Redwood credit union auto loan calculator
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2008.12.05 06:42 Credit Repair - Improve your credit, your score, and understand how to manage your credit
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2023.06.07 04:57 RampantWeasel Denied for debt consolidation loan by my credit union
I was denied for a debt consolidation loan today and I'm pretty irate about it.
I was denied because "my credit utilization should be under 30%" and told that to achieve that I should pay off my lowest balance cards. But get this...if I payed off seven out of eight of my lowest balance cards I'd still not be under 30% utilization. And then what would be left to consolidate? One credit card? Consolidated with what?
I needed this consolidation because currently I have 8 different due dates on 8 high interest accounts and I can't keep track of them and I can't make any headway on them. But my credit union that I've been with for 10 years won't help me. I'll be moving my accounts elsewhere. Thanks for nothing WSECU.
submitted by RampantWeasel to personalfinance [link] [comments]
I was denied because "my credit utilization should be under 30%" and told that to achieve that I should pay off my lowest balance cards. But get this...if I payed off seven out of eight of my lowest balance cards I'd still not be under 30% utilization. And then what would be left to consolidate? One credit card? Consolidated with what?
I needed this consolidation because currently I have 8 different due dates on 8 high interest accounts and I can't keep track of them and I can't make any headway on them. But my credit union that I've been with for 10 years won't help me. I'll be moving my accounts elsewhere. Thanks for nothing WSECU.
2023.06.07 04:01 Thnkhevan Can I finance a car?
I am in need of buying a new car, but I have some hesitation because of my debt, credit history, and current car-situation.
I currently have a sedan that I bought about a year ago. I am in a horrible loan situation but I was desperate for a car, at the time… $16,000 at 15.8%. The car is currently worth around $9,000 trade in and I owe $11,800. I have $1,000 to put down. And potentially another trade-in on an old car my mom has that she doesn’t use (~ $1,000 trade-in value). I’m looking at a 2018-2023 Honda Accord.
I make $72,800 per year with bonuses quarterly of ~$1,000. After tax and health insurance I take home $2094.00 bi-weekly.
Problem is…
I owe about $6500 in credit cards. My total credit limit is about $14,000. I have a ton of student loan debt that I pay about $480 a month for. I don’t pay for housing as I live with a disabled family member who I am a primary caregiver for.
My current FICO per my Discover account is 667. I know it’s not a great indicator, but my Credit Karma account says TransUnion is 658 and Equifax is 612. I do have a few collections on my account. Around $7,000. I am on a payment plan to pay back these debts. I became very ill and used credit cards to stay afloat for 8 months.
Is it even possible for me to finance a $25-30k car? I feel like my negative equity in my current ride is going to obliterate my chances of getting a loan. Can I do anything to boost my odds? My mom said she would co-sign, if it would help. She has a 720 credit score but has a small amount of income due to retiring. If I add her would it help—even with the low income?
Thanks in advance!
submitted by Thnkhevan to personalfinance [link] [comments]
I currently have a sedan that I bought about a year ago. I am in a horrible loan situation but I was desperate for a car, at the time… $16,000 at 15.8%. The car is currently worth around $9,000 trade in and I owe $11,800. I have $1,000 to put down. And potentially another trade-in on an old car my mom has that she doesn’t use (~ $1,000 trade-in value). I’m looking at a 2018-2023 Honda Accord.
I make $72,800 per year with bonuses quarterly of ~$1,000. After tax and health insurance I take home $2094.00 bi-weekly.
Problem is…
I owe about $6500 in credit cards. My total credit limit is about $14,000. I have a ton of student loan debt that I pay about $480 a month for. I don’t pay for housing as I live with a disabled family member who I am a primary caregiver for.
My current FICO per my Discover account is 667. I know it’s not a great indicator, but my Credit Karma account says TransUnion is 658 and Equifax is 612. I do have a few collections on my account. Around $7,000. I am on a payment plan to pay back these debts. I became very ill and used credit cards to stay afloat for 8 months.
Is it even possible for me to finance a $25-30k car? I feel like my negative equity in my current ride is going to obliterate my chances of getting a loan. Can I do anything to boost my odds? My mom said she would co-sign, if it would help. She has a 720 credit score but has a small amount of income due to retiring. If I add her would it help—even with the low income?
