About Paxx

Paxx · ‎02-09-2017

Hi! I recently bought a house after repairing my credit and had to switch checking accounts from my old bank to the bank we finances through to gain a closing cost credit. I forgot to update my credit one banking informaton and processed a payment for the stupid $8.00 monthly annual fee they charge. Needelss to say the payment didn't process and I just pulled my reporting showing a 30 day late fee for a whopping $25.00! I never use this account and only keep it open due to the length of time it has been on my history. My credit has been sportless for 6 years after rebuilding and am serisously stressing over this! Can someone PLEASE send me the goodwill email address and example letter so I can hopefully plead my case? Thanks so much!!

Paxx · ‎05-21-2010

Use it as a Frisbee. Sorry, I'm just not a fan of apple or it's products and Steve Jobs really annoys me. What can I say, I'm a big Linux fan and love open source. I don't like someone telling me how I can and can not use my purchased device. I'm an adult and can take care of my own censoring (read: certian apps banned on apple products, no Adobe flash just to name a couple). I'll take my Linux OS phone that I can modify to my liking over an iphone any day and twice on Sunday! Just my two cents. If it were me I'd keep sending it back to my mom until she finally took it back. Or like others said maybe donate. I suppose an Ipad is better than no computer to someone who can't afford one but that's all the props I'll give it :) I'll get off my soapbox now!

Paxx · ‎05-10-2010

I know the DV letter has already been sent but I've used the one you posted. I do a lot of editing to the letter before sending it off so it's much less combative. I change the capital words to lower case and removing all threats of sue, etc. I keep the full media attention request because I want them to provide me with any and all documents they have available. I know they are not required to do so but I don't want to leave any confusion as to what informatiion I am requesting. They may send just the minimum and that's fine but if they have everything i would rather have that. I've used this letter edited about 5 or 6 times now with success. Just make sure you edit the letter before.No sense is putting the gloves on early and tossing out threats unless you're larry lawyer and know exactly what you're talking about.

Paxx · ‎04-23-2010

@MattH wrote: Many things can trigger asthma attacks, including allergens, irritants, outdoor activity in cold weather, emotional stress, etc., etc. What does will vary from individual to individual. Some years back I heard an interview with an Olympic swimmer (http://en.wikipedia.org/wiki/Nancy_Hogshead-Makar) who wrote a book about coping with asthma as a competitive athlete: many of the most effective medications are also stimulants and therefore banned, constraining her range of treatment options, and she had to become very good at recognizing her triggers so as to avoid them in the hours before competitions. Not to hijack the thread but Interesting read. I've had asthma my entire life and it's easily triggered by allergies and exercise. I've been on an inhaled steroid since I can remember to control it (thank god for advair - wish it was around when I was a kid). Its been years since I've had a full blown attack though in my youth up to my late teens I was in the emergency room at least once a year. I wish I'd known about athletes such as her when I was younger because it would have really inspired me. I played sports but had a heck of a time and the thought of quitting would pass through my mind every time we had to run sprints. I’ll be sure to pass this knowledge to my kids should they be unfortunate to receive the Asthma genes from me (I sure hope not!). By the way, thanks for the congrats! It's our first and we're very excited! :)

Paxx · ‎04-22-2010

We just found out that my wife is pregnant 2 weeks ago (7 weeks now!) and honestly, I'm stressing about money. $500 before taxes would not cut it for us once she is unable to work. However, part time with a flexible schedule and the ability to work at home would be extremely nice. I've tossed around the idea of getting a part time job just so the wife can stay home once the baby arrives but working 8:00 - 5:00 makes it hard because your schedule is so limited. Also, the job market is saturated with people who are unemployed and willing to work any hours. It makes it hard to find a 2nd job. So yes, I would defiantly take a job with a small business owner part time with flexible hours w/o bennies. I've always had a dream of starting my own business but it's hard. Working for a small business would be a breath of a fresh air from corporation work and I think it would be extremely exciting to help something grow and develop.

