Congrats GClark! That's great news!    Wonderin - Your stories are adorable. Good luck on your move. ... View more

I hope they do a follow up show on her. I'm curious to know how she's maintaing her lifestyle. ... View more

@niecey89 wrote: Did you see the episode of the lady who lives in Orange County, CA? She and her husband is in $230,000 in credit card debt.  They bring home $9000 a month after taxes but was $19,000 in debt every month. Suze told her to sale her recently remodeled house. She told Suze, NO. The husband wants to file BK and she said NO. WOW, the denial to live priviledged is crazy.   I couldn't close my mouth after she said no. Caught a couple of flies. She was/is a HOT MESS. What was the point in being on the show?  She's an example of why our economy is in the toilet. ... View more

Let us know how it goes. Hopefully I will have the same butterflys in less than two weeks. Congratulations!   You might want to use a pen with a cushion. LOL ... View more

Congrats!  That's awesome! ... View more

I have/had the same questions Wonderin. I'm in escrow and I should close in the next 10 days. Although I gave my 30 day notice on 12/31, my management company assured me that I can cancel my notice or pro-rate any additional days I might need if I don't close by the end of the month. ... View more

AWESOME!  What a way to start off 2009! Happy happy joy joy! Message Edited by BBYGRL on 01-06-2009 03:29 PM ... View more

I was approved (pre-approved) for a home loan on Jan 2nd.  Just waiting for the inspection results. Wish me luck!   HAPPY NEW YEAR everyone!   BBYGRL ... View more

@haulingthescoreup wrote: @MidnightVoice wrote: My Amex Blue is now over a year old.  And the car loan is inching closer and closer to the year mark (on Boxing Day, for all you Brits out there).  Then it will be a full appless year.   In fact, come Jan 1st I will have had a calendar year with no new credit applications at all  :D OK, at this point, I'm about ready to pass the hat to collect funds for you to pull your new scores!   I'll chip in!  He deserves free scores after refraining for 1 whole year! WOW   I checked back in for the 2nd or 3rd time. I'll be there for a while. Message Edited by BBYGRL on 12-16-2008 03:41 PM ... View more

Gottcha.  Thanks! ... View more

Thanks! ... View more

Would it be difficult to say by how much? I'm waiting to hear from my broker. I was quoted 5.25% for an FHA loan yesterday.  She did say we should wait to lock the rate since there was a chance it would go down. ... View more

@marty56 wrote: If they didn't mark you as late, I don't see why you lost points.  Are you sure the didn't send they account into collections?    Hey Marty,   I'm curious to know if the CL is reported when you enter a DMP or make payment arrangements with the CCC? Do they stop reporting the CL when you can no longer use the card since it may be considered closed for the time being? I would think you would lose points if you lose that benefit. ... View more

@Anonymous wrote: Congratulations on your rising FICO scores. As noted, the numbers are very complex and in today's broken economy they have lost some of their significance. Despite having excellent FICO scores (all three 800+) I am still stuck with lousy credit cards- the best one is 7.9% but my two others are at 9.9 and 12.9%. I've also been turned down for a home loan by 3 lenders. They say it had nothing to do with my credit rating. They claim its because of Fannie Mae appraisal standards. Maybe true. But before the economy tanked I doubt I'd be having trouble getting approved.   So, don't become jaded like I was into thinking that having high FICO scores will ease all of your financial pressures until the economy is turned around.    I'm in escrow as of yesterday. Although I was pre-approved and my loan officer is confidant I will be approved, I hope I done run into an snag. Wish me luck! I hope your situation turned around. ... View more