Thanks in advance!
2023.06.07 03:32 skunkieloo I think I got scammed by a loan company?? Is this normal???
I’m very upset and kinda not okay rn, because I think I was scammed in a way?…
So I am helping my bf to finance his first car (he got his license later in life than I did). And while on the phone with the company that was meant to be the loaner of my bf’s new car, the guy asked if we also had any credit card debt too, to which I was just being honest and said, “well yes I actually have quite a bit”.
The guy told me he could essentially transfer my debt into a loan with them for far less interest than what I was currently paying, which would basically save us a lot of money what with lower monthly fees and interest, and they would basically pay off my credit card and in return I would have a loan with to pay off with them instead. It all sounded great, but ofc before accepting, I discussed it with my bf, and he thought it sounded solid too, so we went thru with it.
Welp, idk if he lied or was just waaaay off somehow on his interest rate quotes that he gave me… But this morning I logged into the app to check how much it will be for my boyfriend’s car loan, and I just see that it said I owe nearly 400 bucks as a monthly payment this month, when before with my credit union’s interest rates and such, my monthly credit card payment was only around 260 bucks. And before anyone asks if they consolidated the car loan + credit debt loan into one, no. They are separate, and I can see I also owe 260 for my bf’s car loan on top of that.
I literally have no words. Part of me wanted to call the guy immediately and ask him why he lied to me and did me so dirty like that, but the other part of me just wants to cry and give up on everything. I checked my other credit card in my bank acc and it’s maxed from when our fridge was out of commission last week and we had no groceries on account of having to dump everything out of the fridge because it spoiled, and now this happens.
I literally had a mental breakdown at the psychiatrist office today while there for an appointment because of all this stress, and not once but twice like I’m so embarrassed and ashamed for letting this happen to us when we are already struggling so badly with debt. Idk how my life ever became this
submitted by skunkieloo to personalfinance [link] [comments]
So I am helping my bf to finance his first car (he got his license later in life than I did). And while on the phone with the company that was meant to be the loaner of my bf’s new car, the guy asked if we also had any credit card debt too, to which I was just being honest and said, “well yes I actually have quite a bit”.
The guy told me he could essentially transfer my debt into a loan with them for far less interest than what I was currently paying, which would basically save us a lot of money what with lower monthly fees and interest, and they would basically pay off my credit card and in return I would have a loan with to pay off with them instead. It all sounded great, but ofc before accepting, I discussed it with my bf, and he thought it sounded solid too, so we went thru with it.
Welp, idk if he lied or was just waaaay off somehow on his interest rate quotes that he gave me… But this morning I logged into the app to check how much it will be for my boyfriend’s car loan, and I just see that it said I owe nearly 400 bucks as a monthly payment this month, when before with my credit union’s interest rates and such, my monthly credit card payment was only around 260 bucks. And before anyone asks if they consolidated the car loan + credit debt loan into one, no. They are separate, and I can see I also owe 260 for my bf’s car loan on top of that.
I literally have no words. Part of me wanted to call the guy immediately and ask him why he lied to me and did me so dirty like that, but the other part of me just wants to cry and give up on everything. I checked my other credit card in my bank acc and it’s maxed from when our fridge was out of commission last week and we had no groceries on account of having to dump everything out of the fridge because it spoiled, and now this happens.
I literally had a mental breakdown at the psychiatrist office today while there for an appointment because of all this stress, and not once but twice like I’m so embarrassed and ashamed for letting this happen to us when we are already struggling so badly with debt. Idk how my life ever became this
2023.06.07 03:26 Junior_Significance9 Anxiously waiting 7 months for updated payment counts after consolidation.
