schrute Tracker

Re: Saks Fifth Store Card

schrute — Sat, 11 May 2013 15:44:28 GMT

Worth trying to get or keep the card reporting?

Re: Saks Fifth Store Card

schrute — Mon, 06 May 2013 03:04:12 GMT

Its low, but I'm not sure.. its under $2K but I think it could be above 800

Re: Saks Fifth Store Card

schrute — Mon, 06 May 2013 02:51:36 GMT

Any other thoughts? Should I try to get this card reporting?

Re: Saks Fifth Store Card

schrute — Sun, 05 May 2013 19:38:12 GMT

Would it be in my interest to start having it report given my credit profile? An extra card, hit on AAoA.

Does this help my mix of credit?

Saks Fifth Store Card

schrute — Sun, 05 May 2013 18:50:26 GMT

I have the Saks Fifth Store Card which recently changed to CapOne. I got it about a year ago for something I purchased but never used it. Two weeks ago, Saks sent me a new card for CapOne. I've never used it. It isn't reporting on my CR... should I ignore this or try to get it to report (it would of been open for 1 year now).

My credit profile:

AAoA: 7 years

Cards: NFCU ($10K), SDFCU ($20K)

Loans: Student loans, lots and make up the bulk of my long credit history

Utilization: 2%

Inquiries: 1 on EX, 3 on TU, 1 on EQ

Re: Extended Repayment - Graduate - 2 year and 4 year - help!

schrute — Sun, 07 Apr 2013 18:56:52 GMT

How do you lose your APRs if you're locked in at a single number?

Re: Extended Repayment - Graduate - 2 year and 4 year - help!

schrute — Sun, 07 Apr 2013 18:05:20 GMT

If I pay now can I consolidate later? I'd like to pay it down but keep the 2.3% interest.

Re: Extended Repayment - Graduate - 2 year and 4 year - help!

schrute — Thu, 04 Apr 2013 07:26:43 GMT

Wait. Why would this be factored into my DTI? Wouldnt it help paying a lump $10K down, no?

Re: Extended Repayment - Graduate - 2 year and 4 year - help!

schrute — Thu, 04 Apr 2013 02:40:28 GMT

Hey thanks for the response.

I do have an emergancy fund set up just in case.

My retirement savings is pretty non-existant right now, so I'm focusing on funding it.

I have no idea debt except minor periodic credit card that I pay off every month.

My concern was that I get on a 25 year plan that I can't pre-pay and get forced interest on. I'd be game to pay my yearly IRS deductible ($5200 a year) where I would pay off the loan in 4-5 years. But I would immediately (after approval) move to pay down or pay off the 7% interest.

Re: Citi Dividend - Chances of get this card?

schrute — Sun, 31 Mar 2013 19:21:42 GMT

Yeah, I'm going to hold off. Its my last baddie too!

I was thinking about PFD but it is within the SOL....

Re: Citi Dividend - Chances of get this card?

schrute — Sun, 31 Mar 2013 18:55:59 GMT

I would make a letter that says they agree to a PFD and that it would end all collection attempts on that debt, and that the debt cannot be re-sold, so forth, etc.

Re: Citi Dividend - Chances of get this card?

schrute — Sun, 31 Mar 2013 09:23:15 GMT

The credit union pulled my soft, I'm guessing it was a FICO. Maybe a soft is always a FAKO.

Re: Citi Dividend - Chances of get this card?

schrute — Sun, 31 Mar 2013 08:19:18 GMT

Unpaid. The DOFD is 2009. Appeared on my report about 2010 possibly 2011. No CO on my CR.

Citi Dividend - Chances of get this card?

schrute — Sun, 31 Mar 2013 06:45:05 GMT

I'm looking to apply for this card and have a 787 credit score. But have a collection on my EX and EQ accounts. Am I risking a HP without a card with this profie? AAoA is 7 years. 2 cards, one with $20K and the other $10K.

Re: US Bank Cash+ - Chances of Getting this?

schrute — Sat, 30 Mar 2013 12:02:00 GMT

Not paid. 787 score came from the Credit Union after they did a soft pull on my account. I have a pretty good thick file (mostly student loans) with 16 open accounts and 36 total accounts. Only baddie is one unpaid collections (no chargeoff).

Re: US Bank Cash+ - Chances of Getting this?

schrute — Sat, 30 Mar 2013 11:48:04 GMT

Its about 2 grand. Tough, because I don't know who the JDB is for it. They pull EX here in CA.

Re: US Bank Cash+ - Chances of Getting this?

schrute — Sat, 30 Mar 2013 11:32:08 GMT

AAoA is ~7 years, $20K on a VISA at an CU, and $10K with another CU. Util ratio is 2%. I've never banked with US Bank.

My score is from the CU when I got the VISA, so I'm guessing its a FICO. But I have a collection on my reports, the only bad.

US Bank Cash+ - Chances of Getting this?

schrute — Sat, 30 Mar 2013 10:26:50 GMT

My EX is 787, but I have a collection account that is 2-3 years old on there. What are my chances of getting a US Bank Cash+ card? US Bank is around the corner from me.

Re: Extended Repayment - Graduate - 2 year and 4 year - help!

schrute — Sat, 30 Mar 2013 09:56:22 GMT

Well if I hit hard times and can't afford $400-$500 a month in student loan payments (I live in the Bay Area), at least I won't be obligated to pay it.

But does doing an extended repayment plan (2 or 4 years) have any "special" considerations except that it stretches the loan out 25 years?

It is basically like a 30 year mortgage instead of a 15 year one?

Re: How to get CO off on TU?

schrute — Thu, 28 Mar 2013 05:16:40 GMT

What police report?