Looking for some advice on repairing/establishing my credit.  I currently have a 468 TU score and a 460 Equi score.  Both up from around 410-420 about 2 weeks ago. 

 

Reasoning behind the low scores: The first issue being that I was married and at the time not working (due to pregnancies) however, my husband at the time had horrible credit so all bills, bank account, credit cards, etc was in my name.  He then stopped paying the bills, went to jail, etc and we got divorced.  Everything is on my report and in collections as well as 2 auto repossessions.  The other issue on my report is medical bills.  There was a period of time approx 1 1/2 years ago I did not have health insurance on my kids and myself and of course, due to emergency situation I had to take 2 of my children to the ER which in turn ran up 1000′s of medical bills. 

 

I have started paying off low balance accounts and did contact one CA which has agreed to do a settlement over 3 payments with a PFD in the end and issue a letter that it has been deleted upon reciept of the final payment.  One of the other accounts has been updated from unpaid to paid. 

 

I am now in a relationship and we are looking to buy a house.  My bf has good credit however, we need his and my income in order to qualify for a mortgage.  Obviously, with low scores I can’t qualify at this point. 

 

What are my best options to get my scores up?  Is it better to pay off the oldest collection accounts or pay of the most recent ones that were put on by the medical charges about a year ago?

 

Would it benefit at all to become an AU on his credit cards or should I just maintain my own credit and repair that first?

 

Thanks!

 

Surprise, high levels of  lead is found in toys and other items in products sold by Walmart and Target.  Could it be that the US trade agreements with China have anything to do with this problem.  I note that no mention is made regarding where the products were manufactured.  When will we learn that in order to protect us and our children, the US should resume manufacturing products in our own country where there is a better than average chance that rules will be followed!?!  It would also help the economy by providing jobs and other revenue.

 

1-I would be very impressed with the congress if they were to vote no COLA for congress and the senate in any year when Soc Security recipient do not receive the same.

 

2-I would be more impressed if the COLA of congress and the senate were the same rate as that of Soc Sec recipients.

 

3-Yet another suggestion, let’s do away with the free college education extended to all of the children of congressmen and senators. This is done at the taxpayers expense and at the most expensive schools in the country. My children are graduating with mortgages in the form of student loans that were taken to get their education. Let the congressman’s children do the same and work it off in public service. 

 

I could find a lot of money if they let me into the government budget!!!!

Jul 302010
 

What, if any benefits are there to taking a home equity loan to help pay for my children’s education compared to a ParentPlus loan?

PPloans stand @8.9%.  HEL for 15 yrs. @about 6.75.  Would ther be a benefit to taking the HEL, breaking the amts up into investing in some short term CD’s until the money is needed for tuition payment?

 

I have been helping educate my girlfriend on getting her credit in able to get it up to par for an AMEX costco card.

 

 

Here is the situation. On two out of the three cra’s, there is a bank called PELICAN NATIONAL BANK reporting her parents mortgage.

 

Says opened 07/87, reported since 11/05, 04/2006 last reported.

 

30 day late as of Feb 06. 

 

Responsbility: Joint with HER DAD’S NAME

 

 

She has spoken with her mother and she confirmed the mortgage was NEVER in her name. She also stated that this had happen to her brother as well. In addition. She was born in 1989. Obviously this was NOT her mortgage.

 

Why would they report on all the children for this?

 

Her mother says that Pelican National Bank got bought out by First American Bank. I am thinking that a simple dispute or DV to the new owner would solve this. I just wanted to get some second opinions.

 

Thank you so much this is very important to get resolved! She has a 720 on the CRA not reporting this. 678 on TU reporting it.

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My children were on medicaid/medicare? this wz considered secondary. In my state it is a law that if health insurance is available to their father, that he was to carry it on the children! (the childrens primary insurance) he said he failed to mail me the new sent insurance card.and I never did get it. thus I didn’t have the correct one to put on file at dr office. Since this Insurance was primary and didnt pay, medicaid wouldnt pay any, medicaid requires primary to pay first. I am the one tht brought the childrewn to the dr. so the debts were considered mine. I was broke. One of the childrn is considerd disabled. The $275. is from multiple visits, with differeing dates. I paid the $275. to the CA then later clled the OC to confirm paid. Any specific insight as to how I need to proceed to have this removed frm my CR. or lower the amount.?or anything to make this less damaging? on this it is hard to figure when the 180 days late started, because of the multiple visits.it wz sitting at CA a long time b4 i wz able to pay. Thank you so much.

