jestor151

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jestor151 last won the day on June 22 2008

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About jestor151

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  • Birthday 02/06/1976

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  1. Just used this code today. Got 26% off total order. NOVEMBER26
  2. For the rest of this week, I work in Quality Control at a pharmaceutical research company. Then, at the end of this month, I will start working for the Social Security Administration as a Benefits Authorizer.
  3. Although this version uses "Shirley Temple" in place of "Astaire" from the original version. It also leaves out my favorite from the list, so I've decided to include it. It was usually the last one listed, so by the time I got to it on the list, I'd lost any composure I had been trying to maintain. This is probably my all-time favorite email forward.
  4. I'm with USAA and the same thing happened there. They cancelled both my debit card and my Mastercard, changed the account numbers, and I'm waiting on the new ones. They indicated that there was a breach of Mastercard's systems and folks account numbers may have been compromised.
  5. Does anyone have recommendations for easy web site desing? I'm helping my little brother who's starting a business with a few things, and this is one of them. I don't know HTML or anything, I'm just looking for a sort of "Click here, click there, add some content" type of thing. We won't be doing eCommerce or anything, it will mostly be informational, 4-5 pages with contact links and such. I started one using Microsoft's officelive.com for small business, but the options are a little too limited there. Mostly it's the color options and header design options that are frustrating me. Anyway, I o
  6. I certainly understand your points, and keep in mind I was not trying to be argumentative. My concern was that it is unlikely that everyone will pick up on the rhetoric of the question, and as such, may be left with a lopsided view of the issue. My post was not intended as a direct response to Big Woody, whom I have a great deal of respect for, although I can see how it may have appeared that way. It was merely intended to answer for future readers, especially newcomers without a lot of "credit knowledge", why it does make a difference. I quoted his passage merely because it contained the ques
  7. It is hard to say for sure that the info is 100% current from the others, since I'm not specifically comparing the info on Chase ID against a report pulled from TU or EQ that particular day. However, it does APPEAR that the info from the others is current based on what I can see. IQ's are reflected accurately, CC balances are accurate, etc. I'm guessing that there is potential for TU to update my report, and it may take a day or two to reflect on Chase ID, but since I only check weekly, I probably wouldn't notice.
  8. You have to do some reading of the OP's other posts to get that info. OP, here's my thoughts. I understand EQ is saying that you received a free report already this year, and you say you have not. Did you happen to ask the EQ rep when your last report was supposedly received, and how it was requested? Might be a useful thing to know. I've heard of some services pulling your free report instead of purchasing one, so it can happen without a person necessarily realizing it. My suggestion would be to go to the EQ site and request a report because you were denied credit or you received unfavorable
  9. Those who only use the CC for emergency situations care quite a bit about the rate. If I have to access a couple thousand dollars for some emergency situation and I don't have the cash on hand, then I may have to put it on the CC. Since I didn't have the cash, chances are I won't be able to PIF at the end of the month. That is when having an acceptable rate matters. It seems irresponsible to me to ignore the interest rate on the card because you THINK you'll be able to PIF all the time. Insuring you have the best rate available to you regardless of whether you'll be carrying a balance seems mu
  10. Just want to correct this for those who may be looking for credit monitoring service. Chase ID Protection DOES allow daily pulls. I used to check it daily while I was disputing items. Now I pull once a week to make sure nothing funny is going on (caught an unauthorized IQ that way).
  11. OK....so that crashing sound you all heard last week was me falling off the wagon. Well, it was more plummeting than falling. But I don't feel too bad about it. It was birthday week, and for the first time I can remember the weather didn't suck for my birthday, so that meant . Anyway, I broke down and had a little caffeine (I was really missing the sweet tea). I also went the fast food route for a few days. I'm thankful I did though, because I couldn't hardly stand to eat the food. It was sooooo freaking salty. It helped me realize how bad all the crap I HAD been eating was, and how good the s
  12. I know this is an old post, but I thought I'd throw my thoughts/questions in here since it's been revived. I get the concept and follow most of the logic. My concern is in regards to the interest earned on the savings account. If this is the money that you are using to pay the loan back, then you are not going to be getting 2.6% on the full $1000, right? I'm no math wiz, but here's my reasoning. If we follow this plan and pay back $500 the first month, then $100 each month after, then your savings account balance will be decreasing every month, thus the interest earned will also decrease. So i
  13. My concern with this advice is that it doesn't seem to take into consideration the OP's situation. The OP indicated that the SOL will be up in three weeks. It seems unlikely that Cap One can sue and get a judgement that quickly, but I could be wrong. However, it also assumes the OP wouldn't show up in court to defend themselves, which seems unlikely as well. While your post may be more or less accurate in certain circumstances, it relies heavily on assumptions regarding the OP's actions. I will agree with you that one shouldn't make decisions based on credit scores alone, but I don't think tha
  14. Hey Worried, Here's my thoughts on your situation. I too have the same situation, to a lesser degree, in that I have a CO with Cap One from back in the day. A $350 card now has a $2500 balance, and it updates every month as a new CO. It is one of the 2 negative accounts left on my reports, and is having a similar effect on my FICO score. Heck, it looks like I'm even from the same city as you. The difference in our situations, besides the amount of the debt, is the fact that my TL is scheduled to fall off at the end of this year, and yours looks like it will be on your report for another 2-2.5
  15. I do not carry a balance. I try to use it once a month or so for something small, and I pay it off a few days later.