lemers718 Tracker

Car allowance question

lemers718 — Wed, 06 Feb 2013 17:27:24 GMT

I am looking to purchase a home I'm the next 6 months. I got a promotion at work last sept, that came with a car alliowance. This is used for my car and insurance. My company does not claim this as income on my W 2. Will I be able to use this as income in my DTI?

Re: Child Support

lemers718 — Sat, 02 Feb 2013 01:58:42 GMT

I was told that my child support would not factor in because my daughter is 20 and a full time college student. I only have 2 years left on collecting support,

Re: Nfcu credit card or secured cc?

lemers718 — Tue, 22 Jan 2013 02:28:02 GMT

I know-Shocked me. I have heard great things about them I now am a true believer.

Re: Nfcu credit card or secured cc?

lemers718 — Tue, 22 Jan 2013 01:47:27 GMT

I just got approved today for 5K @ 11% . Eq-595 TU 626

consolidated credit cards

lemers718 — Tue, 22 Jan 2013 01:46:10 GMT

I just was approved for a NFCU card for 5k @ 11%. My question is I have 3 cards over 60% util. totaling about $4500 How would it effect my score to tranfer these balances all on this card? My highest is a Cap One $3500 @ 22%. I also have $1000.00 extra coming in at the end of Feb.

Re: January TU08 score

lemers718 — Sun, 13 Jan 2013 00:50:57 GMT

Congrats all. I too am doing a happy dance!

Re: Foreclosure fall off date

lemers718 — Fri, 14 Dec 2012 10:54:34 GMT

It has fallen off TU last month. However Experian is showing a fall off date of August 2014.

Foreclosure fall off date

lemers718 — Thu, 13 Dec 2012 23:01:59 GMT

Can anyone please clarify if a foreclosure will fall of my credit report 7 years after DOFD or 7 years after foreclosure completion date? My DOFD was July 2005 however the completion date was Sept. 2007.

Re: WooHoo Big Increase!

lemers718 — Mon, 03 Dec 2012 10:46:02 GMT

I have a charged off credit card with a credit limit listed as $1800 and a balance as $4700. That puts me at at almost 300% Utlization rate on this card.

WooHoo Big Increase!

lemers718 — Mon, 03 Dec 2012 00:31:38 GMT

Started this journey to be be in a postion to apply for a mortgage in one year. After one month my Transunion jumps 60 points from 518 to 578. I have two charge offs due to fall of in December. One is reporting a $4700 balance. I hope this will help my utilization. Should see another big jump in Jan. 2013. Thank you all for the great advise.

Re: Honda Financial GW contact

lemers718 — Sun, 02 Dec 2012 14:11:45 GMT

could someone please pass on this contact info? Thanks!!

Re: 1099 Question-please help

lemers718 — Wed, 21 Nov 2012 20:50:13 GMT

I have not ignored the 1099. I filed it on last years taxes.

Re: 1099 Question-please help

lemers718 — Wed, 21 Nov 2012 17:54:20 GMT

What is Re-Chargeoff?

Re: 1099 Question-please help

lemers718 — Wed, 21 Nov 2012 17:47:20 GMT

Yes I have all the paperwork. All my statements and the 1099. I have not made a payment since 2007 and never offered to settle the debt.. It is still in Cap one's hands.

Re: 1099 Question-please help

lemers718 — Wed, 21 Nov 2012 16:20:29 GMT

My CR is showing a fall off date in January. Should I just leave it alone? I am just anxious to get these baddies off my report.

1099 Question-please help

lemers718 — Wed, 21 Nov 2012 13:40:20 GMT

I have a charged off Capitol one account from 2006 . The orginal charge off amount was $1825. Of course Cap one reports every month and it is now on my report for almost 5K. Question is I received a 1099 on this account last year for $1580 and filed it on last years taxes. But Cap one is still reporting every month at a higher amount..

Shouldn't this show up as a "0" balance or atleast have been decreased by the amount cancelled?

Re: Kohl's Success!!

lemers718 — Fri, 16 Nov 2012 02:26:42 GMT

Could someone please PM an E-mail contact? Thank you

Cancelation of Debt question

lemers718 — Mon, 12 Nov 2012 21:13:11 GMT

In January of last year I receieved a 1099-c Cancelation of debt for a 2006 charged off Cap ONE CC. However they keep reporting a new balance every month. I spoke with Capitol one and they are telling me it is due to all the interest and charges that have incurred. Can they do this?

Re: Paying charge offs or not

lemers718 — Wed, 17 Jun 2009 22:18:27 GMT

ok Today I called Capital one to settle and they refused to settle with me directly claiming I had to go thru Trak America. I refuse to deal with these scam artists. So I guess Cap one does not want their money.

Re: Paying charge offs or not

lemers718 — Tue, 16 Jun 2009 14:45:49 GMT

Did you settle directly with Cap one or with the CA?