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post #8131 of 10417
Quote:
Originally Posted by CarlosSpiceyWeiner View Post

You can recover from credit card debt pretty easy. Consolidate, and don't miss a payment! The other thing is to buy an item on credit and make the minimum payment ONE time and then pay off the card there-after....I'm not sure as to why that works but it does.

1. I can't get qualified for any loans at this point. Even if I did consolidate, there's no way we can pay the minimum due anyways. I can't even pay the monthly payment on my college loan. It has been in forbearance status for years and years now.
2. I haven't paid on any cards for many many years. They're still affecting my credit because they keep going from one agency to another. As a result, I can't even get a $250 credit card.

Wife and I have been talking bankruptcy for some time now. We owe well over $50k in bills (if not, more) yet we only make $30k/yr as a family.
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post #8132 of 10417
Ouch that is a hard time , I had trouble when I just bought my house but I knew guaranteed pay raises were coming yearly since im in the military , I bought it when I was 20 and making around 38K a year in july , knowing that in october it would go up to 47K and stay that way until about 2 weeks from now when it will go up again to 63K .. The house I bought was only 147K$ and I put 30K down for it . I have a different kind of rate though called a rate capper , I always pay 5.5% which is high for my area , the average fixed rate being in the 3.somethings , but with mine I pay whatever the current variable rate is towards interest and then difference left on the capital ( balance owed on the loan ) , I pay every two weeks so basically 2.5 % goes to interest and 3 % goes right to the capital .
    
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post #8133 of 10417
Man houses here are inflated. Where I work the average 4 bedroom 2.5 bath home is 500-600k (DC-Baltimore metro), that's why I live in PA where the houses are still a bit inflated at 200-250k for the same thing.

Oh yes, and student loans REALLY suck Krusher. I feel your pain there for sure! At least we can write off the interest on those. redface.gif
    
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post #8134 of 10417
Yeah I got lucky there , im in an area in canada that the houses arent too expensive , taxes are low-ish ( for us ) and I dont have student loans since I went to school in quebec and then my current trade I got through the canadian forces . my house is a 1700 sq/f 4 bed 2 bath century home and its price was typical enough , a 70s bungalow would have been between 180-240K$
    
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post #8135 of 10417
Quote:
Originally Posted by BWG View Post

Well, I will do this in the evening next time. We had 1 person on Skype and 5 watching the live stream lol

The Winners:

I7 JMattes
i7-2 She Loved E
Cat3 47 Knucklehead
nVidia amang
AMD Krusher33
Wildcard Desert Rat

Congrats to all the winners. Prizes will be requested in the morning via PM.

Congrats to Krusher for taking 1st in his category and winning a prize!!!! thumb.gif

Now we all need to step up!
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post #8136 of 10417
Quote:
Originally Posted by Krusher33 View Post

I haven't paid on any cards for many many years. They're still affecting my credit because they keep going from one agency to another. As a result, I can't even get a $250 credit card.

It is kind of a shifty way to go about things, but if you don't respond to them, or communicate in any way with them, the debt clears from your credit report after 7 years.
The 7 year timer isn't reset when the debt is traded to another creditor, but if you acknowledge the debt, either verbally or in writing, in any way, the 7 year timer starts over.
When they call, just hang up, and when you get letters, just shred them.
They can bug you on the phone and by letter, basically for the rest of your natural life, but they have no leverage.

I'm not 100% positive it still works exactly like that, as there was some new legislation regarding credit card debt that went into effect 3-5 years ago, but I believe it still works for older debt.

After my divorce 12 years ago, my ex wife went on a credit spending spree before everything was final.
I paid what I felt i legitimately owed, and blew the rest off.
I still get the occasional phone call or letter from the creditor de'jour who paid pennies on the dollar for the debt, but I just ignore them, or at most say I don't know what they are talking about.
10 years ago my credit score was in the low 300's, today it is in the 775 range.

I don't have any student loan debt though, as I dropped out of college in my first semester and went the skilled trade rout.
I won't ever get rich at it, but being a skilled HVAC/R technician in Texas is lifetime job security. wink.gif
Edited by Caleal - 10/1/12 at 2:19pm
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post #8137 of 10417
Quote:
Originally Posted by CarlosSpiceyWeiner View Post

YThe other thing is to buy an item on credit and make the minimum payment ONE time and then pay off the card there-after....I'm not sure as to why that works but it does.

Or my personal favorite for artificial credit score pumping, get one of those 20% interest personal loans from a place like One Main Financial, formerly Citi Financial, make one regular payment on it, then pay the balance off the next month.
Only out of pocket one months interest, but it shows up on your credit report as an installment loan in good standing.
I did it about once a year for 4 years, and got a 15 to 20 point bump each time.
You can't do it to often though, as more than 2 or 3 hard credit inquiries in a 2 year period will lower your score.
It also doesn't do much if you already have 1 or 2 installment loans, or already have a high credit rating.

Of course, nothing beats making payments on time, and lowering your debt to credit ratio.
Quote:
Looks like I need to invest in Texas! Also, great write up. thanks!

The price of natural gas cratered a few years ago, so they are not giving out the $15k to $25k per acre up front payment like they were, more like $2k to $2.5k per acre.
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post #8138 of 10417
Morning gentlemen. 2nd place and day two. Let's keep it up and push on!
    
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post #8139 of 10417
Quote:
Originally Posted by CarlosSpiceyWeiner View Post

Morning gentlemen. 2nd place and day two. Let's keep it up and push on!

wave2.gif Starting out strong!

Simonfredette and grillinman, DP needs you all to step it up this month wink.gif
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post #8140 of 10417
Simon, I think you need to pm gboeds from Team 13 to see how he's doing so well on his i7 960 compared to yours.
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