Judgement SOL info needed ASAP!!!!!!

Dec 192010
 

Moved to Rebuilding Your Credit

Credit mortgage
bymortgagepaymentplan

My hubby and I are working on improving our credit to become homeowners. Once I was told you needed to have a good mix of credit on your report to show you are responsible in all areas. We have two car loans, several student loans, and various other items.

We don’t have any credit cards, don’t really have a need for them. But everything I hear says you should have some revolving credit to show responsibility. I don’t want to get a credit card just for the sake of having one unless absolutely necessary.

Anyone with mortgage approval know anything about this?

U.S. Census Underway; Workers Needed Locally

Mar 032010
 

Sirius XM: Analysts’ Upgrades, Downgrades
Sirius XM downgraded at Wunderlich from Buy to Hold. $1 price target.

Read more on TheStreet.com

Simpson ‘Acquittal Suit’ Going To Smithisonian
SANTA MONICA, Calif. — After 13 years of legal battles, O.J. Simpson, his former agent and Fred Goldman have agreed to donate Simpson’s so-called “acquittal suit” to the Smithsonian Institution.

Read more on WJXT Jacksonville

Hyundai swaps out Jeff Bridges voiceovers for Oscar ads to satisfy Academy rule on nominees
NEW YORK – Having Jeff Bridges do a voiceover during the Oscars? The Academy of Motion Picture Arts and Sciences does not abide. Hyundai has pulled the actor’s voice from its ads airing during Sunday night’s broadcast because of a rule limiting the use of nominees in Oscars ads.

Read more on Minneapolis-St. Paul Star Tribune

U.S. Census Underway; Workers Needed Locally
On Monday, some Charleston residents started to receive their 2010 Census forms, nearly two weeks in advance of the rest of the nation.

Read more on WSAZ NewsChannel 3 West Virginia

Dealing with CITI – suggestions needed :)

Feb 252010
 

Hello All!

 

A little background before my question: My DH has had hisCiti Card since 2002 (I am an AU on acct) and it is his oldest tradeline atthis point.  He has mostly always carried some type of balance on the acct, although we have PIF several times over the course of time.  The APR has always been fairly decent: at one point in the recent past it went to 19.99 and we called and requested they lower – they lowered to 8.24 with no problem and there it stayed until recently when the CARD act came about… now they have jacked us to 29.99 (my understanding is this is the same for virtually all of their lucky cardholders).  We have also steadily received CLI (when requested on their site, the old “LUV” button I’m finding out from this forum).  Our CL is now $5,880.  Back in November, our balance was approx. $1,400.  From Nov to now, we have charged several big ticket items, all of which we have the cash to pay for…and have made subsequent payments in just the last few months totaling $3,400.  Now during this we have also charged other items to the card as well.  Long story short, balance is now $5,500.  This amount seems high to me simply because of the other payments we have made.  But then, you add in the 29.99% interest.

 

On to the question portion (and thanks to those still reading):   We want to pay down or pay off the balance with them (and have recently received a windfall to facilitate that).  However, we want to get the most for our money, who doesn’t?  We have spoken to a CSR recently to request they drop the interest rate, and now they are not willing at all to discuss this when in the past we had no problem.  The best we could get them to do was to agree to refund the last 2 months of interest charges, totaling around $250 or so –that was mostly out of DH’s plea of ignorance – we recently moved and he said he didn’t remember getting the notification from them.  My question is does anyone have any suggestions/strategies for dealing with CITI on a backdoor basis (or otherwise)?  We have been good customers of theirs, with a long history and always paid on time.  I am starting to figure out none of that matters any more.  In the midst of all this my DH was temporarily laid off from his job and is currently on unemployment.  I know we can manage the minimums at least but I’m just wondering if there is anything we might be able to negotiate with them.

 

Thanks in advance!

 

(edited to fix spacing issues) 

Message Edited by 2librasmama on 02-24-2010 02:15 PM

IRS clarifies documentation needed for tax credits

Feb 232010
 

Same-sex benefits’ costs would be low for Asheville taxpayers
ASHEVILLE — Extending benefits to gay partners of government employees has brought little added cost for the few North Carolina cities and counties that have made the change.

Read more on Asheville Citizen-Times

Flaherty Tightens Mortgage Rules Amid Bubble Talk (Update3)
Feb. 16 (Bloomberg) — Canada’s Finance Minister Jim Flaherty tightened rules in the country’s mortgage industry to ensure buyers can afford their homes when interest rates rise.

Read more on Bloomberg

Banks in Calif., Ill., Fla., Texas are shut down
WASHINGTON (AP) — Regulators shut four banks from California to Florida on Friday, boosting to 20 the number of U.S. bank failures this year following the 140 closures last year in the worst financial climate in decades.

Read more on Jefferson City News Tribune

IRS clarifies documentation needed for tax credits
Despite back-to-back snowstorms that shut federal offices for days, the Internal Revenue Service issued new guidance last week on the two tax-credit programs that are powering the country’s real estate markets — the $6,500 credit for repeat buyers and the $8,000 first-time-buyer credit.

Read more on Washington Post

Strategy Needed to Payoff CC Debt

Feb 132010
 

Hi FICO Forums – I am new to this site and need advice. I am about to receive a performance bonus of $7000 after taxes from work and want to know what should I focus on paying off first. Some other things to note: I have about 2 mos of ER funds.

 

JCP bal $517 -  CL 1800 @ 24%

Macy’s bal $631 – CL 3100 @ 24.5%

RBFCU MC bal $1200 – CL $1500 @ 13%

USAA AMEX bal $2200 – CL $2500 @ 11.9%

USAA MC bal $9137 – CL $9700 @ 6%

 

 

What insurance is needed for a mobile car wash? Where do i sign up?

Jan 272010
 


I have one in Miami, require the insurance industry has recently established mobile car wash. Who can help this problem. 谢谢.

What insurance is needed for a mobile car wash?

Jan 262010
 


I have a mobile car wash, I need to know what insurance I need to pay for loss or damage to vehicles?

What insurance is needed in Texas to host a non-profit fundraiser?

Jan 242010
 


The Galveston, TX, and are eager to host a non-profit organization of large scale outdoor gathering activities. What kind of types of insurance, I need to pay for activities? Where can I find more details, and if the insurance is usually cost? Thank you!

What insurance is needed for casual outside workers?

Jan 172010
 


We live in the Brisbane area, require a considerable number of overseas have done a lot of work. If things brushcutting, weed spraying, gardening, bush clearing, etc. We will provide the tools and materials, so that this work not only for the unemployed or students. If I am wrong in some way, do the job? We need them to buy insurance? If so, what kind of types of insurance, which should take? I am sure that ordinary workers compensation insurance does not apply to domestic customers who are the workers.