tri3nity Tracker

Re: Take the FICO Fitness Challenge for 2011!

tri3nity — Sun, 06 Feb 2011 20:10:26 GMT

1. My Fico Score goal for the end of 2011 is to be at 620+

2. TU 542 EQ 489 EX 505

3. I will be working on my utilization. I will NOT apply for any new credit. I have some medical bills (3) that I will send PFD, then pay them off.

searching??????????

tri3nity — Sat, 27 Dec 2008 00:54:48 GMT

I've been searching for the Macy's back door #. Does anybody have it?

Re: "18%"

tri3nity — Wed, 17 Dec 2008 00:45:24 GMT

So, 6 months from now you think I could refinance so soon? Even with the repo on my credit? It doesn't fall off for a couple of years.

Re: "18%"

tri3nity — Sun, 14 Dec 2008 01:36:23 GMT

No, Going I didn't find a different lender. I still have the 18% interest rate for 5 years but I plan on paying it off in 3 to 3 1/2. Keeping it for 6 months to a year then getting what I really want. My credit will be up to par by then. Either paid off or fell off. And Cabar, you know, I hadn't even though about this car, until I got to the lot and saw it. I am happy with my purchase. It will serve it's purpose and I'll look good in it. :smileytongue:

Message Edited by tri3nity on 12-13-2008 07:36 PM

Re: "18%"

tri3nity — Sat, 13 Dec 2008 01:10:59 GMT

Well Going! I finalized my car loan today got a cute little Mazda 6. 60 months term $220 a month. Used a financial calc. to figure out how to pay it off in 42 months, need to pay $280. So, that's what I'm gonna do. I must say I'm happy with my purchase. Thanks for all you guys input. :smileyvery-happy:

What happened to the 660 card?

tri3nity — Thu, 11 Dec 2008 05:49:35 GMT

My boyfriend has a card through this company. I have been trying to make a payment through the ezcard info site and it says unable to pay through their service any longer and the actual credit card company's site is down. Anybody know anything?

Re: Crown Jewelers credit limit

tri3nity — Thu, 11 Dec 2008 04:56:38 GMT

The credit limit is dependent on what you spend and how you pay, I found out too late. I made 1 purchase for some diamond studs, paid it off in 6 months. I have a regular charge card with no down payment, but the catch is they lowered my credit limit. Had I made a more expensive purchase and took longer to pay it off, then I possibly would have received a $1500 to $2500 cl.

Re: Crown Jewelers credit limit

tri3nity — Wed, 10 Dec 2008 04:22:42 GMT

Well Bella, I made it to my 6th month and they did in fact lower the credit limit to $500 with no down payment. Sucks. Hopefully they give regular credit limit increases.

Re: Ok..... Here they are ......

tri3nity — Sat, 06 Dec 2008 05:07:30 GMT

What exactly would a proper validation be Sidewinder? The signed application? And since their already charged off,

if they don't agree to a pfd, should I just settle since it will still reflect the same. Then just goodwill them to death, maybe? And if I settle, will they still fall off the same dates? I will pif all of those less than a thousand and settle the other 2. Thanks for your help Sidewinder.

Re: Ok..... Here they are ......

tri3nity — Sat, 06 Dec 2008 01:35:43 GMT

I spoke with a rep at New Millenium and she is trying to get me to open another account with them once I pay. Don't want another credit card right now. Already have 3 reporting positively and I never use them. I just have Myfico, experian monitoring and rapidfax.com posting to have a new charge post every month to keep them happy. No one has had luck with these to CCC on a pfd? If not they will be the last on my list to pay.

Ok..... Here they are ......

tri3nity — Sat, 06 Dec 2008 06:02:30 GMT

Ok, I just finished reading Sidewinder's post "What steps do I take?" I have just been approved for a car loan (a small one) but a start no doubt. I have a paid off car loan for 03' and then back doored with a repo in 05 that is scheduled to fall off in Dec. 2011 on Experian and March of 2012 on Transunion and Equifax, Why the different drop off dates? Ok anyway, I will be in a better position to begin some credit gardening. Everything in 2011 scheduled to fall off I'm just going to leave alone, let them be. These that I list below are scheduled to stay on from 2012 to 2014 and I need some advice. If I settle them, will that start the sol over for another 7 years or should I just go ahead and DV and then PFD. Thanks in advance for any feedback you guys can offer.