Paxx · ‎03-29-2010

Back when 5 1/4 and 3 1/2 floppies were more than enough to store our information. Now, computers don't even come standard with these drives.

Paxx · ‎03-22-2010

Also be mindful that a DV letter has to be sent to the CA within 30 days of receiving the dunning letter so if you're going to send to in preparation for your next letter, send it now.

Paxx · ‎03-19-2010

Since you just received a dunning letter regarding a collection you are not aware of, send the CA a DV letter asking them to validate. If they can't validate you may never hear back depending on your state laws (Texas law requires CA to reply to DV's but not all states have this law) and thus the collection activity ceases ubtill they can. CA can't collect or transfer a debt if they can't validate. If they can validate the debt you can find out if it's within SOL or not. and if it's a legitimate debt that you owe based of off the documents your provided. You can then proceed accordingly with PFD or whatever letters fits. If it were me I'd send a DV letter. Old accounts get transferred around and the paperwork doesn't always follow. My wife had an old collection account that was transferred to a new CA, we received a dunning letter to which I DV'ed. We were pretty sure it was hers but not 100% and I wasn't going to pay something I wasn't sure was ours. NCO could not validate and so they sent a letter stating the file has been closed.

Paxx · ‎03-19-2010

Thanks for clarifying. This board never ceases to amaze me. Every time you think you know just about it all, you find something else you didn't know :)

Paxx · ‎03-19-2010

I was hitting credit repair pretty hard about 18 months ago so there may be some cobwebs. It doesn't make any sense that CA could continue to report even though there is no longer a dept to collect on. CA is collecting on behalf of OC until the OC CO the account and considers it as bad dept. When that happen the OC sells the debt and then it belongs to the CA at that time. As we all know, collection accounts can be sold between agencies. I personally had one that switched hands around 5 or 6 times and each time it touched a new agency they reported. My report didn't have 5 different agencies reporting for the same collection, it only had one, the most recent along with the OC. I remember reading back when I was rebuilding and repairing that you settle with the OC always if possible. If the OC still owns the debt there is no reason for the CA to continue to report - the collection is already paid and settled. If the OC sold the debt to the CA then yes, they both will continue to report after one has been paid because the CA actually owns that debt. Could be wrong, like I said, a lot of cobwebs.

Paxx · ‎03-19-2010

You would simply provide proof (documents from OC etc.) to the CA that you paid the account in full with the OC and so there is no longer a dept to collect. My wording may have sounded as if it would simply poof and be gone when you pay. No, that''s not the case. but the end result would be the same. It may take some correspondence between yourself and the CA however.

Paxx · ‎03-19-2010

Just let it be. You got a freebie, you settled on a colleciton and so it should report for the full 7yrs but it looks like it was removed by error. I would be jumping for joy if I were you! :)

Paxx · ‎03-19-2010

First, A settled collection is the same as an unpaid collection as far as how fico figures your scores. Second. If the letter is from a CA and both the CA and OC are reporting, I would try to contact the OC 1st before doing any settlements with the CA. Fix the problem with the OC and the CA will go away. If your account has already been charged off you need to work with the CA. If you can afford, the best bet would be to PFD. The larger the amount of your PFD the more likely they are to work with you and remove your tradeline. Best case scenario is to PIF but they are trying to settle for almost half so you may be able to get away with a PFD for 75% - 80%. However, if you can't afford to PFD and need the settlement it may be your only option.. Just make sure you get it in writing. Once you settle you have no more leverage. Remember, the OC/CA want their money so they are willing to do more for you if you still owe and are wiling to pay. If they already have their money there is no reason for them to do you any favors.

Paxx · ‎03-16-2010

I'm prepared to take on any yankee joke that you can muster but I currently live in Texas and I hate it! If I see one more star on a house I'm going to scream! Maybe it's just the city I live in (Houston) but there is absolutely no part of Texas I enjoy. The weather sucks, my allergies are horrible and there are too many people! The only reason why I am here is because the wife is from here and her family is here. That and the job market is still decent. I'm from Michigan and I would love to get back up there - I miss the seasons.