 

We seem to forgotten the original premise of our Constitution: Individual responsibility and obligations, replacing these with group consequences that reached the absurd with a single mother on “Entitlements” giving birth to eight rather unhealthy children. As Entitlements are now reported to exceed all the money raised by taxes in the US on all our industries and citizens, we need some way to curb what has become “victim entitlement”. The easiest way to do thois is to say we are all exacxtly the same, namely, American citizens and we earned our right to citizenship. We are going to hgave to do something like this to overcome the scientific reality of the Genome DNA mapping of racial types, namely Black, Whate and Asian, with most of us a mixture of many types. You want hiring preference as a Black have your DNA traced to prove you are more than 50% Black or you want preference as a “Native American” prove you aren’t a mixture of White and Asian with a dash of Black. We are a nation of hybrids and in some ways this is really fortunate because we are not susceptible to some diseases that must affect the purer strains. So let us get rid of absurd quotas unless we all want to prove our with our DNA we are entitled. Therefore, I think we should consider the following Constituitional Amendment:

 

 

 

 

 

THE CITIZENSHIP AMENDMENT

 

            The survival of the United States as a democratic society requires its citizens be responsible individuals who have prepared themselves to be contributing members. Therefore, the awarding of “Birthright Citizenship” is prohibited. Additionally, all citizens will demonstrate spoken and written proficiency in English and will be citizens of only the United States.

 

            All persons born or naturalized in the United States whose parents are citizens and who are subject to the jurisdiction thereof are candidates for citizenship, but no one under eighteen may enjoy the privileges of United States citizenship and no law or directive can bestow citizenship to any group or individual on the basis of race, religion, ethnic background, political persuasion, compassionate desire or need. There are no special categories of citizenship and every citizen enjoys exactly the same rights, duties, responsibilities and obligations with the exception of the right to own private property and the right to be rewarded for their labors and creative efforts.

 

            Entering the United States without the permission of those charged with enforcing the nation’s immigration laws is a felony and any group or individual assisting in this illegal activity is guilty of immigration fraud, a felony. As those entering the United States illegally are not under the jurisdiction of appropriate authorities, they, their dependents and/or relatives are not eligible for either citizenship candidacy or citizenship. This re-emphasizes the exclusion of those illegally in this country and their children as is currently stated in the 14th Amendment.

 

            All candidates for citizenship must pass a qualifying test, or achieve a specific level of education or become a contributing member of society under a uniform set of rules that apply equally to all candidates. Candidates must also have served a period of time, normally two years, in some capacity that improves the nation or be willing to defend or have defended the country against its enemies—foreign and domestic. No citizen may belong to any organization whose actions and ideals are in conflict with American constitutional government as it relates to responsible actions by individuals. All citizens and candidates are required to pay those taxes levied to keep government functioning, but no activity of government supported by these taxes may erode those attributes of individual character necessary for a democracy to function and prosper.

 

            Only those who are citizens may vote in state and federal elections, and those voting must present proof of citizenship, proof of residency and be allowed to cast their ballot in secret at an appropriate polling place. Every voter must attest in writing at the time of voting that they have not voted elsewhere, and except under unusual circumstances individuals may not vote in absentia. For every citizen who votes, the county of residence will be reimbursed a minimum amount by the credit card company contracted by government to verify this citizen’s single vote and residency.

 

            The intent of the Third Amendment was to prohibit citizens from being taxed for activities without their specific approval, therefore, no law, directive or activity by government may relieve an individual of responsibilities nor shift consequences from that individual for poor decisions they made as an individual. In addition no group, no individual, no association of individuals and no division of government may transfer consequences from the individual to others in American society without the consent of those assuming these consequences, except that on a temporary basis, not to exceed five years, elected representative may approve such a shift as a non-renewable emergency.

 

 

 


My son has a feeding tube because of the small bowel transplant, recipient of last year. My husband and I went back to a full program of work, our medical insurance (Clark) does not include the right to his nurse, or nurseries special, because it was the only special needs is a tube for food and medication passed it receives. Clearly this is not enough. Well, there’s a very good company, I can understand these things, which is on his insurance?

 

We voluntarily surrendered our vehicle to CPS with a letter that we were asking them to retreive the car “In full satisfaction of the loan”.  They came and got it.  Sold it.  The amount would have wiped out the debt. 

 

Yet they did not apply the amount of the sale to the amount of the debt, they posted on our credit reports that it was an involuntary repossesion, and they tacked on about 5k in fees.  More than the original amount owed.  

 

Now they are showing a complete charge off, but still showing a balance.  we have a collection agency calling my husband’s office and my cell phone, and we have sent clear instructionf for them not to contact us by phone. Also, when we have talked to these people on the phone they have threatened jail time, removal of our children from the home, and much much much worse.

 

I can work with my lawyer to get them to stop all of this, but what do you think?  Should I start making a case to sue them?

 

My wife and I are considering purchasing life insurance, but do not know who is involved in the best investment. Observations will be useful. We need the next few years, the family and our age is 30 / O and 29 yes / Island Plan