The Quest for an SSL alternative to Alliant

[Anonymous]

You want a legit way into that credit union? Take a correspondence course via Adams State University. You then are a legitimate student in Colorado, but you have to enroll in a course, which has a cost.

[Anonymous]

Thank you! Something like that is what I'm thinking about. I'm willing to spend some money on this, but 1000$ is a bit steep just for improving my score. ;-)

[Anonymous]

Is $129 too much?

https://www.ed2go.com/adams/SearchResults.aspx?CurrPage=1&CategoryId=17&Sort=RELEVANCE&PrevSort=RELE...

[Anonymous]

That looks great, thanks!!

[Cookiegrabber]

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@Anonymous wrote:
Is $129 too much?

https://www.ed2go.com/adams/SearchResults.aspx?CurrPage=1&CategoryId=17&Sort=RELEVANCE&PrevSort=RELEVANCE&SortAsc=True

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Nice! There are a bunch of $115 courses, too!

[Anonymous]

Then you are all legitimate and don't have to feel like you are sneaking around.
LOL!

[Anonymous]

Is there any reason to not  take 3k off a credit card as a BT, put it in NFCU savings and use that for a Shared Secured loan? Wouldn't I  get the majority of it back after a month after the first loan payment? Would it look bad on my reports to have a 3k balance and a 3k loan taken out the same cycle?

[Anonymous]

I don’t see why they would have to necessarily correlate. I don’t see the harm. But I will be watching to see if anyone else has any ideas or thoughts.

[Anonymous]

There would be no harm from a scoring or manual review perspective.  There is of course the possible hit to one's wallet from a BT fee.  (E.g. 2% of $3000 = $60).

The fact that our friend is exploring using a BT suggests the strong likelihood that he does not have $3000 in a savings account.  That in turn suggests that he is likely living paycheck to paycheck and could be at grave risk if anything serious happened in his life.  A higher priority in my opinion should be (a) making sure all CC debt is paid off and (b) creating an emergency fund of at least $1000 plus three months of expenses.

But there is no reason not to implement the SSLT at the same time that he works on the other issues, if he wants.

[Anonymous]

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@Anonymous wrote:
I don’t see why they would have to necessarily correlate. I don’t see the harm. But I will be watching to see if anyone else has any ideas or thoughts.

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Hi Birdman.  I will be leaving the forums soon and am not likely to return.

If you or someone else wish to manage this project (finding some solid well-tested CUs and banks for the SSL technique) I'd be delighted to walk you through how to set up a new thread for that purpose.