Paxx · ‎03-02-2010

@demi wrote: Paxx...why would't you be able to efile? I did mine with new house, efiled. Had my refund in about 2 weeks. Because of a-holes abusing the system and receiving the first time homeowners credit even though they didn't qualify. Government wants to see your HUD with your return now and because of that, you have to file the old fashion way..good ol USPS. this is week 5 w/o my return. I'm not even going to start to look for it until mid-end of March.

Paxx · ‎03-02-2010

@BBYGRL wrote: I still haven't decided if I should use turbo tax or a CPA. I used it last year but I just bought my house a few weeks before. Any suggestions? Message Edited by BBYGRL on 03-01-2010 02:08 PM In 2009 we got married, bought a house, bought a new truck, the wife got laid off and collected unemployment (didn't have taxex witheld), found employment again, and we took some cash out of her 401k/Pension. I wrestled with the idea of getting a tax guy to do it for us this year just because how much stuff we had going on. In the end I did it myself with Turbo Tax. It was difficult and I had to wait until I had all my documents but the program walked me through it. Everything looked correct and now I am just waiting for my return. If the only change last year is you bought a house you should have no problem using Turbo Tax. That section is actually really easy. It just stink that you can't efile.

Paxx · ‎02-24-2010

As matth said, the company's reach doesn't stop at the office doors when dealing with any type of harassment be it a coworker, client or otherwise if you're at a company sponsored event. Pretty much the same rules apply at the event as they do in the office when dealing with this type of stuff. If it doesn't stop HR would be the appropriate person or in your case, a the CEO or senior manager. The company can get into some hot water quickly over this. My company just had a company wide harassment training and it covered something very similar. In the training scenario it was one of the company's top clients making inappropriate remarks and the people hosting the client felt uncomfortable. Your situation is very applicable and because it's an on going thing, something needs to be said. Message Edited by Paxx on 02-24-2010 06:43 AM

Paxx · ‎02-05-2010

We're still newly weds and have yet to officially merge our bank accounts for no particular reason other than just not getting around to it but I (husband) handle most of the bills. She buys everything when we go shopping and takes care of all the household expenses and will pay a bill here and there. I seem to pay more of the bills but over all I guess we pay the bills together. Message Edited by Paxx on 02-05-2010 07:17 AM

Paxx · ‎02-01-2010

Capital one has been very good to me. They gave me unsecured credit when no one else would and I've had them now for about 4 years or so now. I was stuck stagnat at $750 forever it seemed but out of the blue I logged into my account and saw that my limit with $4500. They increased my limit without a request making the card my largest limit credit card (next highest is $1800). I almost closed the account before thinking it was a dead end card but decided to just let it keep aging for the tradeline. Glad I didn't because now with that limit when I go shopping for prime credit it should be easier. Not sure when I will be ready to shop again though/ I havn't apped for a card in well over a year now and have no use for additional credit. Nice to know that I should be able to get a higher limit card now though - all that credit rebuilding really paid off.

Paxx · ‎02-01-2010

I've been filing my taxes with Turbo Tax for about the last 5 years or so and always get it direct depoisted into my bank account. Turn around time is usually 2 weeks or so. This year the wife and I bought a new house and filing for the 1st time buyers tax credit and because of the credit, we have to file via snail mail. Talk about brutal! I'm not even going to start looking for my return until the 1st of March (it was just placed into the mail today). I figure it will take them at least 2 - 3 weeks to just get the paper work and get it assigned to someone to work. Who know how long it takes for them to process once it hits someones desk. Another 2 - 3 weeks? Ugh, I miss you already efile :( Message Edited by Paxx on 02-01-2010 11:21 AM