I’m a doctor going for PSLF with 330k student loans and with everything happening in the student loan world, I paid for advice. And I’m glad I did. They said with the new IDR adjustment rule I could consolidate my loans, giving me credit for 3 years extra years of payments when I worked for a non-profit before medical school and was making payments on my undergrad loans. I consolidated in December, and at same time resubmitted PSLF employer verification forms on all my prior and current qualifying employment. And I calculated my payments at that time under the consolidation to be 117. Well I’ve been waiting and waiting and haven’t seen any counts update on Mohela. They processed all my PSLF employer verification forms but “IDR future Consol Bor” is still processing. I’m wondering if I should send my last and hopefully final PSLF employer verification form to get me over 120 qualifying payments. When I called Mohela months ago they told me not to, just wait, or it will take even longer. Should I continue to wait for them to process? And once I do send that last form in, should I request deferment on re-paying my loans while they process the forgiveness? I’m very happy to be in this position as forgiveness is “hopefully” coming sooner than I expected. But I also feel it’s wrong for me to be paying these size-able payments of 3k monthly when I’m at 120 payments just waiting on Mohela to count.
submitted by Junior_Significance9 to PSLF [link] [comments]
2023.06.07 02:50 creditthrowaway5566 Realism Check Needed
My car was recently totaled and I received an $11k settlement from insurance. I’m hoping to buy a 2023 Tiguan at maybe $32k. I need to see how realistic my expectations are and be fully prepared to walk in the dealership.
My husband and I have a 6 year old repo on our credit from Capital One auto finance. If it matters, we paid the late payments and fees and still have the car, which has been paid off. We have credit in the 620-660 range. No credit card debt or car loans and $950 monthly rent. We will be putting the entire $11,000 settlement down. Combined annual income around $87,000. I’m hoping we can get the remaining balance financed under 10% for 60 or 72 months. Is this likely with our current situation? My dad with excellent credit is willing to co-sign but I would prefer to not involve him if we can do it on our own. Thanks for any input!
submitted by creditthrowaway5566 to askcarsales [link] [comments]
My husband and I have a 6 year old repo on our credit from Capital One auto finance. If it matters, we paid the late payments and fees and still have the car, which has been paid off. We have credit in the 620-660 range. No credit card debt or car loans and $950 monthly rent. We will be putting the entire $11,000 settlement down. Combined annual income around $87,000. I’m hoping we can get the remaining balance financed under 10% for 60 or 72 months. Is this likely with our current situation? My dad with excellent credit is willing to co-sign but I would prefer to not involve him if we can do it on our own. Thanks for any input!
2023.06.07 02:37 iheartalexcabot Small Business Auto Loan Question
Curious about information used for a small business auto loan. Business is established as an LLC for the protection of separating business and personal assets. However, if I apply for a business auto loan through my bank, I'm denied because of my personal financial situation. I don't understand why my personal information is used.
I have an Employer Tax ID #(EIN) I have a separate business bank account. I have a business credit score.
If the purpose of establishing my business as an LLC is to separate assets, why am I not able to use my business's financial information to apply for a loan?
submitted by iheartalexcabot to smallbusiness [link] [comments]
I have an Employer Tax ID #(EIN) I have a separate business bank account. I have a business credit score.
If the purpose of establishing my business as an LLC is to separate assets, why am I not able to use my business's financial information to apply for a loan?
2023.06.07 01:51 Boston_Hammerbush Paying Credit Card Debt in Full vs in Minimum
I used to have a habit paying all my credit cards' debt by setting up the auto payment in full, when I had a part-time job. Recently, due to some changes in my personal and professional life, I needed to quit the part-time one which means my income was cut off. Thus, should I need to keep doing this habit? The pro is that I have more flexible money at hand if I only pay the minimum. On the other side of the coin, it seemingly is hurting my FICO scores since I've been trying doing so for 2 months already.
Some facts:
- auto loan: $500-$600 per month
- auto insurance: $139 per month
- rent: $950 per month
- income: $ 73,000-$75,000 annually
submitted by Boston_Hammerbush to personalfinance [link] [comments]
Some facts:
- auto loan: $500-$600 per month
- auto insurance: $139 per month
- rent: $950 per month
- income: $ 73,000-$75,000 annually
2023.06.07 01:02 SaintCharlie Over $60K in loans forgiven on 4/28/23, but still showing on credit report (TransUnion)
I've worked as a state government employee for over 15 years. I submitted the PSLF form in October of 2022. At the beginning of April 2023, I got a notice that my loans were transferred to Mohela. Then, on April 28, I got alerted by Mohela that my loans had been forgiven:
"Congratulations! We completed our review of your repayment and qualifying employment history under the PSLF Program rules including the limited PSLF waiver explained below, and awarded PSLF credit based on these requirements. We determined you have successfully met the requirements of the PSLF Program and your loans listed below have been forgiven. Thank you for your public service!"
