topic Re: A Small Victory... in General Credit Topics

A Small Victory...

Anonymous — Mon, 30 Apr 2007 23:17:09 GMT

BofA took the training wheels off my $500 secured Visa. It's about to become a $1000 unsecured Visa. Woohoo!

It took eleven months and three phone calls...not to mention my utilization on that card was 18%. I got the letter from them today...darn near had myself a coronary!

Re: A Small Victory...

Anonymous — Mon, 30 Apr 2007 23:22:25 GMT

WTG NWM, see you ARE making progress! Just keep thinking of the little positives that add up to great big ones.

Message Edited by HouseHunter on 04-30-2007 07:22 PM

Re: A Small Victory...

Anonymous — Mon, 30 Apr 2007 23:57:32 GMT

TheNewWorldMan wrote:
BofA took the training wheels off my $500 secured Visa. It's about to become a $1000 unsecured Visa. Woohoo!

It took eleven months and three phone calls...not to mention my utilization on that card was 18%. I got the letter from them today...darn near had myself a coronary!

I don't believe you NWM. You yourself said that hard work as far as credit is concerned NEVER pays off.

Just pulling your leg.... Congrats

Re: A Small Victory...

Tuscani — Tue, 01 May 2007 00:00:09 GMT

Congrats!

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 00:12:11 GMT

Unfortunately, it may well be the last good news I have on the credit front for a long, long time. But at least it showed my methodology was working...until the government came along and tilted the game to make the ball go straight down the middle.

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 01:38:56 GMT

Well, I've come to realize that the battles fought uphill the entire way are the ones most rewarding and satisfying in the end. It builds character and proves that you can do anything you set your mind to do. It may not be immediate or even remotely soon but keep doing the right thing and you'll get there, despite any road blocks placed before you.

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 02:23:32 GMT

Perhaps. But given that my enemy is the government trying to bleed me dry, there may come a time when I just get on a plane and take off to somewhere I can live my life in peace.

Re: A Small Victory...

Drew — Tue, 01 May 2007 02:44:47 GMT

Congrats, well done sir.

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 03:10:01 GMT

Way to go!!

You had to call them three times? Were they reluctant to make the change?

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 04:21:15 GMT

Thanks, everyone.

Yeah, you'd have thought I was asking them for their first-born son or a tank of gas or something like that.

I went through two supervisors. I think one difference was the first time I put my request in I was at 52% utilization...the second time I was down to 18%. But today I got the letter...I was fully expecting it to be a rejection.

As it turns out, this will likely be my credit rating high-water mark until the early 2020s...it will be all downhill from here, unfortunately. Seems like some mighty powerful people don't want a Joe like me to get ahead. But I did this once, and they can't take that away.

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 05:35:54 GMT

Great job! I ain't telling you anything you don't already know, but fight hard, fight harder, don't give up, don't take no for an answer, and ignore the naysayers (as there are plenty of 'em in here) who enjoy repeating "Oh, you can't do that".

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 20:10:49 GMT

Way to go NWM see you just need to be the Little Engine. I think I can I think I can oh yea you did it. I know that feeling though I finally got 1 of my collections removed and it felt so good then I pulled my Scores and not 1 point I did not ask for gas

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 20:16:49 GMT

Congratulations!!!!!!!!!!!!! Hard work does pay off.

Re: A Small Victory...

Anonymous — Tue, 01 May 2007 20:20:46 GMT

Well done!

Maybe you won't have to leave the country after all!

Re: A Small Victory...

Anonymous — Wed, 02 May 2007 03:58:44 GMT

masdeocho wrote:
Well done!

Maybe you won't have to leave the country after all!

Oh, I'll still have to. Once the child support Soviets get you into their system, you can't make a living anywhere in the United States. Not on the grid anyway. The irony is that my kid (remember, that person the child support system is supposed to be all about) is going to suffer because of all this. The job I have now is a decent job, with full benefits for my child. But they're going to start garnishing my wages now. So I'm going to have to quit this job pretty soon and live off the grid. No health insurance for myself or my kid. All because the Communists running the system are so greedy.

So I'm going to have to make money off the grid and save it up until I can leave.

And if there's a Hell, I hope whoever wrote these child support laws burns there.

Re: A Small Victory...

smallfry — Wed, 02 May 2007 04:31:54 GMT

What's with the garnish. I pay weekly to the State child support agency and they forward the money to Mother. With three children I pay about 62% of my gross pay each week. It could be worse. I could still be married to her.

Re: A Small Victory...

Anonymous — Wed, 02 May 2007 04:34:44 GMT

Dante condemned usurers (money lenders) to the Seventh Circle, Inner Ring, of H*ll.

The Eighth Circle, Malebolge, is reserved for the fraudulent. Corrupt politicians go to Bolgia 5 of Malebolge.

Re: A Small Victory...

Anonymous — Wed, 02 May 2007 06:40:44 GMT

If all else fails, and they take my passport away, I will embarrass the United States and the State of California in the eyes of the world. After I tip off the press ahead of time, I will go to the embassy of Cuba or Venezuela and apply for asylum there. When the press comes calling, I'll tell them that since the U.S. government has condemned me to live under a communist regime, I'll at least pick one where I can keep more of my income and get free health care. I'll also point out that the child support system violates the equal protection clause of the U.S. Constitution, as well as human rights treaties to which the United States is a signatory (illegal discrimination based on gender).

Re: A Small Victory...

Anonymous — Wed, 02 May 2007 06:42:22 GMT

@smallfry wrote:
What's with the garnish. I pay weekly to the State child support agency and they forward the money to Mother. With three children I pay about 62% of my gross pay each week. It could be worse. I could still be married to her.

No offense, but you should pack up and leave.

You could live in Communist China and not have as much of your income stolen by the government.

Re: A Small Victory...

Anonymous — Wed, 02 May 2007 12:58:50 GMT

NWM,

If you honestly feel this way why dont you trying and band with others to change it. I know I worry about my teenage boys now because I have saw a girl get knocked up just to trap him and she even had his name put on the Birth Certificate and even though they did not stay together (one nighter according to her) she hit him for child support and just drug him down the eternal tube of hell just to find out that the kid was not even his. Now it is costing him child support and a lawyer to go back to court to try and have the support lifted so far 2 hearing and no luck cause she put as the birth father. I am a female and have 2 boys and 2 girls if my girls ever did that I would beat the **** out of them. What these people are doing is using these kids as hostage for money and that is wrong. No wonder we have so many deadbeat parents out there not just men they just get most crap about it. If I could help you NWM I would I dont think it is right that you fork over 1/2 or more of your pay check and then in some cases cant even claim the kid at tax time.