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#1 | |
Choco Favre
Join Date: Jul 2012
Casino cash: $2124765
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Quote:
Well good luck man, I hope whatever you end up doing works out. Have you considered getting an MBA? Last edited by New World Order; 07-16-2014 at 01:38 AM.. |
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Posts: 29,439
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#2 | |
Resident Glue Sniffer
Join Date: Nov 2003
Casino cash: $4699358
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Quote:
....I feel like such a puss now compared to that kind of schedule. ![]() for real though - ...that's admirable. big time.
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Life is 99% inspiration, 1% Perspiration, and 1% Attention to Detial. RIP & Godspeed: Saccoppo Lonewolf Ed Fire Me Boy |
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Posts: 37,381
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#3 | |
Fish are scared of me
Join Date: Nov 2001
Casino cash: $1170477
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Posts: 40,488
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#4 |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
Casino cash: $1476899
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Unless I'm remembering incorrectly (which is possible), it seems like Mr. Flopnuts used to work helping people with these types of issues. Might be worth a PM to him if he doesn't chime in.
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Posts: 52,050
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#5 |
**** off
Join Date: Feb 2007
Location: New York
Casino cash: $7131882
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Thank you sir - perhaps I shall!
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"**** up once, lose two teeth....” |
Posts: 5,223
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#6 |
Resident Glue Sniffer
Join Date: Nov 2003
Casino cash: $4699358
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after years of getting our ass kicked after '08 crash and our foreclosure, Dayze and the wife made a hard choice by ditching one of our old 401s that we didn't roll over. Nothing significant at all. considering I still have at least 30 more years of woking, I'm not sweating it.
today, we paid off my car a year early (a whopping $3500 bucks for pay off); one of our 'oh shit ' credit cards we had to use during the recent layoff (had about $700 on it); and 2 others that were on payment plans after the companies waived fees, interest and penalties if we entered into a 5 yr plan back in 2010. those 2 cards are done a year early. freed up about $1000/mo in cash flow which is needed in a bad way given the employment situation. Still have our other 401s. Sucked to cash out, but after freeing up 1k/mo in cash flow and allowing us o stick back the remaining $8k/ish into our savings......the relief is overwhelming. but even before all this jockeying around, my score was still at like 700. not awesome by any means, but considering all the bullshit we've had to battle the last 5-6 years, it's not bad. I'm anxious to see what impact it will have on my score. 1 card left (the wife's, of course lol). the light at the end of the tunnel is near.
__________________
Life is 99% inspiration, 1% Perspiration, and 1% Attention to Detial. RIP & Godspeed: Saccoppo Lonewolf Ed Fire Me Boy |
Posts: 37,381
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#7 |
In Search of a Life
Join Date: Apr 2013
Location: Kansas
Casino cash: $2608994
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Good credit is a huge deal. When I was in your situation, I worked out a deal with the creditor, paid it and it was all good. Hopefully it works the same for you.
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Posts: 21,990
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#8 |
Mostly Ignored
Join Date: Jul 2013
Casino cash: $8499985
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Tytanium's post is solid advice.
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Posts: 18,096
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#9 | |
Escalades
Join Date: Jan 2014
Location: Lee's Summit, MO
Casino cash: $10012188
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Quote:
There is a company in Lee's Summit, MO called The Credit Guys. They can get that account completely removed from your credit bureau. I've sent dozens of my clients to them and they've always delivered. They get charge offs, repos and foreclosures off of peoples credit reports all of the time. It might cost you a couple hundred dollars to get it done but it will be worth every penny. |
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Posts: 1,841
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#10 | |
Starter
Join Date: Jan 2009
Location: Lawrence
Casino cash: $10007108
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Posts: 324
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#11 | |
Escalades
Join Date: Jan 2014
Location: Lee's Summit, MO
Casino cash: $10012188
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Quote:
If the creditor does respond then the Credit Guys repeats the process and sends out another flurry of letters until the creditor doesn't respond and it's removed. I've been in finance for 14 years and have yet to see a borrower with the dedication to do this themselves, that is why there is companies like the Credit Guys and Kansas City Credit Services that do this for them. |
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Posts: 1,841
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#12 | |
Escalades
Join Date: Jan 2014
Location: Lee's Summit, MO
Casino cash: $10012188
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Posts: 1,841
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#13 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
Casino cash: $1476899
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Posts: 52,050
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#14 | |
**** off
Join Date: Feb 2007
Location: New York
Casino cash: $7131882
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Quote:
I have a great job, a car I own & I figure now is the time to take care of it fully since I just turned 30.
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"**** up once, lose two teeth....” |
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Posts: 5,223
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#15 |
Escalades
Join Date: Jan 2014
Location: Lee's Summit, MO
Casino cash: $10012188
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You can't put a price tag on having good credit. Interest Rates, Insurance Premiums, Cell Phones, Cable TV, pretty much everything is tied to your credit.
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Posts: 1,841
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