it should be, there would be no need to resurrect it.
  11. Because they can. A lot of lawsuits are filed within days of the SOL expiration. They are going to place everything in a nice file- and hope that any defense you may have is either lost or forgotten. They are probably going to rack up interest and attorney fees ( if applicable). look at there point- Why would you say you were going to wait 7.5 years- and not pay a collection they consider legit.
  12. I doubt they were arrested for 'going to see a CA in person' - the may have got arrested for disorderly conduct or kicking some a$$.
  13. I'm just saying people are outraged at AIG-- the outrage should be directed at the people who gave them the $$$$. They knew the plans for the money. Now you got the President and all these Senators grandstanding- THEY KNEW!
  14. That needs to be repeated : CONGRESS KNEW ABOUT THE BONUSES BEFORE THE BAILOUT. And if they didn't know they should have. They are just grandstanding-The joke is on us.
  15. Why is everyone upset with AIG? That's what businesses do- reward the employees- What did congress expect them to do with the money- give it to charity, hire the homeless, pay off a strangers house that is in foreclosure, buy health insurance for the unemployed? The anger should be directed at the people who gave AIG our money.
  16. It's only $122- what are they going to do- kidnap him? Maybe a phone call is the right thing to do.
  17. I have heard, that if you dispute inqs on EQ, you should do inqs together and not mix them with other tradeline disputes. I have also heard that you subject yourself to an unwanted fraud alert if you dispute items that are associated with active tradelines. ( I have heard others being sucessful in wiping out all inquiries on EQ, tradeline or not) There is also a theory that if you do daily pulls on your own report that TU inquiries will eventually drop off- such as the old True Credit when it allowed daily pulls. I have not heard of a sucessful way of getting rid of EXP inquiries- I do not reccommend disputing anything that is not inaccurate or legitimate.
  18. This may sound counterproductive, but the age of those accounts may actually be more beneficial to you than the harm they are doing- especially since you have no recent history.
  19. Go down there- tell them your not sure you owe THEM this- but if the PFD you will give them the 120. There is some HIPPA method for payments- I don't know the details- but I would try the easiest approach first- don't admit the debt- just acknowledge its on your report
  20. You shown activity and have awaken the hounds. 1) How old are the debts- are the within SOL 2) Are they yours 3) Can you afford to pay or settle Little accounts like med bills, parking tickets, phone bills etc. you can get PFDs Lates can sometimes be removed through good will letters. You have to be careful disputing - sometimes on old accounts the age is more beneficial that the harm- Charge offs can be updated- tricking the CRA that your chargeoff is recent- (a favorite trick of CRAP!)
  21. Even secured cards are not a guarantee--- Thats why I suggest the CU you had the good auto loan with.
  22. Call the CU you've been dealing with- ask them what the minimum they give secured credit cards with. Don't worry about the multiple inquiries for the auto loan- if they were all done together- they will only score as one- even though they are listed. I think what you need is a positive tradeline in the form of a credit card- I was almost in the exact position- 540 - 580 scores- I couldn't get over the 600 hump. I don't know your financial situation or your patience level- but what I did was open a savings account at the CU and placed 100 a paycheck until I got >$1000. then asked for a secured card. I have heard BOA offers a great program- You can get caught up in a CATCH22- you need to apply to get credit- but if you apply too much you get denied for applying....... so right now you have to be careful about the inquiries. Kay Jewelers may be an option- its a store card. Or God forbid fingerhut- I would try the Cu 1st- and if thats doesn't work then BOA- just get one and let it age 6 months before you apply again or re-finance.
  23. Who gave you the 21% interest rate? I'm betting if you make 6 solid months of payments- and clean up some other stuff- and apply for no new credit- you'll be able to re-finance that.