When I got this news from Mohela, I wept with relief. Mohela shows my loans as totally forgiven and zeroed out.
I'm curious how long it will take for the loans to be removed from my credit report. I regularly check on TransUnion but they're still listed there. I've seen posts about opening a dispute, but I'm curious if I should just be patient. I'm still wrestling with this feeling of disbelief and latent fear - that the nightmare can't REALLY actually be over, or that they'll suddenly show back up.
Any suggestions on how to proceed? I'm not in a hurry to finance anything and I'm not really concerned about my score (which could possibly go down), but I would REALLY like to see the loans taken off the report. If anything, I just want confirmation that they really are forgiven.
Thank you!
submitted by SaintCharlie to PSLF [link] [comments]
"Congratulations! We completed our review of your repayment and qualifying employment history under the PSLF Program rules including the limited PSLF waiver explained below, and awarded PSLF credit based on these requirements. We determined you have successfully met the requirements of the PSLF Program and your loans listed below have been forgiven. Thank you for your public service!"
When I got this news from Mohela, I wept with relief. Mohela shows my loans as totally forgiven and zeroed out.
I'm curious how long it will take for the loans to be removed from my credit report. I regularly check on TransUnion but they're still listed there. I've seen posts about opening a dispute, but I'm curious if I should just be patient. I'm still wrestling with this feeling of disbelief and latent fear - that the nightmare can't REALLY actually be over, or that they'll suddenly show back up.
Any suggestions on how to proceed? I'm not in a hurry to finance anything and I'm not really concerned about my score (which could possibly go down), but I would REALLY like to see the loans taken off the report. If anything, I just want confirmation that they really are forgiven.
Thank you!
2023.06.07 00:00 Hathora_Justin Change Logs: Cash Money May 2023
 | submitted by Hathora_Justin to hathora [link] [comments] https://preview.redd.it/ta4l06olzg4b1.png?width=1430&format=png&auto=webp&s=b5b9bef047b9352f9814df34b624ad1107d68857 May was a busy month for our team! We sent our first invoice to users, moved office spaces, and shipped a lot of new features. Let’s dive in! Billing has gone liveUsers should have received the May invoice to the email associated with their Hathora account. All new customers get $500 in credit to start developing on our platform. If you have not exceeded the free credit then the status will be automatically “Paid”. Keep in mind that the May invoice does not include egress bandwidth cost but we will start changing for it soon.If you haven’t done so, please update your payment method directly through our new Billing UI. You can also download invoices and view payment statuses. If you have any questions, reach out to [email protected]. https://preview.redd.it/9hyzxg5nzg4b1.png?width=1250&format=png&auto=webp&s=e331b823106f12b3fd0d13465c6d5800dafe0d65 Introducing Hathora Cloud’s ping serviceHathora’s ping service allows clients to directly ping all Hathora regions to get latency information. You can use this information to pick a default region for your clients or inform your matchmaker to optimize region selection.You can now try out our ping service 2 using our updated API documentation with descriptions for all our endpoints. We’re also exploring how to update our API docs experience more broadly, so stay tuned Launched support for multiple container portsWe’ve heard from many of you that ports are preferable to chardonnays🍾. Jokes aside, you can now expose up to 3 ports on your container. The first port will always be called “default” and supports TLS as a transport type. However, for additional ports, you need to specify a name and TLS will be disabled.https://preview.redd.it/ar391lxqzg4b1.png?width=626&format=png&auto=webp&s=05c4d166ea8156ae172ba8aede9bda32692be03e Track total egress bandwidth by processWe now display the amount of egress your process uses. Total egress bandwidth is in an experimental state – we’re fine-tuning how we calculate this metric so we won’t be charging for it just yet.https://preview.redd.it/420xmmqrzg4b1.png?width=1251&format=png&auto=webp&s=ebf7086a6029bedf8239c48c24b70cb0eef24afe Forcefully terminate a processHave you ever been frustrated by that 1 active connection on a process with no active matches? You can now force a process into an idle state by either suspending or destroying all rooms on the process. A process in an idle state will automatically terminate after 5 minutes.The never-ending list of enhancements…We’re constantly updating our Platform and Console to either add additional functionality or fix existing bugs. This month, we’ve made progress on both!Additional functionality
Console UI fixes
Get StartedSign up to try Hathora Cloud: https://console.hathora.dev/Newsletter: Form 1 Twitter: https://twitter.com/HathoraDev 1 Discord: discord.com/invite/hathora |
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2023.06.06 22:20 PlahausBamBam Offers from my Credit Union for insurance?
