@drkaje wrote: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.
Now that is cause for a HAPPY DANCE!!! (Just don't be too loud, you may have to tell your neighbors "Sorry for party rockin") 
@LS2982 wrote:
@drkaje wrote: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.
Now that is cause for a HAPPY DANCE!!! (Just don't be too loud, you may have to tell your neighbors "Sorry for party rockin")
I have to hear their dogs. A few minutes of my yelling shouldn't be a big deal. 
The company associated with my last baddie has already shown goodwill and removed a few blemishes. It was a one time adjustment from someone at the top so there's nothing to do but let it gracefully age away.
@drkaje wrote:
@LS2982 wrote:
@drkaje wrote: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.
Now that is cause for a HAPPY DANCE!!! (Just don't be too loud, you may have to tell your neighbors "Sorry for party rockin")
I have to hear their dogs. A few minutes of my yelling shouldn't be a big deal.
The company associated with my last baddie has already shown goodwill and removed a few blemishes. It was a one time adjustment from someone at the top so there's nothing to do but let it gracefully age away.
Crank that volume up then!!
update.. I applied for an increase on my NavCheck currently at 1K ..asked for 5k... APPROVED!!.. today has been an amazing credit day!!!
Awesome!!
@Gray wrote:
Anyone can join USAA or Pentagon Federal Credit Union. The only limitation with USAA is no auto/property insurance. How to join PenFed, make a one-time donation to the Military Family Association: https://www.penfed.org/howToJoin/overview.asp
The situation I was just in with USAA the past week I wouldn't recommend them to my worst enemy. Downright horrendous CS.