I wanted some installment loans for a few reasons . 1 in order to get through Util and 2, because my fico told me some!
Got USAA earlier this week for 2.5 K, and now have to 7K@8.99% Penfed. This will be my CC's at 0, and I will pay only the 2 loans!
WOOHOOOOO ! Scores are in Sig, and I'm not sure if they pulled another INQ, but I do not think so.
status of your loan application (s) used within the past 90 days
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Penfed Personal Loan Approved [installment loans] [inq]
Posted by admin on October 12th, 2011
TXU Energy charge-Off [planet feedback] [energy charge]
Posted by admin on October 12th, 2011
I have a paid fee had to buy on my CR for 5 years. This is what happened in summary. I went out, closed account in 2002 was Bill 1 year later. Called to investigate. Was told it would be reviewed. I paid anyway, when I get my salary. Never heard back. Checked credit and had a fee paid from. This was in 2003.
I called their collections department several times in 2003. No dice. Controversial a couple of times over the years. Including now. Nothing. Planet Feedback fourth attempt January. No
Credit Inquiries over and over again? [dodge dealership] [credit inquiries]
Posted by admin on October 12th, 2011
We went to a Dodge dealer for a new loan on a new vehicle to try. Set our application to different companies and if I have now with my credit report from each company an inquiry on my report!
So they contacted as 7 different financial companies and each is listed as an inquiry on my report!
I thought it would be only if we applied for the loan?
how much time do we have in our house? [chapter 7] [bind]
Posted by admin on October 11th, 2011
We are in a bind and not sure what to do! We have decided to file chapter 7 as we have no other choices right now. My main question is when will we have to be out of our house? Any advice would be much appreciated…
Quick run down- we are POOR right now! Husband makes $16.00/hr and is going to school. We have 5 children. Got behind on our mortgage. Didn't get approved for modification. Received letter saying pay or else. We called and thrysaid fine pay $500 a month ea
Spending Before Filing [bk] [trustee]
Posted by admin on October 11th, 2011
I searched but could not find this info, so please post a link if its already available here.
What exactly can you spend money on before filing for CH7?
My situation is complicated because i have a business (LLC, 100% owner) that will continue to operate before, during,and after the BK filing. We are going to work out a buy back plan over 6-12 months that will allow me to "purchase" my inventory and supplies from the trustee.
My business has a daily cash std dev of up to
No mini-miranda in first contact from CA [first contact] [letterhead]
Posted by admin on October 11th, 2011
Received a collection letter yesterday from a collection agency (their name, logo, and letterhead suggest attorney, but I think it is a tactic to motivate you into paying. Actually, I know it to be so because I read it on their website…anyway-). I received a call last week as the first contact. I requested validation over the phone and she said she'd send something in the next few days. Never got it. What I did get was the letter. It allows me 10 days from the date of the letter to r
Help for a unique situation [creditors interchange] [phone number]
Posted by admin on October 11th, 2011
I got a call from my mother today and creditors exchange continuously calling my parents' house. It is a debt that I was in college, when my address and phone number still at my parents since I moved so much during the study derived. I need to get this over and told my parents the caller that I no longer live there, but that does not seem to relate to work. I've read that it is not advisable to call the CA, but in this situation, it would help to call them and tell them to stop calling m
Question on reposession over insurance [place insurance] [reposession]
Posted by admin on October 11th, 2011
I'm actually this question for a friend. My friend has a car that he from a local car lot which means “full recourse” loans, and can only get bought by anyone authorized by a local bank. My friend has the stupid move, never putting full coverage on the car, nor did he even has proof of insurance to the bank at all. A month ago he received a letter telling him that they now forced place insurance on his loan and that would be $ 1,200.00 add to its loan and its payment will now go almost $ 80
Insurance Companies Which Credit Bureaus do they pull [auto insurance company] [home owners insurance]
Posted by admin on October 11th, 2011
I do not want to check my credit not deducted 100 times and my car insurance credit for auto insurance, but for homeowners insurance, but they will not tell me what they check office, can anyone tell me which insurance company you have car or house owner and the office she checked, I would also like to know whether or FICO FAKO .
Thank you
Date of first delinquency vs date of last activity [repairing credit] [charge offs]
Posted by admin on October 11th, 2011
Hi everyone: Thank you for all your wisdom! I'm finding that repairing credit can be fun, and good for you too!
Regarding my understanding of the following statements: "The statute of limitations starts from the date of the first delinquency, and will expire at a fixed time regardless of whether the account was paid down, paid off, or disputed."
and
"Collections accounts and charge-offs (those the creditor writes off as uncollectible, aka “charged to profit an
