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since
08-18-2007
12-17-2024
ineedcreditbad
Regular Contributor
195
Posts
9
Kudos
10-25-2009
11:57 AM
Thanks for the info. Another question though, I will be graduating in 2010 and then plan to start my Masters, should I consolidate all my federal loans once I graudate in 2010 or wait until I complete my Masters or it doesnt make any difference? Thanks Ed
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10-24-2009
10:42 AM
Guys, Need some advise here. I currently have a private loan around 27K with an interest rate of 3.5% + LIBOR which comes around 8%. Is there anyway for me to get this loan transferred to a fixed rate or consolidate this with my federal loans. Currently loan is not in repayment. Thanks Ed
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10-15-2009
10:53 AM
Thanks. I am thinking of making a switch to First NY FCU they are a 5 star as per the Bauer Financial. Hopefully they should be better than my current CU. Thanks Ed
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10-14-2009
01:50 PM
Thanks for the advice. The only reason I have a high balance on Cap One is beacuse I have 0% till mid of next year and the idea was to pay it off by Mar 2010. I have a Penfed card also any suggestion for a four star CU. Thanks Ed
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10-13-2009
05:12 AM
Thanks for the info, I wasnt even aware of that, no wonder they screwed me. Questions With a decrease in my limit will this affect my other cards? Should I payoff the balance, close card and join a higher CU Thanks Ed
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10-12-2009
02:16 PM
I did call them and got the usual bull***t that i need to make sure that my income to debt ratio is not high and that I dont carry too much balances. Then he said that I have not been making large payments as I did before and I told him as I bought a new house I have been buying home stuff then he brought the Cap One balance that its close to the limit and on which I have a 0% apr till mid of next year. I am just pissed at this crap that they would do something like that to a customer who is never late and pays on time. What worries me if my other cards will follow suit which have very low balance and high limits. Thanks Ed
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10-12-2009
01:54 PM
Its Sunmark Credit Union. Should I expect other banks to reduce my limit becuase of limit decrease from my CU? Message Edited by ineedcreditbad on 10-12-2009 02:08 PM
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10-12-2009
12:32 PM
Guys, Need some advise here. My credit line just got decreased 5K to 4K by my credit union bank because I was too close to my credit limit on my Cap One card. I have never been late on any of my payments and have always paid either in full or more than the minimum. What kind of an impact should I see on my other cards based on what my credit union has done? Thanks Ed
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09-26-2009
12:35 PM
Guys, After filing my 1040X in May to receive my 8K, I found out today the IRS needs a copy of my HUD 1 statement before they release my credit. As I was going through my paperwork I found out the clerk at the closing office gave us all the closing documents that bears no signatures of myself or the other party, I am not sure why that happen. Isn't my lawyer suppose to give me a set of copies of all the documents I signed at the time of closing with my signature on them along with the other parties? Ed
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08-26-2009
04:36 PM
Need some help here. I bought a house in May 09 and am looking to do some re-modeling, any idea what banks are giving out this kind of loan as I dont have any equity. Thanks Ed
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05-22-2009
05:17 PM
Just got approved from Penfed for 10K, scores were 725-750 fako. Ed
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05-22-2009
05:11 PM
1 Kudo
Hello Everyone, Just want to thank every one on this forum for their advise. I finally closed today with no issues, got a fantastic rate of 5.5%, 30 year fixed under FHA. Again thanks to everyone. Ed
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05-12-2009
10:41 AM
Thanks guys. Just spoke to my bank and any extra payment I make goes to the principal. Ed
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05-12-2009
10:23 AM
Guys, Just called Crap One for CLI and was advised no CLI until further notice. Any idea which banks are giving out good limits. Current score is between 690-720. Thanks Ed
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05-09-2009
08:26 PM
Guys, My loan payment is due every 10 of the month. I always pay more than the minimum and over the months my payments have been due every 60 days as I pay extra. My question is if my payment is due on 10 Jun as per the system and my last payment was made on 08 April and when 10 May arrives will system recognize that my payment is not due till Jun 10 and it wont raise a flag prompting as a no payment. I hope its not confusing. Thanks Ed
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04-29-2009
05:59 PM
Guys, I close on my first home in 2 weeks. Anything I should be looking out for at the closing table? Thanks Ed
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04-29-2009
04:58 PM
Hi Guys, Need some loan advice here. Currently we have one car and owe 12K on it. My spouse recently got her license and I plan to give her my car and get myself a new one. Questions My credit scores are in 690-720. Should I keep both the cars loan in my name? And if I do keep the both loans what are the chances of getting approved for a 30K loan on a new car. Should I sell the car to my spouse and have the loan in her name? Her credit rating is good but income is low as she works part time. What are the chances of her getting approved? Thanks Ed
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03-13-2009
11:19 AM
Guys, Here is my dilema, For the past year and a half I have been receving these medical bill for my kids from a collection agency most of them have either been paid by the Insurance company or by myself. The issue I am having is with this one bill which has been paid to the hospital by the insurance company in 2007 but the hospital and the collection agancy keep insisting that I have to pay the balance of 178.00. With the explanation of benefits I have received from my insurance company all charges have been paid and its says that I am not suppose to pay anything. The same explanation has been sent to the hospital and the collection agency but they keep insisting. What can I do or who can I speak to stop this. Thanks Ed
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03-10-2009
05:38 PM
Good point. Any suggestion which cards should I be going for that are lending these days? My Blacklist are BOA,CITI, CHASE, WAMU and HSBC. All others are welcome.
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03-10-2009
05:31 PM
That is the intention to close first and then apply. Should I wait for a month and then apply for CC or right away after closing?
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03-10-2009
05:26 PM
Guys, I am looking into getting a new CC. Currently credit rating is very good and i have one Amex, and two Cap One, balances are at zero except for one which is at 50%. Student loans are defferd and have a car loan, I recently bought a house also and will be closing next month. Any advise which card should I be applying for that will be give me atleast 10K limit with a reasonable apr. Thanks Ed
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02-27-2009
05:45 PM
Guys need some help. I have signed the contract and the commitment letter for a house that I want to buy. The seller agent is claiming that he is not able to provide all the paperwork on the improvements made to the house as it is an estate. Which was not the case when I saw the house and was told all the paperwork is available. As per the advertisement the seller claimed the following New Roof - 2004 New Siding, Windows, doors - 2008 New Deck and railing - 2008 Appliances - 2007 Central A/C - 2006 What are my options? Thanks Ed
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02-18-2009
01:13 PM
I was recently approved for FHA loan 30Years fixed in NY for 178K which includes seller concession.
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