@Anonymous wrote: Congratulations on your rising FICO scores. As noted, the numbers are very complex and in today's broken economy they have lost some of their significance. Despite having excellent FICO scores (all three 800+) I am still stuck with lousy credit cards- the best one is 7.9% but my two others are at 9.9 and 12.9%. I've also been turned down for a home loan by 3 lenders. They say it had nothing to do with my credit rating. They claim its because of Fannie Mae appraisal standards. Maybe true. But before the economy tanked I doubt I'd be having trouble getting approved.   So, don't become jaded like I was into thinking that having high FICO scores will ease all of your financial pressures until the economy is turned around.  I agree. I just met with a Realtor last week. Although my scores are high, I know the loan process will be a headache. I'm not worried though. God will make a way. I have a good income, been on my job 11+ years and will have virtually no debt (besides my car loan) before I close. I'm optimistic. ... View more

@Anonymous wrote: BBYGRL   are there any pointers/tips you can give to me as I am in the process of trying to rebuild my credit for me and hubby.  we are in the low 500's right now   Welcome to the FICO Forums. I would suggest you visit the the following links first:     Rebuilding Your Credit: http://ficoforums.myfico.com/fico/board?board.id=rebuildingcredit   Fico Scoring/General Credit issues: http://ficoforums.myfico.com/fico/?category.id=ficoscoring_othercreditissues   Frequently Requested Threads : http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=5000   These threads were extremely helpful in addition to the advice/suggestions/replies I received from specific questions I posted.     Then...   If you have not already done so, pull your three credit reports (EQ, TU, EX) and review them carefully and come up with a plan for your specific situation. Don't be afraid to post questions. The Mods and other experienced FICO Forum contributors can provide guidance.   Be patient and diligent. Credit repair is challenging and will take time. Lean on your new FICO Forum Family for support and encouragement.   I hope this helps. I wish you the best on your journey.   Peace and many Blessings! ... View more

@Anonymous wrote: @mazinaige wrote: @BBYGRL wrote: I had several lates (30,60,90,120) on an closed Discover account that I finally paid off in June of this year. ... I reapplied and was approved. Was your new Discover TL given a new age or the old age of your former account? I don't presume to answer for BBYGRL, but Amex is the only creditor that does what you are asking about.  Discover does not reage new accounts simply as a matter of policy.   You do realize that this thread is almost a year old, right? :)   Message Edited by cheddar on 11-07-2008 10:08 PM   Cheddar is correct. Discover would not reage my new account. I had to start all over. ... View more

Congrats Lady!  That's great news! ... View more

I received the online legal notice. I haven't received the $10 monthly fee/5% notice. I hope it doesn't apply to my account. If it does, this card will get the ax pronto! Message Edited by BBYGRL on 11-18-2008 12:54 PM ... View more

WOW!  Good for you! ... View more

@itsjustmeibe wrote: Cap One is stingy with limits. I have a 730 score and they gave me $1,000.     I think I depends on the type of card you apply for. Cap One can be stingy with CLIs as well. I was approved for a Chase Freedom Card for a BT last month. I personally prefer Chase or Discover over Cap One.  ... View more

@Anonymous wrote: hi i new and would like to know what was your score when you started and how did you get to way you are now? Great job you should be very very proud.     Thank you Mercedes. Welcome to the FICO fourums! My scores were in the low 600's when I began rebuilding. Here's a link to my 1st post that speaks to my journey: http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=50060#M50060.   Since this post several neg TLs have fallen off and I added 5 new CC which have 10k + CLs (except two). I have balances on 2 CCs currently, the age of my oldest accounts is 20 years and all of my TLs are positive.   I hope this helps. Good luck to you on your journey!     Message Edited by BBYGRL on 11-18-2008 12:26 PM ... View more

I'm sorry about your loss Matt. ... View more

God bless your heart. You are in deed an inspiration to us all. Here I am frustrated because I had to pull my daughter out of cheer today because of low grades. It could be much worse. Thank you for sharing. You and your family will be in my prayers. ... View more

The higher you go the harder you fall I guess. I can't complain though. Thanks for your encouragement. I'm sure a number of you will be joining me real soon! Now that's going to be FUN! LOL   ... View more