Paxx · ‎01-15-2010

@gpeach wrote: most people are most likely going to file for the credit on their 2009 taxes That is what I planned until I found out that I could not efile my 2009 taxes if I was claming the 8000 home buyer credit. Last week I sent my ammended 2008 so I could efile my 2009 as normal. I have a small business and we have extra taken out of hubby check to make sure we never have to bother with having to pay and usually get a little back. Well this year I made half of the gross of the 2008. So expecting a large return. Did not want both tied up in the mail. Really? We closed in Sept. and I have just waited to file my for the credit with my tax return because I figured I could just do it all online and make it that much easier. Disappointed to find out that I can't efile :(

Paxx · ‎01-14-2010

@Anonymous wrote: Somehow I managed to get well into adulthood without seeing any of the Star Wars movies (although I definitely knew what a Jedi was!). After my husband proposed, he told me that seeing all of the movies was a prerequisite to our marriage! How old is your nephew? Took the words right out of my mouth. Told my wife the same thing before we sat down and had a marathon! Watch Star Wars, before marriage we must! http://www.yodaspeak.co.uk/index.php

Paxx · ‎01-14-2010

@LynetteM wrote: @Junejer wrote: I have had allergies since I was a baby and recently (within the past decade or so) asthma. I just started back on a weekly allergy shot regimen. It's a pain in the butt, but the hope is, come spring, I am good to go allergy free. I had to go through that horrendous back scratch test and had a major reaction to nearly everything on the test. I have an inhaler, eye drops, antihistamines, and nasal spray for the tough times. This is how to do it. I wish, got a shot in each arm when I was a kid for a couple years...didn't do a thing and have been turned off by allergy shots since. Maybe I should consider picking them up again but they are frustrating and expensive for me (my insurance will cover the shot but I still have a $20 co-pay week). They can take 6 months - 1 year to before you even start to see any result and even then you may not have any improvements.

Paxx · ‎01-13-2010

Long time Asthma and allergy sufferer here. I've had both since I was 5 or 6 and I wish I could get rid of them. My allergies are so bad that I was allergic to most of the things they scratch on your arm to test (I forget the exact amount but something like 85 - 90% I had a reaction to). I'm from Michigan, lived in Florida for a couple years and am now living in Houston TX. My allergies are by far the worse here in TX. Only thing that helps is Allegra-D and it has to the D (decongestant), regular Allegra doesn't work. Other than that the only thing that helps me is benadryl but it's a double edged sword because it makes me fall a sleep for a few hours. Thankfully with Advair (inhailed steroid) my Asthma is controlled but I still have to use the rescue inhailer once or twice every few days. I hate allergies :( Brace yourself, spring will be here soon and it only get worse!

Paxx · ‎12-18-2009

Tried to upgrade as well but keep being told that I have to reapply instore. I havn't applied for credit in almost a year save for our house we just bought and I don't want to waste an inquiry on Wal-mart. Anyone know how to get your Wal-mart store card upgraded to WM Discover? Thanks!

Paxx · ‎12-15-2009

I wouldn't because $1900 is a lot of money that could be used on bills or to buy more gifts for the family. Decorating is a fun experience and I enjoy doing it even though we don't have kids yet. In my late teens and early 20's I did a lot of construction work so I have no problems with heights or being on a ladder. That said if I was scared I still wouldn't pay that much to decorate. I would find other ways like putting lights on the bushes, around the bottom part of a tree truck etc. There is a market for this apparently because here in Houston I've noticed more than a couple signs on the side of the road for companies that will put up lights and what not. It just seems like a big waste of money to me.