My credit union mailed some offers for insurance for its members; auto, home, life. Are these legit offers and has anyone tried them? I’ve had the same insurance for almost 30 years but my friend who worked there retired and I could go for a change
submitted by PlahausBamBam to creditunions [link] [comments]
2023.06.06 22:17 octini Deciphering financing options
Hi all,
My family is looking into getting a solar system installed. I'm currently getting quotes from several companies, and I've begun to look into payment options. I don't have $30k lying around, sadly, so I've been exploring solar loans and HELOCs and that sort of thing. Unfortunately, the last math class I took was in 2006 and I flunked that, so I'm feeling a bit out of my depth. Here's what I think I understand:
Solar loans offer fixed rate financing, which seems like a very good option if I plan on going with a lengthy payback period. But if I want a lower rate, there are generally fees associated that I'd be paying upfront. I'm not sure what those fees are or how much they'd be. I'm also not sure where to look to acquire a solar loan - it doesn't seem like most banks and credit unions offer them, so I'm guessing there are dedicated loan companies for this?
HELOCs I understand a bit better, though I've never opened one. They're variable rate loans, I think, which is scary when considering a long payoff. And I don't think the interest rates are generally much lower, even to start, than a solar loan, is that true? So everything else being equal, I'm guessing a solar loan is the preferable option. If anyone can provide any more insight and detail, I'd really appreciate it.
submitted by octini to solar [link] [comments]
My family is looking into getting a solar system installed. I'm currently getting quotes from several companies, and I've begun to look into payment options. I don't have $30k lying around, sadly, so I've been exploring solar loans and HELOCs and that sort of thing. Unfortunately, the last math class I took was in 2006 and I flunked that, so I'm feeling a bit out of my depth. Here's what I think I understand:
Solar loans offer fixed rate financing, which seems like a very good option if I plan on going with a lengthy payback period. But if I want a lower rate, there are generally fees associated that I'd be paying upfront. I'm not sure what those fees are or how much they'd be. I'm also not sure where to look to acquire a solar loan - it doesn't seem like most banks and credit unions offer them, so I'm guessing there are dedicated loan companies for this?
HELOCs I understand a bit better, though I've never opened one. They're variable rate loans, I think, which is scary when considering a long payoff. And I don't think the interest rates are generally much lower, even to start, than a solar loan, is that true? So everything else being equal, I'm guessing a solar loan is the preferable option. If anyone can provide any more insight and detail, I'd really appreciate it.
2023.06.06 21:46 Avengers_Assemble95 Student Loan/ Citizenship Status
Hi All! I am applying for private student loan for my graduate program and the credit union asks for my status.
Options are: US Citizen, Permanent Resident, Other.
I have heard some DACA will select permanent resident instead of other. Thoughts or experience? TIA :)
submitted by Avengers_Assemble95 to DACA [link] [comments]
Options are: US Citizen, Permanent Resident, Other.
I have heard some DACA will select permanent resident instead of other. Thoughts or experience? TIA :)
2023.06.06 21:36 yaaracandy reverse chance a candian!
im not sure what unis i would have a good chance for, so lmk!
Gender: Female
Race: Asian (Indian)
Nationality: Canadian
Religon: Hindu
School: Very competitive private school, advanced school. Offers IB program, am getting IB certificates cuz im going to have 2 ib credits by the time i finish high school (might have more, might change some of my courses to ib).
