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btrflygrl
me and baby #3!
Member since 5/05 12013 total posts
Name:
Shana
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*sigh*.....can someone help me please?
Yes...everything is great...new house, new baby on the way, etc.
The only bad thing going on is: we have tried to finance several big things for the house (the fridge, the big screen tv which we got thanks to some "poor mans" credit at the store) and we need to get a fence put up.
We were denied by Best Buy for the fridge. I'm afraid to try to apply for the fence and get denied. We don't have a single credit card, but it might be that we need to get one so we can get this fence (the dogs are starting to wander and there was a stray running through the yard last night at midnight).
We thought by financing we'd be able to keep some money on our pocket while building up our credit. We only have our mortgage and one car payment and normal bills. The only bad thing is we have some old delinquencies from YEARS ago and FIL one card shows up on DH credit report which we are trying to dispute.
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Posted 5/27/05 1:04 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
unknown1
****
Member since 5/05 2771 total posts
Name:
lisa
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Re: *sigh*.....can someone help me please?
What if you applied for a secured credit card one you pay like 50$ annual fee... That helped me build my credit and now I have decent credit .... but that is the only suggestion i can think of
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| Posted 5/27/05 1:21 PM |
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PrincessRose
LIF Infant
Member since 5/05 254 total posts
Name:
Rachel
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Re: *sigh*.....can someone help me please?
Shana, DH works in Credit - lemme ask him.
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| Posted 5/27/05 1:22 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: *sigh*.....can someone help me please?
i have no advice shana, but i will say with all the good stuff you got going on, most of us only WISH that their biggest problem is financing a fridge  
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| Posted 5/27/05 1:45 PM |
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PrincessRose
LIF Infant
Member since 5/05 254 total posts
Name:
Rachel
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Re: *sigh*.....can someone help me please?
OK, Shana, here's what Adam had to say:
Well, if her mortgage is with a company that offers credit cards, that
would be a good bank to try; also try the bank you have checking or savings
with. As far as the dispute goes, if they are not responding to you, you
can report it as an error to all 3 credit bureaus. Of course, there's
always a home equity loan. Another idea is to try MBNA - they give credit
to students a lot so they might be lenient. There's also Cap One or
Providian, although they should be used strictly to re-establish credit. I
would not recommend Orchard or other sketchy high-risk lenders except as a
last resort (home equity would be a much better plan).
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| Posted 5/27/05 2:52 PM |
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btrflygrl
me and baby #3!
Member since 5/05 12013 total posts
Name:
Shana
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Re: *sigh*.....can someone help me please?
thank you Rachel! I will ask DH if we should get a CC through our bank (credit union)
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| Posted 5/27/05 3:03 PM |
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PrincessRose
LIF Infant
Member since 5/05 254 total posts
Name:
Rachel
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Re: *sigh*.....can someone help me please?
Credit Unions are generally pretty good with Credit Cards, I believe.
Glad to help!
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| Posted 5/27/05 3:08 PM |
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btrflygrl
me and baby #3!
Member since 5/05 12013 total posts
Name:
Shana
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Re: *sigh*.....can someone help me please?
Please tell Adam that MBNA is the CC company that we are having an issue with. Their customer service told me that if we get his dads' ss #, dob, etc. they can write a letter to the credit bureaus to update the info.
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| Posted 5/27/05 3:11 PM |
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