Paxx · ‎12-11-2009

$2500 for a computer is a lot of money and not needed unless you are doing some serious gaming or stuff like rendering graphic's. I'm guessing you're not doing that on your current machine that's 7 years old so it's not a requirement. Why not spend a fraction of that amount and get a decent older (or new) computer for $1000 or less? I bought my laptop for around $600 and it does everything I want including a few games I play. Sure, it's not top of the line and it's a couple years old but it gets the job done and I didn't break the bank getting it. Also, right now there are a TON of deals on computer/electronics for the holiday season. You can save a ton of money by holding off a few weeks and shopping around. Dell is not the end all when it comes to computers. In fact, I will never own another Dell. If you have scores of 700+ you will have no problem getting a mortgage. The question is do you have enough savings for the down payment? If not then you would probably be better off saving money by paying yourself a car payment monthly and not worrying about a credit card payment. That way when you're ready to buy in a year you will have a goose egg saved up for the down payment and should have no problems getting approved. Message Edited by Paxx on 12-11-2009 10:38 AM

Paxx · ‎12-07-2009

We have Direct TV and love them. We only lose service if it's a severe thunderstorm due to the overcast. When that happens we simply watch something that we have recorded or pop in a movie. I signed up for standard def. Direct TV about 18 months ago but wanted to upgrade to HD. I didn't want to pay anything for it but was in a bind because I was still under contract. So I called up AT&T for the uverse to get more information and to just shop around. They said they would give me $200 to buy myself out of my direct TV contract and that was the ammunition I needed. I called up Direct TV and got in touch with their retention dept and told them AT&T was offering me money to buy out and that they would charge me less than what Direct TV was charging for a year. I asked them to upgrade me to HD including a receiver and installation for free. She agreed and also gave me free HD service ($10 credit a month for a year). The End result is a cheaper bill than what I was previously paying with the standard def. package. So for those of you in a differ optic area where uverse is available it might be a good idea to call up Direct TV and let them know they are willing to give you money to buy out of your contract to switch to them.

Paxx · ‎12-04-2009

Hey everyone, I'm in need of some advice regarding taxes. I usually do my taxes myself but this year I'm hesitate to jump into it for the following reasons: 1.) I got married 2.) We bought a house (1st time tax credit applies as it's our 1st house) 3.) My wife took money from her 401k AND pension (around $8 - 9k) 4.) My wife was laid off for about 4 months and collected unemployment benefits (no taxes withheld). Is it going to be too complicated this year to do it myself or will an online tax like Turbotax be able to walk me through it? If it will be too complicated, can anyone recommend a good and honest tax person in the Houston TX area? I'm new to the area and not sure who to go to and I won't touch places like H&R Block with a 10 ft pole. Thanks every!!

Paxx · ‎12-01-2009

To all of you with those credit steps Capital One cards that won’t seem to budge and to those who are just starting or in the process of rebuilding your credit: Around 3 years ago I opened up a Capital One card with a starting balance of $300. At the time I didn’t realize this was a credit steps card but looking back I’m pretty sure that is what it was. I received two credit increases – one to $500 and the next to $750 but I was a few days late on a payment and have not received any additional increases since. Fast forward two years where now I am much more educated on the Fico process and credit cards in general, I never expected this card to increase any more than $750. I thought it had hit a ceiling for this type of card due to my late payment (lass than 30 days) so long ago. I logged into my account last night to change my phone number and to just double check the balance on the card. I was absolutely floored to see my available credit of $4,550! At some point within the last couple weeks I got a credit increase of around $4,000! I couldn’t (and still can’t!) believe it! I had considered closing this account or trying to merge it with a different type of card a few months back because I thought it was a dead end card that will never grow with me. Since it’s my oldest and longest running good standing revolving credit tradeline I decided to leave it alone. I’m glad I did! I still won’t use the card very much but now it’s my highest limit card that should help me obtain prime credit at a decent amount when I am ready to start applying again. About 18 – 24 months ago I started the journey to repair my credit with the help of these forums and it was a long, difficult road. I almost gave up out of frustration a time or two but I kept sending the GW and PFD letters and was successful on some of my baddies but not all of them. It’s finally nice to start reaping some of the benefits of all my hard work and persistence. Keep it at and stay the course! Good things will happen! Time heals all wounds and there is no better example than your credit score.

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need advice on taxes please!

Capital one CLI after 2 years stagnant!!