I use to like all that free stuff. I would sign up everytime and put down all the wrong info. I would get the free stuff then get denied the card. Worked great for me.
Dave Ramsey, debt, credit cards, retirement, etc
- Thread starter SuperJETT
- Start date
I use to like all that free stuff. I would sign up everytime and put down all the wrong info. I would get the free stuff then get denied the card. Worked great for me.
- Location
- Cleveland Ohio
Now they ask to see your drivers license.
- Location
- Cleveland Ohio
I agree partially, Frank. I just don't want them to sign up for their 'own' credit card in the student union that I am not monitoring. They will be 'buying' part of their education on credit, so I'm not completely against credit...College is where I got a bunch of credit cards and bought a bunch of crap I didn't need.
100 year old Dorothy Custer on Leno says the best invention of the past 100 years is the microwave and the worst is **the credit card**.
http://www.nbc.com/the-tonight-show...|featured|recent&ectid=bitlyified062120111015
BTW, because of getting out of debt/saving/etc, I'm able to take advantage of a once-in-a-lifetime opportunity to take a month off from work next month. Our kids are 9/7/5 and being able to take a month off while they're out of school and actually want to do things with me is priceless. Thanks to doing the work years ago we can afford it. All nay-sayers can suck it.
http://www.nbc.com/the-tonight-show...|featured|recent&ectid=bitlyified062120111015
BTW, because of getting out of debt/saving/etc, I'm able to take advantage of a once-in-a-lifetime opportunity to take a month off from work next month. Our kids are 9/7/5 and being able to take a month off while they're out of school and actually want to do things with me is priceless. Thanks to doing the work years ago we can afford it. All nay-sayers can suck it.
SXIPro
JM781 Big Bore
- Location
- Here on the 'X' mostly
Outstanding. While most of the rest of America will be working long hours and multiple jobs to keep up with the Joneses, you'll be chillen with the kids and I am guessing visiting some cool places together as a family. Talk about winning. Well done.
Yep, we have a vacation to Hilton Head in the middle of it plus the girls are going to YMCA camp for a week at the beginning, so I'll have a week of just my wife and 5 year old son. I'm planning on taking him camping or something for a couple of days during that week to let my wife have a true 'break' from kids/everything.
firemedicmonkey
Erie Surf & Ski
- Location
- Erie Surf and Ski... Cleveland, OH
x2 Thats what happened to me... Luckily I have them almost all paid off...
SeaLion
Jet Ski Junkie
Darin, Nice going man. It will be time well spent. Having no debt is what's enabling me to not sweat, stress or worry since my business has been very slow to dead the past two and a half years. I have been home quite a bit with the kids because of it. Because of it I have been able to take them to their piano, guitar, drum and violin lessons. Soccer, swim, gymnastics, basketball practices. Some solo time for me to fish. Life is actually good. Only have like 3 years left on the mortgage and it will be even better. BTW, I'm still using the credit card but still pay it off in full every month. I know we kinda part ways on that but I have the discipline so it never carries a balance.
Enjoy the family time. You earned it, literally.
Enjoy the family time. You earned it, literally.
WaveDemon
Not Dead - Notable Member
- Location
- Hell, Florida
We're about to get one big step closer to freedom.
I'm hoping to get another (better) counter offer to settle a big unsecured debt today. We're hoping for a slightly better number than our first contact with these animals.
I'm hoping to get another (better) counter offer to settle a big unsecured debt today. We're hoping for a slightly better number than our first contact with these animals.
Mark44
Katie's Boss
- Location
- 100% one place
Animals?
Mark44
Mark44
douglee25
m3booooy
- Location
- South Jersey
I'm assuming he means credit card companies?
Wavedemon - Can you not make payments and hence why you're trying to settle with them?
Doug
Wavedemon - Can you not make payments and hence why you're trying to settle with them?
Doug
WaveDemon
Not Dead - Notable Member
- Location
- Hell, Florida
for a few years now they didn't want payments, I thought it was because of my long unemployment (i'm 3-4 years behind). Now that we're making settlement offers they seem open to it but I don't want to make payments. They've told me they'll take half in a lump sum after I offered them ~25%. If they come down just a little I'll pay them off.
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WaveDemon
Not Dead - Notable Member
- Location
- Hell, Florida
It's what dave ramsey calls the debt collectors.
douglee25
m3booooy
- Location
- South Jersey
I got you. Well make sure whatever you do that you get it in writing. Also make sure you include verbiage to say that the debt was paid in full as of X date and that they will provide you with a copy of your updated credit history showing that it was removed.
Doug
WaveDemon
Not Dead - Notable Member
- Location
- Hell, Florida
yep, I've actually got a lawyer representing me and making the calls for me since this has gone way beyond collections calls by now. I'm in a hurry to get this one behind me. My wife's student loan is next...
Mark44
Katie's Boss
- Location
- 100% one place
WaveDemon
Not Dead - Notable Member
- Location
- Hell, Florida
I hate people that want their money.
Mark44
They took a risk as did I. we both lost. so did my old mortgage company and my wifes student loan bank.
It's either take less or fight for scraps in bankruptcy.
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The Penguin
triple secret probation
- Location
- down by the river
I doubt that will happen. when you settle for less than what is owed - they will place a note on your credit file that it was a settlement and it will affect your credit score.
accurate information can't be removed from a credit report.
WaveDemon
Not Dead - Notable Member
- Location
- Hell, Florida
It doesn't really matter, I'm going to stay away from using credit anyway. I'm not going to let my credit score change what's best for me and my family. What is best for us is to get out of and stay out of debt.
douglee25
m3booooy
- Location
- South Jersey
That's fine. As long as it shows no outstanding debt, he's in good shape. Credit history can be repaired within 2-4 years.
I know a woman who left her ex boyfriend. While they were together they had credit cards which were used to purchase appliances, carpet, etc in both of their names. The boyfriend was abusive, so she left. The ex bf stopped paying the bills for stuff that he now lived with. After the collections agencies came after both of them, he didn't want to pay anything. Lawyer this, lawer that, letter this, letter that.... the guy wasn't moving. She was sick of waiting around and wanted to get her credit history repaired (she had outstanding history prior to this incident). She made settlement with the company and paid it all off... stuff she never saw from the ex in order to clear her name. Within 1-2 years a significant jump in her credit score occured. Within another 1-2 years, it doesn't even show up now. Credit score repaired.
Doug