GPA: Hard to calculate since I go to school in Canada and we don't really use GPA. My GPA is 3.7, and 3.75 weighted
Honour Roll student all years, Scholar Roll for most (scholar roll = 85 above, honour roll = 80 and above)
We don't have AP classes, we have IB, and I'm finishing with 2 IB's at the end of high school. Currently in Grade 11.
my coursework over the years: intro to business, business tech, english, math, french (2 years), drama all years, p.e two years, business management, history one year, comp sci this year. Note subjects like english and math I've taken every year, so I'm only mentioning it once.
here is my transcript-ish. the stuff on the left is my grades. ignore the u.s grades and grade points since im not sure they're correct.
https://preview.redd.it/gykgidwcjmza1.png?width=1018&format=png&auto=webp&v=enabled&s=7d8f3b8a16a1924160739759baf85042a78520bd
Extracurriculars:
GRADE 9 COUNCIL (in grade 9)• MEMBER
· Member of a council striving to bring the Grade 9 students closer through hard times.
SCHOOL MAGAZINE EDITORIAL BOARD (grade 10 to now)• SENIOR EDITOR •
· Part of the editorial board as a senior multilingual editor, overseeing submissions in multiple languages
MODEL UNITED NATIONS (grade 9 to 10) • MEMBER
YEARBOOK TEAM(grade 9) • MEMBER
ASIAN HERITAGE MONTH (may 2021)• MEMBER •
· Part of committee which organized activities to educate, inform, and celebrate Asian heritage to school community.
BUSINESS DEVELOPMENT INTERNSHIP • INTERN •
· Worked at the headquarters, learning about the Defense Industry and different aspects of it.
INTERNATIONALISM COUNCIL(this year, grade 11) • MEMBER •
· Worked with a team to promote internationalism throughout the school by planning events, presentations, etc.
QLEAD • DELEGATE(this year, grade 11) • QUEEN’S UNIVERSITY
· sELECTED FROM A POOL OF COMPETITVE APPLICANTS ACROSS CANADA TO ATTEND QLEAD CONFERENCE
QLEAD • BRAND AMBASSADOR(may 2023-) • QUEEN’S UNIVERSITY
· sELECTED FROM A POOL OF COMPETITVE APPLICANTS ACROSS CANADA TO HELP PROMOTE QLEAD CONFERENCE IN SCHOOL COMMUNITY
DEAR ASIAN YOUTH • WRITER •
· Advocating for asian community in my city (just started, so cant add much yet)
TEDX COMMITTEE • SPEAKERS AND COMM COORDINATOR
submitted by yaaracandy to chanceme [link] [comments]
Gender: Female
Race: Asian (Indian)
Nationality: Canadian
Religon: Hindu
School: Very competitive private school, advanced school. Offers IB program, am getting IB certificates cuz im going to have 2 ib credits by the time i finish high school (might have more, might change some of my courses to ib).
GPA: Hard to calculate since I go to school in Canada and we don't really use GPA. My GPA is 3.7, and 3.75 weighted
Honour Roll student all years, Scholar Roll for most (scholar roll = 85 above, honour roll = 80 and above)
We don't have AP classes, we have IB, and I'm finishing with 2 IB's at the end of high school. Currently in Grade 11.
my coursework over the years: intro to business, business tech, english, math, french (2 years), drama all years, p.e two years, business management, history one year, comp sci this year. Note subjects like english and math I've taken every year, so I'm only mentioning it once.
here is my transcript-ish. the stuff on the left is my grades. ignore the u.s grades and grade points since im not sure they're correct.
https://preview.redd.it/gykgidwcjmza1.png?width=1018&format=png&auto=webp&v=enabled&s=7d8f3b8a16a1924160739759baf85042a78520bd
Extracurriculars:
GRADE 9 COUNCIL (in grade 9)• MEMBER
· Member of a council striving to bring the Grade 9 students closer through hard times.
SCHOOL MAGAZINE EDITORIAL BOARD (grade 10 to now)• SENIOR EDITOR •
· Part of the editorial board as a senior multilingual editor, overseeing submissions in multiple languages
MODEL UNITED NATIONS (grade 9 to 10) • MEMBER
YEARBOOK TEAM(grade 9) • MEMBER
ASIAN HERITAGE MONTH (may 2021)• MEMBER •
· Part of committee which organized activities to educate, inform, and celebrate Asian heritage to school community.
BUSINESS DEVELOPMENT INTERNSHIP • INTERN •
· Worked at the headquarters, learning about the Defense Industry and different aspects of it.