AFNI original creditor Sprint...$582 11/2013

Arrow Financial Service original creditor....Premiere (sold) ....$606 12/2012

NCO original creditor Reliant Energy.... $486 11/2012

New Millenium Bank ....$207 11/2013

Personal Collectors of America original creditor .....Galaxy Furniture $1652 6/2012

Plains Commerce Bank .....$491 5/2013

Southwest Recovery ..... Advantage Rent a car ....$1104 4/2014

And I'm in Texas

Message Edited by tri3nity on 12-06-2008 12:02 AM

Re: Jefferson Capital Systems, Legit?

tri3nity — Fri, 05 Dec 2008 00:59:46 GMT

The limit I have seen depends on how much you owe. I had a small balance so my starting limit was only $300. You pay the qualifying amount and then I got the card about 3 weeks after that. I have seen on some discussions people starting with as much as $1000 limits. And no, they didn't run my credit.

Re: Jefferson Capital Systems, Legit?

tri3nity — Thu, 04 Dec 2008 04:11:42 GMT

I know this is a month old post, but I had to put my two cents in. I had my concerns about Jefferson Capital Systems as well. I am actually pretty satisfied with them. I completed the arrangement, there is no annual fee on the card and it gets regular credit limit increases. And the sol did not reset, the old debt fell off all 3 reports completely and JCS falls off in May of 09, the same month the OC was scheduled to fall off. Hope this helps if you haven't already made a decision.

Re: "18%"

tri3nity — Thu, 04 Dec 2008 00:34:30 GMT

What are you talking about? No one said that you suggested getting a large loan. We agreed with you that would be foolish of me to do that with such a high interest rate.

Re: "18%"

tri3nity — Wed, 03 Dec 2008 01:35:38 GMT

Yeah, Going, I am not "going" to do that. I don't want to finance anything over what I have to. Roadloans has a minimum of $6000 and that's what I'm trying to finance. The repo falls off in 2011, I will have that gone and a paid off vehicle with a current car loan. I can wait 2 years, if I even want another car in 2 years, may just refi. The G6 is actually kinda hot! :smileytongue:

Re: "18%"

tri3nity — Tue, 02 Dec 2008 04:40:15 GMT

That's the plan Keep. I found a little 07' G6 for $10,900 and I've applied for the downpayment assistance program that Texas has to assist with purchasing a car in return for giving them your car that is 10 years or older or won't pass for inspection. When I used a financial calculator with all the info (I plan on haggling to get the car down to about $9,500 - $10,000 :smileytongue:) then give them the $3000 voucher, it gave me a car payment of $186. I will pay around $250 - $300 so that I won't end up upside down when I trade it or not have so much to refinance at a lower interest rate in about a year or two. What do you think, sound like a plan?

Re: "18%"

tri3nity — Mon, 01 Dec 2008 05:10:50 GMT

Yeah, thanks for the words of encouragement. That is exactly what I plan on doing. just pulled my annual free credit reports and it's looking better than where I began. Still got a lot of work to do. I know that a car loan, no matter what the interest rate will do good for my credit mix. I'll keep you posted Grib. Let you know what kind of ride I chose :smileywink:

Re: "18%"

tri3nity — Sat, 29 Nov 2008 18:23:38 GMT

No, I was actually thinking that it wouldn't help. I'm with a credit union, but I believe they have very strict guidelines.

"18%"

tri3nity — Fri, 28 Nov 2008 22:17:23 GMT

I was approved through Roadloans, but at the price of 18% financing with a $2500 required down payment and they only approved me for $8600. SUcks! But I have to start somewhere. I have a repo on my credit from 2005. My plan was to keep the cash car that I bought until the wheels fell off or my scores improves and the repo fell off, whichever came 1st. Well, the wheels fell off, or rather someone rear ended me and knocked them off. Somebody help! Any suggestions on another company I could try. Lending Tree referred me to road loans as well.

Re: Crown Jewelers credit limit

tri3nity — Fri, 31 Oct 2008 15:04:41 GMT

Thanks James, we couldn't get an anwer from anyone that had the card for longer than 6 months. We shall see on my statement update on the 6th. I did see on the site that your credit limit after the six months is determined by your average spending habits and payment amount within that six months. $500 would be the lowest credit limit.