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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: OMG..STUNNED


drkaje wrote:

@LS,

 

More reality than bummer, LOL!

 

Citi is offering 1.99% until Jan 2014 with 4% BT fee. I have the closing date figured out and plan to shuffle the debt before the card reports maxed out. Just ran a BT calculator and saw what it would save.


Sounds like a good plan!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: OMG..STUNNED


LS2982 wrote:

drkaje wrote:

@LS,

 

More reality than bummer, LOL!

 

Citi is offering 1.99% until Jan 2014 with 4% BT fee. I have the closing date figured out and plan to shuffle the debt before the card reports maxed out. Just ran a BT calculator and saw what it would save.


Sounds like a good plan!!


I'm glad this conversation came up! Closing date is March 10th so there's more than enough time to get it done.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: OMG..STUNNED


drkaje wrote:

LS2982 wrote:

drkaje wrote:

@LS,

 

More reality than bummer, LOL!

 

Citi is offering 1.99% until Jan 2014 with 4% BT fee. I have the closing date figured out and plan to shuffle the debt before the card reports maxed out. Just ran a BT calculator and saw what it would save.


Sounds like a good plan!!


I'm glad this conversation came up! Closing date is March 10th so there's more than enough time to get it done.


I hope it all works out for you! And your upcoming new mortgage! Congrats!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: OMG..STUNNED


LS2982 wrote:

drkaje wrote:

LS2982 wrote:

drkaje wrote:

@LS,

 

More reality than bummer, LOL!

 

Citi is offering 1.99% until Jan 2014 with 4% BT fee. I have the closing date figured out and plan to shuffle the debt before the card reports maxed out. Just ran a BT calculator and saw what it would save.


Sounds like a good plan!!


I'm glad this conversation came up! Closing date is March 10th so there's more than enough time to get it done.


I hope it all works out for you! And your upcoming new mortgage! Congrats!


I meant card closing date.

 

No mortgage due to impact of DTI caused by student loans. That's one of the reasons I'm finishing pushing to finish school. USAA saying "No" at pre-approval really was a "yes" because I would have never been able to drop everything and make these moves. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Regular Contributor
credithappy
Posts: 153
Registered: ‎07-25-2008
0

Re: OMG..STUNNED

Congrats👍
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: OMG..STUNNED

[ Edited ]

drkaje wrote:

LS2982 wrote:

drkaje wrote:

LS2982 wrote:

drkaje wrote:

@LS,

 

More reality than bummer, LOL!

 

Citi is offering 1.99% until Jan 2014 with 4% BT fee. I have the closing date figured out and plan to shuffle the debt before the card reports maxed out. Just ran a BT calculator and saw what it would save.


Sounds like a good plan!!


I'm glad this conversation came up! Closing date is March 10th so there's more than enough time to get it done.


I hope it all works out for you! And your upcoming new mortgage! Congrats!


I meant card closing date.

 

No mortgage due to impact of DTI caused by student loans. That's one of the reasons I'm finishing pushing to finish school. USAA saying "No" at pre-approval really was a "yes" because I would have never been able to drop everything and make these moves. :smileyhappy:


Oh, sorry i mistook that! Yea student loans are a real killer on DTI. My DW will be impacted by this real soon. I'm working with here to repair her credit.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: OMG..STUNNED


LS2982 wrote:

drkaje wrote:

LS2982 wrote:

drkaje wrote:

LS2982 wrote:

drkaje wrote:

@LS,

 

More reality than bummer, LOL!

 

Citi is offering 1.99% until Jan 2014 with 4% BT fee. I have the closing date figured out and plan to shuffle the debt before the card reports maxed out. Just ran a BT calculator and saw what it would save.


Sounds like a good plan!!


I'm glad this conversation came up! Closing date is March 10th so there's more than enough time to get it done.


I hope it all works out for you! And your upcoming new mortgage! Congrats!


I meant card closing date.

 

No mortgage due to impact of DTI caused by student loans. That's one of the reasons I'm finishing pushing to finish school. USAA saying "No" at pre-approval really was a "yes" because I would have never been able to drop everything and make these moves. :smileyhappy:


Oh, sorry i mistook that! Yea student loans are a real killer on DTI. My DW will be impacted by this real soon. I'm working with here to repair her credit.


Student loans are one of those things that can spiral out of control. All it takes is not making enough money to offset what the degree cost or failing to graduate.

 

Did the BT, should clear tomorrow or tuesday.


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Current Score: EX 753 FICO, EQ 737FICO, TU 738
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: OMG..STUNNED

"Student loans are one of those things that can spiral out of control. All it takes is not making enough money to offset what the degree cost or failing to graduate.

 

Did the BT, should clear tomorrow or tuesday."

 

Sweet!!!

 

Yes, i'm very concerned about all of her loans here in the near future on how much they're going to be and how will they work with us on repayment. :smileysad:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: OMG..STUNNED

Some companies offer income sensitive repayment but you'll make very little progress on principle.

 

My credit is fine (now) but there was tons of school related credit spending and even a year of student loan payments that had to be charged! I basically have to take on more debt in hopes of finally getting things right, LOL!

 

Good news is my last late anything ages off this October. Regardless of DTI, or utilization, I'll have a spotless record. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: OMG..STUNNED


Mustanglvr2006 wrote:
Congrats Mellon, that is a terrific CLI from a terrific CU (From what I've read) I'm not a Member and can not become one, as I have no Family in the Military, I do have Family that were in the Military but I'm not going to ask them to join just so I can.

Mustang;

 

If your parent or sibling were RETIRED from military, they don't have to be members for you to join.  Usually you only need their name and address, NFCU can see if they're retired military (or retired contracted military employees).  If they didn't retire from the military or contracted etc, then it wouldn't help.  You can probably call NFCU if you're related to someone you think might qualify even if they aren't members and find out if they in turn qualify you. If they were NFCU members in the past and retired but closed their NFCU membership, it would still be in NFCU's records.

 

Just remember though, they pull for membership at least once as well as for credit products (additional pulls, they don't use the membership pull for credit for 90 days like PenFed).  Pulled EQ twice and TU once for me for membership and cards (I could have that backwards on the CBs pulled, I'd have to check).


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