INTERNATIONALISM COUNCIL(this year, grade 11) • MEMBER •
· Worked with a team to promote internationalism throughout the school by planning events, presentations, etc.
QLEAD • DELEGATE(this year, grade 11) • QUEEN’S UNIVERSITY
· sELECTED FROM A POOL OF COMPETITVE APPLICANTS ACROSS CANADA TO ATTEND QLEAD CONFERENCE
QLEAD • BRAND AMBASSADOR(may 2023-) • QUEEN’S UNIVERSITY
· sELECTED FROM A POOL OF COMPETITVE APPLICANTS ACROSS CANADA TO HELP PROMOTE QLEAD CONFERENCE IN SCHOOL COMMUNITY
DEAR ASIAN YOUTH • WRITER •
· Advocating for asian community in my city (just started, so cant add much yet)
TEDX COMMITTEE • SPEAKERS AND COMM COORDINATOR
- Just started
2023.06.06 21:27 Aychef Amex Blue Cash Preferred
Navy Fed Pledge Loan
My question is should I get a Navy Fedpledge loan with 1 year 11 months credit history (currently no loans) 747 Fico Ex 768 EQ 770 TransUnion. Most recent CC 1 year ago June. 2. 2002.
I want the AMEX Blue Cash Preferred but was denied due to short credit history and lack of installment loans.
Keep in mind I was approved in January after Affirm loan reported and closed in November paid in full 2 days later (So regretfully dropped my score -5) but I canceled the application because I didn’t want to ruin my credit age with a new card. Now I want the card and can’t get it lol.
Should I do the Pledge loan w Navy Federal for $1001 for 12 months pay down $940 the following day and then try to apply for AMEX after June 10 because May 10th I was denied.
Just wondering if it’s worth it getting a loan to lower my average age even more would AMEX approve me?
I just need opinions or suggestions?
submitted by Aychef to amex [link] [comments]
My question is should I get a Navy Fedpledge loan with 1 year 11 months credit history (currently no loans) 747 Fico Ex 768 EQ 770 TransUnion. Most recent CC 1 year ago June. 2. 2002.
I want the AMEX Blue Cash Preferred but was denied due to short credit history and lack of installment loans.
Keep in mind I was approved in January after Affirm loan reported and closed in November paid in full 2 days later (So regretfully dropped my score -5) but I canceled the application because I didn’t want to ruin my credit age with a new card. Now I want the card and can’t get it lol.
Should I do the Pledge loan w Navy Federal for $1001 for 12 months pay down $940 the following day and then try to apply for AMEX after June 10 because May 10th I was denied.
Just wondering if it’s worth it getting a loan to lower my average age even more would AMEX approve me?
I just need opinions or suggestions?
2023.06.06 21:07 Bits_NPCs HELOC to pay off CC debt?
My bank (credit union) offers a Home equity loan.
My home is valued at 160k and I owe 105k. Wondering if it would be wise if I used their calculations on a estimated loan amount ( 20-25k ) to pay off 17k in CC debt and put the rest into fixing my fence / new hot water heater.
My wife and I have been working on our CC debt for a year, paid off 6k so far and developed a saving account with a budget.
Thanks.
submitted by Bits_NPCs to personalfinance [link] [comments]
My home is valued at 160k and I owe 105k. Wondering if it would be wise if I used their calculations on a estimated loan amount ( 20-25k ) to pay off 17k in CC debt and put the rest into fixing my fence / new hot water heater.
My wife and I have been working on our CC debt for a year, paid off 6k so far and developed a saving account with a budget.
Thanks.
2023.06.06 21:05 Suspicious-Poetry221 Loan estimate?
Intentionally deciding to float the rate in hopes it comes down. They did say they’d match another lender @ 6.1% with less points. Most of their categories came out to be less-even with other stuff added ie title abstract. Found a lower appraisal & recording fees but they said recording fees are estimate from town.
The only thing I don’t understand is how is 4 months of property tax escrow in Nj. When others were 2 months.
submitted by Suspicious-Poetry221 to FirstTimeHomeBuyer [link] [comments]
The only thing I don’t understand is how is 4 months of property tax escrow in Nj. When others were 2 months.